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KEMPER Corp（KMPR）与RXO, Inc.（RXO）财务数据对比。点击上方公司名可切换其他公司
RXO, Inc.的季度营收约是KEMPER Corp的1.3倍（$1.5B vs $1.1B），KEMPER Corp净利率更高（-0.7% vs -3.1%，领先2.4%），KEMPER Corp同比增速更快（-4.7% vs -11.9%），KEMPER Corp自由现金流更多（$166.2M vs $-9.0M），过去两年RXO, Inc.的营收复合增速更高（26.8% vs -0.5%）
坎伯公司（Kemper Corporation）是总部位于美国伊利诺伊州芝加哥的保险服务商，总资产近130亿美元，旗下品牌矩阵为个人、家庭及企业客户提供多元保险产品服务。
RXO是总部位于美国的头部运输及物流解决方案供应商，核心业务覆盖货运经纪、大件商品最后一公里配送、运输管理服务与全链路供应链优化支持，主要服务北美制造业、零售业及电商领域的客户。
KMPR vs RXO — 直观对比
营收规模更大
RXO
是对方的1.3倍
$1.1B
营收增速更快
KMPR
高出7.2%
-11.9%
净利率更高
KMPR
高出2.4%
-3.1%
自由现金流更多
KMPR
多$175.2M
$-9.0M
两年增速更快
RXO
近两年复合增速
-0.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $1.5B |
| 净利润 | $-8.0M | $-46.0M |
| 毛利率 | — | — |
| 营业利润率 | — | -2.9% |
| 净利率 | -0.7% | -3.1% |
| 营收同比 | -4.7% | -11.9% |
| 净利润同比 | -108.2% | -84.0% |
| 每股收益（稀释后） | $-0.03 | $-0.28 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收KMPRRXO
| Q4 25 | $1.1B | $1.5B | ||
| Q3 25 | $1.2B | $1.4B | ||
| Q2 25 | $1.2B | $1.4B | ||
| Q1 25 | $1.2B | $1.4B | ||
| Q4 24 | $1.2B | $1.7B | ||
| Q3 24 | $1.2B | $1.0B | ||
| Q2 24 | $1.1B | $930.0M | ||
| Q1 24 | $1.1B | $913.0M |
净利润KMPRRXO
| Q4 25 | $-8.0M | $-46.0M | ||
| Q3 25 | $-21.0M | $-14.0M | ||
| Q2 25 | $72.6M | $-9.0M | ||
| Q1 25 | $99.7M | $-31.0M | ||
| Q4 24 | $97.4M | $-25.0M | ||
| Q3 24 | $73.7M | $-243.0M | ||
| Q2 24 | $75.4M | $-7.0M | ||
| Q1 24 | $71.3M | $-15.0M |
营业利润率KMPRRXO
| Q4 25 | — | -2.9% | ||
| Q3 25 | — | -0.5% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | -2.1% | ||
| Q4 24 | — | -1.4% | ||
| Q3 24 | 11.2% | -1.9% | ||
| Q2 24 | 10.1% | — | ||
| Q1 24 | 7.6% | -1.3% |
净利率KMPRRXO
| Q4 25 | -0.7% | -3.1% | ||
| Q3 25 | -1.7% | -1.0% | ||
| Q2 25 | 5.9% | -0.6% | ||
| Q1 25 | 8.4% | -2.2% | ||
| Q4 24 | 8.2% | -1.5% | ||
| Q3 24 | 6.3% | -23.4% | ||
| Q2 24 | 6.7% | -0.8% | ||
| Q1 24 | 6.2% | -1.6% |
每股收益（稀释后）KMPRRXO
| Q4 25 | $-0.03 | $-0.28 | ||
| Q3 25 | $-0.34 | $-0.08 | ||
| Q2 25 | $1.12 | $-0.05 | ||
| Q1 25 | $1.54 | $-0.18 | ||
| Q4 24 | $1.51 | $-0.17 | ||
| Q3 24 | $1.14 | $-1.81 | ||
| Q2 24 | $1.16 | $-0.06 | ||
| Q1 24 | $1.10 | $-0.13 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | — | $17.0M |
| 总债务越低越好 | $943.5M | $387.0M |
| 股东权益账面价值 | $2.7B | $1.5B |
| 总资产 | $12.5B | $3.3B |
| 负债/权益比越低杠杆越低 | 0.35× | 0.25× |
8季度趋势，按日历期对齐
现金及短期投资KMPRRXO
| Q4 25 | — | $17.0M | ||
| Q3 25 | $371.2M | $25.0M | ||
| Q2 25 | $407.6M | $18.0M | ||
| Q1 25 | $545.3M | $16.0M | ||
| Q4 24 | $1.0B | $35.0M | ||
| Q3 24 | $696.9M | $55.0M | ||
| Q2 24 | $539.1M | $7.0M | ||
| Q1 24 | $520.7M | $7.0M |
总债务KMPRRXO
| Q4 25 | $943.5M | $387.0M | ||
| Q3 25 | $943.1M | $387.0M | ||
| Q2 25 | $942.6M | $387.0M | ||
| Q1 25 | $942.1M | $387.0M | ||
| Q4 24 | $1.4B | $351.0M | ||
| Q3 24 | $1.4B | $352.0M | ||
| Q2 24 | $1.4B | $370.0M | ||
| Q1 24 | $1.4B | $351.0M |
股东权益KMPRRXO
| Q4 25 | $2.7B | $1.5B | ||
| Q3 25 | $2.7B | $1.6B | ||
| Q2 25 | $370.0M | $1.6B | ||
| Q1 25 | $366.0M | $1.6B | ||
| Q4 24 | $2.8B | $1.6B | ||
| Q3 24 | $2.8B | $1.7B | ||
| Q2 24 | $358.0M | $579.0M | ||
| Q1 24 | $2.6B | $582.0M |
总资产KMPRRXO
| Q4 25 | $12.5B | $3.3B | ||
| Q3 25 | $12.4B | $3.2B | ||
| Q2 25 | $12.6B | $3.2B | ||
| Q1 25 | $12.5B | $3.3B | ||
| Q4 24 | $12.6B | $3.4B | ||
| Q3 24 | $12.6B | $3.4B | ||
| Q2 24 | $12.6B | $1.8B | ||
| Q1 24 | $12.6B | $1.8B |
负债/权益比KMPRRXO
| Q4 25 | 0.35× | 0.25× | ||
| Q3 25 | 0.35× | 0.24× | ||
| Q2 25 | 2.55× | 0.24× | ||
| Q1 25 | 2.57× | 0.24× | ||
| Q4 24 | 0.50× | 0.22× | ||
| Q3 24 | 0.50× | 0.21× | ||
| Q2 24 | 3.88× | 0.64× | ||
| Q1 24 | 0.54× | 0.60× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $175.0M | $7.0M |
| 自由现金流经营现金流 - 资本支出 | $166.2M | $-9.0M |
| 自由现金流率自由现金流/营收 | 14.7% | -0.6% |
| 资本支出强度资本支出/营收 | 0.8% | 1.1% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $553.9M | $-8.0M |
8季度趋势，按日历期对齐
经营现金流KMPRRXO
| Q4 25 | $175.0M | $7.0M | ||
| Q3 25 | $139.9M | $23.0M | ||
| Q2 25 | $89.6M | $23.0M | ||
| Q1 25 | $180.0M | $-2.0M | ||
| Q4 24 | $175.1M | $-7.0M | ||
| Q3 24 | $141.9M | $-7.0M | ||
| Q2 24 | $22.9M | $-5.0M | ||
| Q1 24 | $43.0M | $7.0M |
自由现金流KMPRRXO
| Q4 25 | $166.2M | $-9.0M | ||
| Q3 25 | $133.4M | $9.0M | ||
| Q2 25 | $82.0M | $9.0M | ||
| Q1 25 | $172.3M | $-17.0M | ||
| Q4 24 | $165.4M | $-19.0M | ||
| Q3 24 | $131.4M | $-18.0M | ||
| Q2 24 | $5.2M | $-16.0M | ||
| Q1 24 | $27.7M | $-4.0M |
自由现金流率KMPRRXO
| Q4 25 | 14.7% | -0.6% | ||
| Q3 25 | 10.8% | 0.6% | ||
| Q2 25 | 6.7% | 0.6% | ||
| Q1 25 | 14.4% | -1.2% | ||
| Q4 24 | 13.9% | -1.1% | ||
| Q3 24 | 11.1% | -1.7% | ||
| Q2 24 | 0.5% | -1.7% | ||
| Q1 24 | 2.4% | -0.4% |
资本支出强度KMPRRXO
| Q4 25 | 0.8% | 1.1% | ||
| Q3 25 | 0.5% | 1.0% | ||
| Q2 25 | 0.6% | 1.0% | ||
| Q1 25 | 0.6% | 1.0% | ||
| Q4 24 | 0.8% | 0.7% | ||
| Q3 24 | 0.9% | 1.1% | ||
| Q2 24 | 1.6% | 1.2% | ||
| Q1 24 | 1.3% | 1.2% |
现金转化率KMPRRXO
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 1.23× | — | ||
| Q1 25 | 1.81× | — | ||
| Q4 24 | 1.80× | — | ||
| Q3 24 | 1.93× | — | ||
| Q2 24 | 0.30× | — | ||
| Q1 24 | 0.60× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
KMPR
| Specialty Property Casualty Insurance Segment | $995.1M | 88% |
| Life Insurance Segment1 | $140.7M | 12% |
RXO
| Retail Sector | $546.0M | 37% |
| Last Mile | $298.0M | 20% |
| Food And Beverage Sector | $225.0M | 15% |
| Other Sector | $185.0M | 13% |
| Managed Transportation | $133.0M | 9% |
| Automotive Sector | $93.0M | 6% |
