vs
KEMPER Corp（KMPR）与SCANSOURCE, INC.（SCSC）财务数据对比。点击上方公司名可切换其他公司
KEMPER Corp的季度营收约是SCANSOURCE, INC.的1.5倍（$1.1B vs $766.5M），SCANSOURCE, INC.净利率更高（2.2% vs -0.7%，领先2.9%），SCANSOURCE, INC.同比增速更快（2.5% vs -4.7%），KEMPER Corp自由现金流更多（$166.2M vs $28.9M），过去两年SCANSOURCE, INC.的营收复合增速更高（0.9% 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。
ScanSource是全球领先的专业技术分销商，主营销售点系统、条码扫描设备、网络安全产品、云服务及通信解决方案，面向北美、拉美、欧洲的增值经销商、服务提供商及企业客户，覆盖零售、医疗、工业、公共部门等领域。
KMPR vs SCSC — 直观对比
营收规模更大
KMPR
是对方的1.5倍
$766.5M
营收增速更快
SCSC
高出7.2%
-4.7%
净利率更高
SCSC
高出2.9%
-0.7%
自由现金流更多
KMPR
多$137.3M
$28.9M
两年增速更快
SCSC
近两年复合增速
-0.5%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $766.5M |
| 净利润 | $-8.0M | $16.5M |
| 毛利率 | — | 13.4% |
| 营业利润率 | — | 2.3% |
| 净利率 | -0.7% | 2.2% |
| 营收同比 | -4.7% | 2.5% |
| 净利润同比 | -108.2% | -3.3% |
| 每股收益（稀释后） | $-0.03 | $0.75 |
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KMPRSCSC
| Q4 25 | $1.1B | $766.5M | ||
| Q3 25 | $1.2B | $739.6M | ||
| Q2 25 | $1.2B | $812.9M | ||
| Q1 25 | $1.2B | $704.8M | ||
| Q4 24 | $1.2B | $747.5M | ||
| Q3 24 | $1.2B | $775.6M | ||
| Q2 24 | $1.1B | $746.1M | ||
| Q1 24 | $1.1B | $752.6M |
净利润KMPRSCSC
| Q4 25 | $-8.0M | $16.5M | ||
| Q3 25 | $-21.0M | $19.9M | ||
| Q2 25 | $72.6M | $20.1M | ||
| Q1 25 | $99.7M | $17.4M | ||
| Q4 24 | $97.4M | $17.1M | ||
| Q3 24 | $73.7M | $17.0M | ||
| Q2 24 | $75.4M | $16.1M | ||
| Q1 24 | $71.3M | $12.8M |
毛利率KMPRSCSC
| Q4 25 | — | 13.4% | ||
| Q3 25 | — | 14.5% | ||
| Q2 25 | — | 12.9% | ||
| Q1 25 | — | 14.2% | ||
| Q4 24 | — | 13.6% | ||
| Q3 24 | — | 13.1% | ||
| Q2 24 | — | 13.0% | ||
| Q1 24 | — | 12.6% |
营业利润率KMPRSCSC
| Q4 25 | — | 2.3% | ||
| Q3 25 | — | 3.5% | ||
| Q2 25 | — | 3.3% | ||
| Q1 25 | — | 3.2% | ||
| Q4 24 | — | 2.5% | ||
| Q3 24 | 11.2% | 2.3% | ||
| Q2 24 | 10.1% | 2.9% | ||
| Q1 24 | 7.6% | 2.3% |
净利率KMPRSCSC
| Q4 25 | -0.7% | 2.2% | ||
| Q3 25 | -1.7% | 2.7% | ||
| Q2 25 | 5.9% | 2.5% | ||
| Q1 25 | 8.4% | 2.5% | ||
| Q4 24 | 8.2% | 2.3% | ||
| Q3 24 | 6.3% | 2.2% | ||
| Q2 24 | 6.7% | 2.2% | ||
| Q1 24 | 6.2% | 1.7% |
每股收益（稀释后）KMPRSCSC
| Q4 25 | $-0.03 | $0.75 | ||
| Q3 25 | $-0.34 | $0.89 | ||
| Q2 25 | $1.12 | $0.87 | ||
| Q1 25 | $1.54 | $0.74 | ||
| Q4 24 | $1.51 | $0.70 | ||
| Q3 24 | $1.14 | $0.69 | ||
| Q2 24 | $1.16 | $0.66 | ||
| Q1 24 | $1.10 | $0.50 |
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 | — | $83.5M |
| 总债务越低越好 | $943.5M | — |
| 股东权益账面价值 | $2.7B | $910.9M |
| 总资产 | $12.5B | $1.7B |
| 负债/权益比越低杠杆越低 | 0.35× | — |
8季度趋势，按日历期对齐
现金及短期投资KMPRSCSC
| Q4 25 | — | $83.5M | ||
| Q3 25 | $371.2M | $124.9M | ||
| Q2 25 | $407.6M | $126.2M | ||
| Q1 25 | $545.3M | $146.3M | ||
| Q4 24 | $1.0B | $110.5M | ||
| Q3 24 | $696.9M | $145.0M | ||
| Q2 24 | $539.1M | $185.5M | ||
| Q1 24 | $520.7M | $159.1M |
总债务KMPRSCSC
| Q4 25 | $943.5M | — | ||
| Q3 25 | $943.1M | — | ||
| Q2 25 | $942.6M | — | ||
| Q1 25 | $942.1M | — | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $1.4B | — | ||
| Q2 24 | $1.4B | — | ||
| Q1 24 | $1.4B | — |
股东权益KMPRSCSC
| Q4 25 | $2.7B | $910.9M | ||
| Q3 25 | $2.7B | $914.0M | ||
| Q2 25 | $370.0M | $906.4M | ||
| Q1 25 | $366.0M | $901.7M | ||
| Q4 24 | $2.8B | $900.7M | ||
| Q3 24 | $2.8B | $920.9M | ||
| Q2 24 | $358.0M | $924.3M | ||
| Q1 24 | $2.6B | $944.1M |
总资产KMPRSCSC
| Q4 25 | $12.5B | $1.7B | ||
| Q3 25 | $12.4B | $1.7B | ||
| Q2 25 | $12.6B | $1.8B | ||
| Q1 25 | $12.5B | $1.7B | ||
| Q4 24 | $12.6B | $1.7B | ||
| Q3 24 | $12.6B | $1.8B | ||
| Q2 24 | $12.6B | $1.8B | ||
| Q1 24 | $12.6B | $1.8B |
负债/权益比KMPRSCSC
| Q4 25 | 0.35× | — | ||
| Q3 25 | 0.35× | — | ||
| Q2 25 | 2.55× | — | ||
| Q1 25 | 2.57× | — | ||
| Q4 24 | 0.50× | — | ||
| Q3 24 | 0.50× | — | ||
| Q2 24 | 3.88× | — | ||
| Q1 24 | 0.54× | — |
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 | $30.8M |
| 自由现金流经营现金流 - 资本支出 | $166.2M | $28.9M |
| 自由现金流率自由现金流/营收 | 14.7% | 3.8% |
| 资本支出强度资本支出/营收 | 0.8% | 0.3% |
| 现金转化率经营现金流/净利润 | — | 1.87× |
| 过去12个月自由现金流最近4个季度 | $553.9M | — |
8季度趋势，按日历期对齐
经营现金流KMPRSCSC
| Q4 25 | $175.0M | $30.8M | ||
| Q3 25 | $139.9M | $23.2M | ||
| Q2 25 | $89.6M | — | ||
| Q1 25 | $180.0M | $66.1M | ||
| Q4 24 | $175.1M | $-6.2M | ||
| Q3 24 | $141.9M | $44.8M | ||
| Q2 24 | $22.9M | — | ||
| Q1 24 | $43.0M | $160.2M |
自由现金流KMPRSCSC
| Q4 25 | $166.2M | $28.9M | ||
| Q3 25 | $133.4M | $20.8M | ||
| Q2 25 | $82.0M | — | ||
| Q1 25 | $172.3M | $64.6M | ||
| Q4 24 | $165.4M | $-8.2M | ||
| Q3 24 | $131.4M | $42.5M | ||
| Q2 24 | $5.2M | — | ||
| Q1 24 | $27.7M | $157.7M |
自由现金流率KMPRSCSC
| Q4 25 | 14.7% | 3.8% | ||
| Q3 25 | 10.8% | 2.8% | ||
| Q2 25 | 6.7% | — | ||
| Q1 25 | 14.4% | 9.2% | ||
| Q4 24 | 13.9% | -1.1% | ||
| Q3 24 | 11.1% | 5.5% | ||
| Q2 24 | 0.5% | — | ||
| Q1 24 | 2.4% | 21.0% |
资本支出强度KMPRSCSC
| Q4 25 | 0.8% | 0.3% | ||
| Q3 25 | 0.5% | 0.3% | ||
| Q2 25 | 0.6% | 0.3% | ||
| Q1 25 | 0.6% | 0.2% | ||
| Q4 24 | 0.8% | 0.3% | ||
| Q3 24 | 0.9% | 0.3% | ||
| Q2 24 | 1.6% | 0.2% | ||
| Q1 24 | 1.3% | 0.3% |
现金转化率KMPRSCSC
| Q4 25 | — | 1.87× | ||
| Q3 25 | — | 1.17× | ||
| Q2 25 | 1.23× | — | ||
| Q1 25 | 1.81× | 3.79× | ||
| Q4 24 | 1.80× | -0.36× | ||
| Q3 24 | 1.93× | 2.64× | ||
| Q2 24 | 0.30× | — | ||
| Q1 24 | 0.60× | 12.51× |
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% |
SCSC
| Products And Services | $723.4M | 94% |
| Intelisys Advisory | $25.0M | 3% |
| Recurring Revenue | $18.2M | 2% |
