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KEMPER Corp（KMPR）与Tri Pointe Homes, Inc.（TPH）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Tri Pointe Homes, Inc.的1.2倍（$1.1B vs $972.6M），Tri Pointe Homes, Inc.净利率更高（6.2% vs -0.7%，领先6.9%），KEMPER Corp同比增速更快（-4.7% vs -22.4%），Tri Pointe Homes, Inc.自由现金流更多（$213.2M vs $166.2M），过去两年Tri Pointe Homes, Inc.的营收复合增速更高（1.8% 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。
Tri Pointe Homes, Inc.是总部位于美国内华达州inclinet村的住宅建筑企业，为购房者提供融资及保险服务，业务覆盖亚利桑那、加利福尼亚、内华达、华盛顿、科罗拉多、得克萨斯、哥伦比亚特区、马里兰、北卡罗来纳、南卡罗来纳、弗吉尼亚等地区，按房屋交付量计算是美国第18大住宅建筑商。
KMPR vs TPH — 直观对比
营收规模更大
KMPR
是对方的1.2倍
$972.6M
营收增速更快
KMPR
高出17.8%
-22.4%
净利率更高
TPH
高出6.9%
-0.7%
自由现金流更多
TPH
多$47.0M
$166.2M
两年增速更快
TPH
近两年复合增速
-0.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $972.6M |
| 净利润 | $-8.0M | $60.2M |
| 毛利率 | — | — |
| 营业利润率 | — | 8.1% |
| 净利率 | -0.7% | 6.2% |
| 营收同比 | -4.7% | -22.4% |
| 净利润同比 | -108.2% | -53.4% |
| 每股收益（稀释后） | $-0.03 | $0.70 |
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KMPRTPH
| Q4 25 | $1.1B | $972.6M | ||
| Q3 25 | $1.2B | $854.7M | ||
| Q2 25 | $1.2B | $902.4M | ||
| Q1 25 | $1.2B | $740.9M | ||
| Q4 24 | $1.2B | $1.3B | ||
| Q3 24 | $1.2B | $1.1B | ||
| Q2 24 | $1.1B | $1.2B | ||
| Q1 24 | $1.1B | $939.4M |
净利润KMPRTPH
| Q4 25 | $-8.0M | $60.2M | ||
| Q3 25 | $-21.0M | $56.1M | ||
| Q2 25 | $72.6M | $60.7M | ||
| Q1 25 | $99.7M | $64.0M | ||
| Q4 24 | $97.4M | $129.2M | ||
| Q3 24 | $73.7M | $111.8M | ||
| Q2 24 | $75.4M | $118.0M | ||
| Q1 24 | $71.3M | $99.1M |
营业利润率KMPRTPH
| Q4 25 | — | 8.1% | ||
| Q3 25 | — | 8.1% | ||
| Q2 25 | — | 8.5% | ||
| Q1 25 | — | 10.4% | ||
| Q4 24 | — | 13.4% | ||
| Q3 24 | 11.2% | 12.6% | ||
| Q2 24 | 10.1% | 12.9% | ||
| Q1 24 | 7.6% | 12.3% |
净利率KMPRTPH
| Q4 25 | -0.7% | 6.2% | ||
| Q3 25 | -1.7% | 6.6% | ||
| Q2 25 | 5.9% | 6.7% | ||
| Q1 25 | 8.4% | 8.6% | ||
| Q4 24 | 8.2% | 10.3% | ||
| Q3 24 | 6.3% | 9.8% | ||
| Q2 24 | 6.7% | 10.2% | ||
| Q1 24 | 6.2% | 10.5% |
每股收益（稀释后）KMPRTPH
| Q4 25 | $-0.03 | $0.70 | ||
| Q3 25 | $-0.34 | $0.64 | ||
| Q2 25 | $1.12 | $0.68 | ||
| Q1 25 | $1.54 | $0.70 | ||
| Q4 24 | $1.51 | $1.37 | ||
| Q3 24 | $1.14 | $1.18 | ||
| Q2 24 | $1.16 | $1.25 | ||
| Q1 24 | $1.10 | $1.03 |
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 | — | $982.8M |
| 总债务越低越好 | $943.5M | — |
| 股东权益账面价值 | $2.7B | $3.3B |
| 总资产 | $12.5B | $5.0B |
| 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KMPRTPH
| Q4 25 | — | $982.8M | ||
| Q3 25 | $371.2M | $792.0M | ||
| Q2 25 | $407.6M | $622.6M | ||
| Q1 25 | $545.3M | $812.9M | ||
| Q4 24 | $1.0B | $970.0M | ||
| Q3 24 | $696.9M | $676.0M | ||
| Q2 24 | $539.1M | $492.9M | ||
| Q1 24 | $520.7M | $944.0M |
总债务KMPRTPH
| Q4 25 | $943.5M | — | ||
| Q3 25 | $943.1M | — | ||
| Q2 25 | $942.6M | — | ||
| Q1 25 | $942.1M | — | ||
| Q4 24 | $1.4B | $646.5M | ||
| Q3 24 | $1.4B | — | ||
| Q2 24 | $1.4B | — | ||
| Q1 24 | $1.4B | — |
股东权益KMPRTPH
| Q4 25 | $2.7B | $3.3B | ||
| Q3 25 | $2.7B | $3.3B | ||
| Q2 25 | $370.0M | $3.3B | ||
| Q1 25 | $366.0M | $3.3B | ||
| Q4 24 | $2.8B | $3.3B | ||
| Q3 24 | $2.8B | $3.2B | ||
| Q2 24 | $358.0M | $3.1B | ||
| Q1 24 | $2.6B | $3.0B |
总资产KMPRTPH
| Q4 25 | $12.5B | $5.0B | ||
| Q3 25 | $12.4B | $5.0B | ||
| Q2 25 | $12.6B | $4.8B | ||
| Q1 25 | $12.5B | $4.8B | ||
| Q4 24 | $12.6B | $4.9B | ||
| Q3 24 | $12.6B | $4.8B | ||
| Q2 24 | $12.6B | $4.6B | ||
| Q1 24 | $12.6B | $5.0B |
负债/权益比KMPRTPH
| Q4 25 | 0.35× | — | ||
| Q3 25 | 0.35× | — | ||
| Q2 25 | 2.55× | — | ||
| Q1 25 | 2.57× | — | ||
| Q4 24 | 0.50× | 0.19× | ||
| 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 | $221.0M |
| 自由现金流经营现金流 - 资本支出 | $166.2M | $213.2M |
| 自由现金流率自由现金流/营收 | 14.7% | 21.9% |
| 资本支出强度资本支出/营收 | 0.8% | 0.8% |
| 现金转化率经营现金流/净利润 | — | 3.67× |
| 过去12个月自由现金流最近4个季度 | $553.9M | $128.5M |
8季度趋势，按日历期对齐
经营现金流KMPRTPH
| Q4 25 | $175.0M | $221.0M | ||
| Q3 25 | $139.9M | $45.9M | ||
| Q2 25 | $89.6M | $-74.3M | ||
| Q1 25 | $180.0M | $-31.2M | ||
| Q4 24 | $175.1M | $360.3M | ||
| Q3 24 | $141.9M | $167.9M | ||
| Q2 24 | $22.9M | $23.1M | ||
| Q1 24 | $43.0M | $144.7M |
自由现金流KMPRTPH
| Q4 25 | $166.2M | $213.2M | ||
| Q3 25 | $133.4M | $39.1M | ||
| Q2 25 | $82.0M | $-84.5M | ||
| Q1 25 | $172.3M | $-39.3M | ||
| Q4 24 | $165.4M | $355.9M | ||
| Q3 24 | $131.4M | $161.5M | ||
| Q2 24 | $5.2M | $17.0M | ||
| Q1 24 | $27.7M | $138.3M |
自由现金流率KMPRTPH
| Q4 25 | 14.7% | 21.9% | ||
| Q3 25 | 10.8% | 4.6% | ||
| Q2 25 | 6.7% | -9.4% | ||
| Q1 25 | 14.4% | -5.3% | ||
| Q4 24 | 13.9% | 28.4% | ||
| Q3 24 | 11.1% | 14.1% | ||
| Q2 24 | 0.5% | 1.5% | ||
| Q1 24 | 2.4% | 14.7% |
资本支出强度KMPRTPH
| Q4 25 | 0.8% | 0.8% | ||
| Q3 25 | 0.5% | 0.8% | ||
| Q2 25 | 0.6% | 1.1% | ||
| Q1 25 | 0.6% | 1.1% | ||
| Q4 24 | 0.8% | 0.3% | ||
| Q3 24 | 0.9% | 0.6% | ||
| Q2 24 | 1.6% | 0.5% | ||
| Q1 24 | 1.3% | 0.7% |
现金转化率KMPRTPH
| Q4 25 | — | 3.67× | ||
| Q3 25 | — | 0.82× | ||
| Q2 25 | 1.23× | -1.22× | ||
| Q1 25 | 1.81× | -0.49× | ||
| Q4 24 | 1.80× | 2.79× | ||
| Q3 24 | 1.93× | 1.50× | ||
| Q2 24 | 0.30× | 0.20× | ||
| Q1 24 | 0.60× | 1.46× |
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% |
TPH
| West | $547.8M | 56% |
| Central | $245.1M | 25% |
| East | $161.8M | 17% |
| Financial Services Segment | $18.0M | 2% |
| Land | $7.9M | 1% |
