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KEMPER Corp（KMPR）与Ubiquiti Inc.（UI）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Ubiquiti Inc.的1.4倍（$1.1B vs $814.9M），Ubiquiti Inc.净利率更高（28.7% vs -0.7%，领先29.4%），Ubiquiti Inc.同比增速更快（35.8% vs -4.7%），Ubiquiti Inc.自由现金流更多（$260.3M vs $166.2M），过去两年Ubiquiti Inc.的营收复合增速更高（28.6% 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。
Ubiquiti Inc.是一家美国科技企业，2003年于加利福尼亚州圣何塞成立，目前总部位于纽约。公司旗下拥有多个品牌，主营面向企业及家庭用户的有线、无线数据通信产品的研发、生产与销售。
KMPR vs UI — 直观对比
营收规模更大
KMPR
是对方的1.4倍
$814.9M
营收增速更快
UI
高出40.5%
-4.7%
净利率更高
UI
高出29.4%
-0.7%
自由现金流更多
UI
多$94.1M
$166.2M
两年增速更快
UI
近两年复合增速
-0.5%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.1B | $814.9M |
| 净利润 | $-8.0M | $233.6M |
| 毛利率 | — | 45.9% |
| 营业利润率 | — | 35.9% |
| 净利率 | -0.7% | 28.7% |
| 营收同比 | -4.7% | 35.8% |
| 净利润同比 | -108.2% | 70.8% |
| 每股收益（稀释后） | $-0.03 | $3.86 |
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KMPRUI
| Q4 25 | $1.1B | $814.9M | ||
| Q3 25 | $1.2B | $733.8M | ||
| Q2 25 | $1.2B | $759.2M | ||
| Q1 25 | $1.2B | $664.2M | ||
| Q4 24 | $1.2B | $599.9M | ||
| Q3 24 | $1.2B | $550.3M | ||
| Q2 24 | $1.1B | $507.5M | ||
| Q1 24 | $1.1B | $493.0M |
净利润KMPRUI
| Q4 25 | $-8.0M | $233.6M | ||
| Q3 25 | $-21.0M | $207.9M | ||
| Q2 25 | $72.6M | $266.7M | ||
| Q1 25 | $99.7M | $180.4M | ||
| Q4 24 | $97.4M | $136.8M | ||
| Q3 24 | $73.7M | $128.0M | ||
| Q2 24 | $75.4M | $103.8M | ||
| Q1 24 | $71.3M | $76.3M |
毛利率KMPRUI
| Q4 25 | — | 45.9% | ||
| Q3 25 | — | 46.0% | ||
| Q2 25 | — | 45.1% | ||
| Q1 25 | — | 44.5% | ||
| Q4 24 | — | 41.2% | ||
| Q3 24 | — | 42.1% | ||
| Q2 24 | — | 40.2% | ||
| Q1 24 | — | 35.3% |
营业利润率KMPRUI
| Q4 25 | — | 35.9% | ||
| Q3 25 | — | 35.7% | ||
| Q2 25 | — | 34.4% | ||
| Q1 25 | — | 34.2% | ||
| Q4 24 | — | 29.8% | ||
| Q3 24 | 11.2% | 30.7% | ||
| Q2 24 | 10.1% | 27.3% | ||
| Q1 24 | 7.6% | 22.6% |
净利率KMPRUI
| Q4 25 | -0.7% | 28.7% | ||
| Q3 25 | -1.7% | 28.3% | ||
| Q2 25 | 5.9% | 35.1% | ||
| Q1 25 | 8.4% | 27.2% | ||
| Q4 24 | 8.2% | 22.8% | ||
| Q3 24 | 6.3% | 23.3% | ||
| Q2 24 | 6.7% | 20.5% | ||
| Q1 24 | 6.2% | 15.5% |
每股收益（稀释后）KMPRUI
| Q4 25 | $-0.03 | $3.86 | ||
| Q3 25 | $-0.34 | $3.43 | ||
| Q2 25 | $1.12 | $4.40 | ||
| Q1 25 | $1.54 | $2.98 | ||
| Q4 24 | $1.51 | $2.26 | ||
| Q3 24 | $1.14 | $2.12 | ||
| Q2 24 | $1.16 | $1.72 | ||
| Q1 24 | $1.10 | $1.26 |
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 | — | $302.8M |
| 总债务越低越好 | $943.5M | $47.5M |
| 股东权益账面价值 | $2.7B | $1.0B |
| 总资产 | $12.5B | $1.6B |
| 负债/权益比越低杠杆越低 | 0.35× | 0.05× |
8季度趋势，按日历期对齐
现金及短期投资KMPRUI
| Q4 25 | — | $302.8M | ||
| Q3 25 | $371.2M | $177.2M | ||
| Q2 25 | $407.6M | $149.7M | ||
| Q1 25 | $545.3M | $151.0M | ||
| Q4 24 | $1.0B | $133.1M | ||
| Q3 24 | $696.9M | $165.2M | ||
| Q2 24 | $539.1M | $126.3M | ||
| Q1 24 | $520.7M | $102.5M |
总债务KMPRUI
| Q4 25 | $943.5M | $47.5M | ||
| Q3 25 | $943.1M | $133.8M | ||
| Q2 25 | $942.6M | $250.0M | ||
| Q1 25 | $942.1M | $340.0M | ||
| Q4 24 | $1.4B | $406.3M | ||
| Q3 24 | $1.4B | $552.5M | ||
| Q2 24 | $1.4B | $708.1M | ||
| Q1 24 | $1.4B | $877.5M |
股东权益KMPRUI
| Q4 25 | $2.7B | $1.0B | ||
| Q3 25 | $2.7B | $828.4M | ||
| Q2 25 | $370.0M | $668.3M | ||
| Q1 25 | $366.0M | $436.1M | ||
| Q4 24 | $2.8B | $290.4M | ||
| Q3 24 | $2.8B | $188.1M | ||
| Q2 24 | $358.0M | $95.1M | ||
| Q1 24 | $2.6B | $25.9M |
总资产KMPRUI
| Q4 25 | $12.5B | $1.6B | ||
| Q3 25 | $12.4B | $1.5B | ||
| Q2 25 | $12.6B | $1.5B | ||
| Q1 25 | $12.5B | $1.3B | ||
| Q4 24 | $12.6B | $1.2B | ||
| Q3 24 | $12.6B | $1.2B | ||
| Q2 24 | $12.6B | $1.2B | ||
| Q1 24 | $12.6B | $1.2B |
负债/权益比KMPRUI
| Q4 25 | 0.35× | 0.05× | ||
| Q3 25 | 0.35× | 0.16× | ||
| Q2 25 | 2.55× | 0.37× | ||
| Q1 25 | 2.57× | 0.78× | ||
| Q4 24 | 0.50× | 1.40× | ||
| Q3 24 | 0.50× | 2.94× | ||
| Q2 24 | 3.88× | 7.45× | ||
| Q1 24 | 0.54× | 33.92× |
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 | $263.9M |
| 自由现金流经营现金流 - 资本支出 | $166.2M | $260.3M |
| 自由现金流率自由现金流/营收 | 14.7% | 31.9% |
| 资本支出强度资本支出/营收 | 0.8% | 0.4% |
| 现金转化率经营现金流/净利润 | — | 1.13× |
| 过去12个月自由现金流最近4个季度 | $553.9M | $699.5M |
8季度趋势，按日历期对齐
经营现金流KMPRUI
| Q4 25 | $175.0M | $263.9M | ||
| Q3 25 | $139.9M | $198.5M | ||
| Q2 25 | $89.6M | $130.4M | ||
| Q1 25 | $180.0M | $123.6M | ||
| Q4 24 | $175.1M | $152.4M | ||
| Q3 24 | $141.9M | $233.7M | ||
| Q2 24 | $22.9M | $231.4M | ||
| Q1 24 | $43.0M | $163.9M |
自由现金流KMPRUI
| Q4 25 | $166.2M | $260.3M | ||
| Q3 25 | $133.4M | $193.3M | ||
| Q2 25 | $82.0M | $125.2M | ||
| Q1 25 | $172.3M | $120.7M | ||
| Q4 24 | $165.4M | $150.4M | ||
| Q3 24 | $131.4M | $231.1M | ||
| Q2 24 | $5.2M | $229.5M | ||
| Q1 24 | $27.7M | $160.6M |
自由现金流率KMPRUI
| Q4 25 | 14.7% | 31.9% | ||
| Q3 25 | 10.8% | 26.3% | ||
| Q2 25 | 6.7% | 16.5% | ||
| Q1 25 | 14.4% | 18.2% | ||
| Q4 24 | 13.9% | 25.1% | ||
| Q3 24 | 11.1% | 42.0% | ||
| Q2 24 | 0.5% | 45.2% | ||
| Q1 24 | 2.4% | 32.6% |
资本支出强度KMPRUI
| Q4 25 | 0.8% | 0.4% | ||
| Q3 25 | 0.5% | 0.7% | ||
| Q2 25 | 0.6% | 0.7% | ||
| Q1 25 | 0.6% | 0.4% | ||
| Q4 24 | 0.8% | 0.3% | ||
| Q3 24 | 0.9% | 0.5% | ||
| Q2 24 | 1.6% | 0.4% | ||
| Q1 24 | 1.3% | 0.7% |
现金转化率KMPRUI
| Q4 25 | — | 1.13× | ||
| Q3 25 | — | 0.95× | ||
| Q2 25 | 1.23× | 0.49× | ||
| Q1 25 | 1.81× | 0.68× | ||
| Q4 24 | 1.80× | 1.11× | ||
| Q3 24 | 1.93× | 1.83× | ||
| Q2 24 | 0.30× | 2.23× | ||
| Q1 24 | 0.60× | 2.15× |
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% |
UI
| Enterprise Technology | $729.0M | 89% |
| Service Provider Technology | $85.9M | 11% |
