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Side-by-side financial comparison of Ameren (AEE) and KEMPER Corp (KMPR). Click either name above to swap in a different company.
Ameren is the larger business by last-quarter revenue ($1.8B vs $1.1B, roughly 1.6× KEMPER Corp). Ameren runs the higher net margin — 14.2% vs -0.7%, a 14.9% gap on every dollar of revenue. On growth, KEMPER Corp posted the faster year-over-year revenue change (-4.7% vs -8.2%). KEMPER Corp produced more free cash flow last quarter ($166.2M vs $-54.0M). Over the past eight quarters, KEMPER Corp's revenue compounded faster (-0.5% CAGR vs -0.9%).
Ameren Corporation, together with its subsidiaries, operates as a public utility holding company in the United States. It operates through four segments: Ameren Missouri, Ameren Illinois Electric Distribution, Ameren Illinois Natural Gas, and Ameren Transmission. The company engages in the rate-regulated electric generation, transmission, and distribution activities; and rate-regulated natural gas distribution and transmission businesses. It primarily generates electricity through coal, nucle...
Kemper Corporation is an American insurance provider with corporate headquarters located in Chicago, Illinois. With nearly $13 billion in assets, the Kemper family of companies provides insurance to individuals, families, and businesses.
AEE vs KMPR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.8B | $1.1B |
| Net Profit | $253.0M | $-8.0M |
| Gross Margin | — | — |
| Operating Margin | 20.2% | — |
| Net Margin | 14.2% | -0.7% |
| Revenue YoY | -8.2% | -4.7% |
| Net Profit YoY | 21.6% | -108.2% |
| EPS (diluted) | $0.92 | $-0.03 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $1.8B | $1.1B | ||
| Q3 25 | $2.7B | $1.2B | ||
| Q2 25 | $2.2B | $1.2B | ||
| Q1 25 | $2.1B | $1.2B | ||
| Q4 24 | $1.9B | $1.2B | ||
| Q3 24 | $2.2B | $1.2B | ||
| Q2 24 | $1.7B | $1.1B | ||
| Q1 24 | $1.8B | $1.1B |
| Q4 25 | $253.0M | $-8.0M | ||
| Q3 25 | $641.0M | $-21.0M | ||
| Q2 25 | $277.0M | $72.6M | ||
| Q1 25 | $290.0M | $99.7M | ||
| Q4 24 | $208.0M | $97.4M | ||
| Q3 24 | $457.0M | $73.7M | ||
| Q2 24 | $260.0M | $75.4M | ||
| Q1 24 | $262.0M | $71.3M |
| Q4 25 | 20.2% | — | ||
| Q3 25 | 30.6% | — | ||
| Q2 25 | 18.5% | — | ||
| Q1 25 | 20.5% | — | ||
| Q4 24 | 10.2% | — | ||
| Q3 24 | 27.0% | 11.2% | ||
| Q2 24 | 21.3% | 10.1% | ||
| Q1 24 | 20.4% | 7.6% |
| Q4 25 | 14.2% | -0.7% | ||
| Q3 25 | 23.7% | -1.7% | ||
| Q2 25 | 12.5% | 5.9% | ||
| Q1 25 | 13.8% | 8.4% | ||
| Q4 24 | 10.7% | 8.2% | ||
| Q3 24 | 21.0% | 6.3% | ||
| Q2 24 | 15.4% | 6.7% | ||
| Q1 24 | 14.4% | 6.2% |
| Q4 25 | $0.92 | $-0.03 | ||
| Q3 25 | $2.35 | $-0.34 | ||
| Q2 25 | $1.01 | $1.12 | ||
| Q1 25 | $1.07 | $1.54 | ||
| Q4 24 | $0.77 | $1.51 | ||
| Q3 24 | $1.70 | $1.14 | ||
| Q2 24 | $0.97 | $1.16 | ||
| Q1 24 | $0.98 | $1.10 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $13.0M | — |
| Total DebtLower is stronger | $19.4B | $943.5M |
| Stockholders' EquityBook value | $13.4B | $2.7B |
| Total Assets | $48.5B | $12.5B |
| Debt / EquityLower = less leverage | 1.45× | 0.35× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $13.0M | — | ||
| Q3 25 | $9.0M | $371.2M | ||
| Q2 25 | $11.0M | $407.6M | ||
| Q1 25 | $23.0M | $545.3M | ||
| Q4 24 | $7.0M | $1.0B | ||
| Q3 24 | $17.0M | $696.9M | ||
| Q2 24 | $19.0M | $539.1M | ||
| Q1 24 | $85.0M | $520.7M |
| Q4 25 | $19.4B | $943.5M | ||
| Q3 25 | — | $943.1M | ||
| Q2 25 | — | $942.6M | ||
| Q1 25 | — | $942.1M | ||
| Q4 24 | $17.8B | $1.4B | ||
| Q3 24 | — | $1.4B | ||
| Q2 24 | — | $1.4B | ||
| Q1 24 | — | $1.4B |
| Q4 25 | $13.4B | $2.7B | ||
| Q3 25 | $12.8B | $2.7B | ||
| Q2 25 | $12.3B | $370.0M | ||
| Q1 25 | $12.2B | $366.0M | ||
| Q4 24 | $12.1B | $2.8B | ||
| Q3 24 | $11.8B | $2.8B | ||
| Q2 24 | $11.5B | $358.0M | ||
| Q1 24 | $11.4B | $2.6B |
| Q4 25 | $48.5B | $12.5B | ||
| Q3 25 | $47.4B | $12.4B | ||
| Q2 25 | $46.6B | $12.6B | ||
| Q1 25 | $45.7B | $12.5B | ||
| Q4 24 | $44.6B | $12.6B | ||
| Q3 24 | $43.3B | $12.6B | ||
| Q2 24 | $42.3B | $12.6B | ||
| Q1 24 | $41.3B | $12.6B |
| Q4 25 | 1.45× | 0.35× | ||
| Q3 25 | — | 0.35× | ||
| Q2 25 | — | 2.55× | ||
| Q1 25 | — | 2.57× | ||
| Q4 24 | 1.47× | 0.50× | ||
| Q3 24 | — | 0.50× | ||
| Q2 24 | — | 3.88× | ||
| Q1 24 | — | 0.54× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $956.0M | $175.0M |
| Free Cash FlowOCF − Capex | $-54.0M | $166.2M |
| FCF MarginFCF / Revenue | -3.0% | 14.7% |
| Capex IntensityCapex / Revenue | 56.7% | 0.8% |
| Cash ConversionOCF / Net Profit | 3.78× | — |
| TTM Free Cash FlowTrailing 4 quarters | $-775.0M | $553.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $956.0M | $175.0M | ||
| Q3 25 | $1.1B | $139.9M | ||
| Q2 25 | $862.0M | $89.6M | ||
| Q1 25 | $431.0M | $180.0M | ||
| Q4 24 | $817.0M | $175.1M | ||
| Q3 24 | $897.0M | $141.9M | ||
| Q2 24 | $557.0M | $22.9M | ||
| Q1 24 | $492.0M | $43.0M |
| Q4 25 | $-54.0M | $166.2M | ||
| Q3 25 | $116.0M | $133.4M | ||
| Q2 25 | $-204.0M | $82.0M | ||
| Q1 25 | $-633.0M | $172.3M | ||
| Q4 24 | $-473.0M | $165.4M | ||
| Q3 24 | $-240.0M | $131.4M | ||
| Q2 24 | $-445.0M | $5.2M | ||
| Q1 24 | $-398.0M | $27.7M |
| Q4 25 | -3.0% | 14.7% | ||
| Q3 25 | 4.3% | 10.8% | ||
| Q2 25 | -9.2% | 6.7% | ||
| Q1 25 | -30.2% | 14.4% | ||
| Q4 24 | -24.4% | 13.9% | ||
| Q3 24 | -11.0% | 11.1% | ||
| Q2 24 | -26.3% | 0.5% | ||
| Q1 24 | -21.9% | 2.4% |
| Q4 25 | 56.7% | 0.8% | ||
| Q3 25 | 36.6% | 0.5% | ||
| Q2 25 | 48.0% | 0.6% | ||
| Q1 25 | 50.7% | 0.6% | ||
| Q4 24 | 66.5% | 0.8% | ||
| Q3 24 | 52.3% | 0.9% | ||
| Q2 24 | 59.2% | 1.6% | ||
| Q1 24 | 49.0% | 1.3% |
| Q4 25 | 3.78× | — | ||
| Q3 25 | 1.72× | — | ||
| Q2 25 | 3.11× | 1.23× | ||
| Q1 25 | 1.49× | 1.81× | ||
| Q4 24 | 3.93× | 1.80× | ||
| Q3 24 | 1.96× | 1.93× | ||
| Q2 24 | 2.14× | 0.30× | ||
| Q1 24 | 1.88× | 0.60× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AEE
Segment breakdown not available.
KMPR
| Specialty Property Casualty Insurance Segment | $995.1M | 88% |
| Life Insurance Segment1 | $140.7M | 12% |
