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Side-by-side financial comparison of AvalonBay Communities (AVB) and KEMPER Corp (KMPR). Click either name above to swap in a different company.
KEMPER Corp is the larger business by last-quarter revenue ($1.1B vs $767.9M, roughly 1.5× AvalonBay Communities). AvalonBay Communities runs the higher net margin — 9040.6% vs -0.7%, a 9041.3% gap on every dollar of revenue. On growth, AvalonBay Communities posted the faster year-over-year revenue change (3.7% vs -4.7%). AvalonBay Communities produced more free cash flow last quarter ($1.4B vs $166.2M). Over the past eight quarters, AvalonBay Communities's revenue compounded faster (3.8% CAGR vs -0.5%).
AvalonBay Communities, Inc. is a publicly traded real estate investment trust that invests in apartments.
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.
AVB vs KMPR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $767.9M | $1.1B |
| Net Profit | $166.0M | $-8.0M |
| Gross Margin | — | — |
| Operating Margin | 64.2% | — |
| Net Margin | 9040.6% | -0.7% |
| Revenue YoY | 3.7% | -4.7% |
| Net Profit YoY | -41.2% | -108.2% |
| EPS (diluted) | $1.18 | $-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 | $767.9M | $1.1B | ||
| Q3 25 | $766.8M | $1.2B | ||
| Q2 25 | $760.2M | $1.2B | ||
| Q1 25 | $745.9M | $1.2B | ||
| Q4 24 | $740.5M | $1.2B | ||
| Q3 24 | $734.3M | $1.2B | ||
| Q2 24 | $726.0M | $1.1B | ||
| Q1 24 | $712.9M | $1.1B |
| Q4 25 | $166.0M | $-8.0M | ||
| Q3 25 | $381.3M | $-21.0M | ||
| Q2 25 | $268.7M | $72.6M | ||
| Q1 25 | $236.6M | $99.7M | ||
| Q4 24 | $282.1M | $97.4M | ||
| Q3 24 | $372.5M | $73.7M | ||
| Q2 24 | $253.9M | $75.4M | ||
| Q1 24 | $173.4M | $71.3M |
| Q4 25 | 64.2% | — | ||
| Q3 25 | 65.7% | — | ||
| Q2 25 | 67.6% | — | ||
| Q1 25 | 68.5% | — | ||
| Q4 24 | 63.1% | — | ||
| Q3 24 | 65.4% | 11.2% | ||
| Q2 24 | 66.6% | 10.1% | ||
| Q1 24 | 67.2% | 7.6% |
| Q4 25 | 9040.6% | -0.7% | ||
| Q3 25 | 49.7% | -1.7% | ||
| Q2 25 | 35.3% | 5.9% | ||
| Q1 25 | 31.7% | 8.4% | ||
| Q4 24 | 38.1% | 8.2% | ||
| Q3 24 | 50.7% | 6.3% | ||
| Q2 24 | 35.0% | 6.7% | ||
| Q1 24 | 24.3% | 6.2% |
| Q4 25 | $1.18 | $-0.03 | ||
| Q3 25 | $2.68 | $-0.34 | ||
| Q2 25 | $1.88 | $1.12 | ||
| Q1 25 | $1.66 | $1.54 | ||
| Q4 24 | $1.99 | $1.51 | ||
| Q3 24 | $2.61 | $1.14 | ||
| Q2 24 | $1.78 | $1.16 | ||
| Q1 24 | $1.22 | $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 | $187.2M | — |
| Total DebtLower is stronger | $9.3B | $943.5M |
| Stockholders' EquityBook value | $11.6B | $2.7B |
| Total Assets | $22.2B | $12.5B |
| Debt / EquityLower = less leverage | 0.80× | 0.35× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $187.2M | — | ||
| Q3 25 | $123.3M | $371.2M | ||
| Q2 25 | $102.8M | $407.6M | ||
| Q1 25 | $53.3M | $545.3M | ||
| Q4 24 | $108.6M | $1.0B | ||
| Q3 24 | $552.4M | $696.9M | ||
| Q2 24 | $545.8M | $539.1M | ||
| Q1 24 | $287.9M | $520.7M |
| Q4 25 | $9.3B | $943.5M | ||
| Q3 25 | $8.7B | $943.1M | ||
| Q2 25 | $8.7B | $942.6M | ||
| Q1 25 | $8.3B | $942.1M | ||
| Q4 24 | $8.1B | $1.4B | ||
| Q3 24 | $8.4B | $1.4B | ||
| Q2 24 | $8.4B | $1.4B | ||
| Q1 24 | $8.0B | $1.4B |
| Q4 25 | $11.6B | $2.7B | ||
| Q3 25 | $11.9B | $2.7B | ||
| Q2 25 | $11.9B | $370.0M | ||
| Q1 25 | $11.9B | $366.0M | ||
| Q4 24 | $11.9B | $2.8B | ||
| Q3 24 | $11.9B | $2.8B | ||
| Q2 24 | $11.7B | $358.0M | ||
| Q1 24 | $11.7B | $2.6B |
| Q4 25 | $22.2B | $12.5B | ||
| Q3 25 | $21.9B | $12.4B | ||
| Q2 25 | $21.8B | $12.6B | ||
| Q1 25 | $21.2B | $12.5B | ||
| Q4 24 | $21.0B | $12.6B | ||
| Q3 24 | $21.3B | $12.6B | ||
| Q2 24 | $21.0B | $12.6B | ||
| Q1 24 | $20.6B | $12.6B |
| Q4 25 | 0.80× | 0.35× | ||
| Q3 25 | 0.73× | 0.35× | ||
| Q2 25 | 0.72× | 2.55× | ||
| Q1 25 | 0.70× | 2.57× | ||
| Q4 24 | 0.68× | 0.50× | ||
| Q3 24 | 0.70× | 0.50× | ||
| Q2 24 | 0.71× | 3.88× | ||
| Q1 24 | 0.68× | 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 | $1.7B | $175.0M |
| Free Cash FlowOCF − Capex | $1.4B | $166.2M |
| FCF MarginFCF / Revenue | 183.5% | 14.7% |
| Capex IntensityCapex / Revenue | 34.1% | 0.8% |
| Cash ConversionOCF / Net Profit | 10.07× | — |
| TTM Free Cash FlowTrailing 4 quarters | $2.5B | $553.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7B | $175.0M | ||
| Q3 25 | $477.0M | $139.9M | ||
| Q2 25 | $377.8M | $89.6M | ||
| Q1 25 | $415.9M | $180.0M | ||
| Q4 24 | $1.6B | $175.1M | ||
| Q3 24 | $486.2M | $141.9M | ||
| Q2 24 | $380.0M | $22.9M | ||
| Q1 24 | $412.9M | $43.0M |
| Q4 25 | $1.4B | $166.2M | ||
| Q3 25 | $402.2M | $133.4M | ||
| Q2 25 | $317.1M | $82.0M | ||
| Q1 25 | $367.5M | $172.3M | ||
| Q4 24 | $1.4B | $165.4M | ||
| Q3 24 | $434.2M | $131.4M | ||
| Q2 24 | $333.0M | $5.2M | ||
| Q1 24 | $375.4M | $27.7M |
| Q4 25 | 183.5% | 14.7% | ||
| Q3 25 | 52.5% | 10.8% | ||
| Q2 25 | 41.7% | 6.7% | ||
| Q1 25 | 49.3% | 14.4% | ||
| Q4 24 | 191.0% | 13.9% | ||
| Q3 24 | 59.1% | 11.1% | ||
| Q2 24 | 45.9% | 0.5% | ||
| Q1 24 | 52.7% | 2.4% |
| Q4 25 | 34.1% | 0.8% | ||
| Q3 25 | 9.8% | 0.5% | ||
| Q2 25 | 8.0% | 0.6% | ||
| Q1 25 | 6.5% | 0.6% | ||
| Q4 24 | 26.1% | 0.8% | ||
| Q3 24 | 7.1% | 0.9% | ||
| Q2 24 | 6.5% | 1.6% | ||
| Q1 24 | 5.3% | 1.3% |
| Q4 25 | 10.07× | — | ||
| Q3 25 | 1.25× | — | ||
| Q2 25 | 1.41× | 1.23× | ||
| Q1 25 | 1.76× | 1.81× | ||
| Q4 24 | 5.70× | 1.80× | ||
| Q3 24 | 1.31× | 1.93× | ||
| Q2 24 | 1.50× | 0.30× | ||
| Q1 24 | 2.38× | 0.60× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AVB
Segment breakdown not available.
KMPR
| Specialty Property Casualty Insurance Segment | $995.1M | 88% |
| Life Insurance Segment1 | $140.7M | 12% |
