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Side-by-side financial comparison of Core Natural Resources, Inc. (CNR) 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 $1.0B, roughly 1.1× Core Natural Resources, Inc.). KEMPER Corp runs the higher net margin — -0.7% vs -7.6%, a 6.9% gap on every dollar of revenue. On growth, Core Natural Resources, Inc. posted the faster year-over-year revenue change (81.8% vs -4.7%). KEMPER Corp produced more free cash flow last quarter ($166.2M vs $26.0M). Over the past eight quarters, Core Natural Resources, Inc.'s revenue compounded faster (38.1% CAGR vs -0.5%).
Arch Resources, previously known as Arch Coal, was an American coal mining and processing company. The company mined, processed, and marketed bituminous and sub-bituminous coal with low sulfur content in the United States. Arch Resources was the second-largest supplier of coal in the United States, behind Peabody Energy. As of 2011 the company supplied 15% of the domestic market. Demand came mainly from generators of electricity.
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.
CNR vs KMPR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.0B | $1.1B |
| Net Profit | $-79.0M | $-8.0M |
| Gross Margin | — | — |
| Operating Margin | -9.3% | — |
| Net Margin | -7.6% | -0.7% |
| Revenue YoY | 81.8% | -4.7% |
| Net Profit YoY | -356.3% | -108.2% |
| EPS (diluted) | $-1.51 | $-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 | $1.0B | $1.1B | ||
| Q3 25 | $1.0B | $1.2B | ||
| Q2 25 | $1.1B | $1.2B | ||
| Q1 25 | $1.0B | $1.2B | ||
| Q4 24 | $573.6M | $1.2B | ||
| Q3 24 | $553.4M | $1.2B | ||
| Q2 24 | $490.7M | $1.1B | ||
| Q1 24 | $546.7M | $1.1B |
| Q4 25 | $-79.0M | $-8.0M | ||
| Q3 25 | $31.6M | $-21.0M | ||
| Q2 25 | $-36.6M | $72.6M | ||
| Q1 25 | $-69.3M | $99.7M | ||
| Q4 24 | $30.8M | $97.4M | ||
| Q3 24 | $95.6M | $73.7M | ||
| Q2 24 | $58.1M | $75.4M | ||
| Q1 24 | $101.9M | $71.3M |
| Q4 25 | -9.3% | — | ||
| Q3 25 | -1.2% | — | ||
| Q2 25 | -1.7% | — | ||
| Q1 25 | -5.3% | — | ||
| Q4 24 | 6.6% | — | ||
| Q3 24 | 21.2% | 11.2% | ||
| Q2 24 | 14.6% | 10.1% | ||
| Q1 24 | 22.7% | 7.6% |
| Q4 25 | -7.6% | -0.7% | ||
| Q3 25 | 3.2% | -1.7% | ||
| Q2 25 | -3.3% | 5.9% | ||
| Q1 25 | -6.8% | 8.4% | ||
| Q4 24 | 5.4% | 8.2% | ||
| Q3 24 | 17.3% | 6.3% | ||
| Q2 24 | 11.8% | 6.7% | ||
| Q1 24 | 18.6% | 6.2% |
| Q4 25 | $-1.51 | $-0.03 | ||
| Q3 25 | $0.61 | $-0.34 | ||
| Q2 25 | $-0.70 | $1.12 | ||
| Q1 25 | $-1.38 | $1.54 | ||
| Q4 24 | $1.04 | $1.51 | ||
| Q3 24 | $3.22 | $1.14 | ||
| Q2 24 | $1.96 | $1.16 | ||
| Q1 24 | $3.39 | $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 | $432.2M | — |
| Total DebtLower is stronger | $354.2M | $943.5M |
| Stockholders' EquityBook value | $3.7B | $2.7B |
| Total Assets | $6.1B | $12.5B |
| Debt / EquityLower = less leverage | 0.10× | 0.35× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $432.2M | — | ||
| Q3 25 | $444.7M | $371.2M | ||
| Q2 25 | $413.2M | $407.6M | ||
| Q1 25 | $388.5M | $545.3M | ||
| Q4 24 | $460.2M | $1.0B | ||
| Q3 24 | $331.7M | $696.9M | ||
| Q2 24 | $216.1M | $539.1M | ||
| Q1 24 | $172.6M | $520.7M |
| Q4 25 | $354.2M | $943.5M | ||
| Q3 25 | $334.5M | $943.1M | ||
| Q2 25 | $334.0M | $942.6M | ||
| Q1 25 | $329.8M | $942.1M | ||
| Q4 24 | $94.8M | $1.4B | ||
| Q3 24 | $83.7M | $1.4B | ||
| Q2 24 | $184.9M | $1.4B | ||
| Q1 24 | $185.5M | $1.4B |
| Q4 25 | $3.7B | $2.7B | ||
| Q3 25 | $3.8B | $2.7B | ||
| Q2 25 | $3.8B | $370.0M | ||
| Q1 25 | $3.9B | $366.0M | ||
| Q4 24 | $1.6B | $2.8B | ||
| Q3 24 | $1.5B | $2.8B | ||
| Q2 24 | $1.4B | $358.0M | ||
| Q1 24 | $1.4B | $2.6B |
| Q4 25 | $6.1B | $12.5B | ||
| Q3 25 | $6.2B | $12.4B | ||
| Q2 25 | $6.2B | $12.6B | ||
| Q1 25 | $6.3B | $12.5B | ||
| Q4 24 | $2.9B | $12.6B | ||
| Q3 24 | $2.8B | $12.6B | ||
| Q2 24 | $2.7B | $12.6B | ||
| Q1 24 | $2.7B | $12.6B |
| Q4 25 | 0.10× | 0.35× | ||
| Q3 25 | 0.09× | 0.35× | ||
| Q2 25 | 0.09× | 2.55× | ||
| Q1 25 | 0.08× | 2.57× | ||
| Q4 24 | 0.06× | 0.50× | ||
| Q3 24 | 0.05× | 0.50× | ||
| Q2 24 | 0.13× | 3.88× | ||
| Q1 24 | 0.13× | 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 | $107.3M | $175.0M |
| Free Cash FlowOCF − Capex | $26.0M | $166.2M |
| FCF MarginFCF / Revenue | 2.5% | 14.7% |
| Capex IntensityCapex / Revenue | 7.8% | 0.8% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $21.2M | $553.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $107.3M | $175.0M | ||
| Q3 25 | $87.9M | $139.9M | ||
| Q2 25 | $220.2M | $89.6M | ||
| Q1 25 | $-109.6M | $180.0M | ||
| Q4 24 | $121.3M | $175.1M | ||
| Q3 24 | $161.3M | $141.9M | ||
| Q2 24 | $116.3M | $22.9M | ||
| Q1 24 | $77.5M | $43.0M |
| Q4 25 | $26.0M | $166.2M | ||
| Q3 25 | $38.6M | $133.4M | ||
| Q2 25 | $131.0M | $82.0M | ||
| Q1 25 | $-174.5M | $172.3M | ||
| Q4 24 | $80.5M | $165.4M | ||
| Q3 24 | $121.9M | $131.4M | ||
| Q2 24 | $60.9M | $5.2M | ||
| Q1 24 | $35.1M | $27.7M |
| Q4 25 | 2.5% | 14.7% | ||
| Q3 25 | 3.9% | 10.8% | ||
| Q2 25 | 11.9% | 6.7% | ||
| Q1 25 | -17.1% | 14.4% | ||
| Q4 24 | 14.0% | 13.9% | ||
| Q3 24 | 22.0% | 11.1% | ||
| Q2 24 | 12.4% | 0.5% | ||
| Q1 24 | 6.4% | 2.4% |
| Q4 25 | 7.8% | 0.8% | ||
| Q3 25 | 4.9% | 0.5% | ||
| Q2 25 | 8.1% | 0.6% | ||
| Q1 25 | 6.4% | 0.6% | ||
| Q4 24 | 7.1% | 0.8% | ||
| Q3 24 | 7.1% | 0.9% | ||
| Q2 24 | 11.3% | 1.6% | ||
| Q1 24 | 7.7% | 1.3% |
| Q4 25 | — | — | ||
| Q3 25 | 2.78× | — | ||
| Q2 25 | — | 1.23× | ||
| Q1 25 | — | 1.81× | ||
| Q4 24 | 3.94× | 1.80× | ||
| Q3 24 | 1.69× | 1.93× | ||
| Q2 24 | 2.00× | 0.30× | ||
| Q1 24 | 0.76× | 0.60× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CNR
| Other | $397.4M | 38% |
| Power Generation | $376.5M | 36% |
| PRB | $183.0M | 18% |
| Metallurgical | $42.0M | 4% |
| Industrial | $34.1M | 3% |
| Terminal Revenue | $6.4M | 1% |
| Other Revenue | $3.0M | 0% |
KMPR
| Specialty Property Casualty Insurance Segment | $995.1M | 88% |
| Life Insurance Segment1 | $140.7M | 12% |
