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Side-by-side financial comparison of EPAM Systems (EPAM) and KEMPER Corp (KMPR). Click either name above to swap in a different company.
EPAM Systems is the larger business by last-quarter revenue ($1.4B vs $1.1B, roughly 1.2× KEMPER Corp). EPAM Systems runs the higher net margin — 7.8% vs -0.7%, a 8.5% gap on every dollar of revenue. On growth, EPAM Systems posted the faster year-over-year revenue change (12.8% vs -4.7%). EPAM Systems produced more free cash flow last quarter ($268.1M vs $166.2M). Over the past eight quarters, EPAM Systems's revenue compounded faster (9.9% CAGR vs -0.5%).
EPAM Systems, Inc. is an American company that specializes in software engineering services, digital platform engineering, and digital product design, operating out of Newtown, Pennsylvania. EPAM is a founding member of the MACH Alliance.
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.
EPAM vs KMPR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.4B | $1.1B |
| Net Profit | $109.4M | $-8.0M |
| Gross Margin | 30.1% | — |
| Operating Margin | 10.6% | — |
| Net Margin | 7.8% | -0.7% |
| Revenue YoY | 12.8% | -4.7% |
| Net Profit YoY | 5.9% | -108.2% |
| EPS (diluted) | $1.97 | $-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 | $1.4B | $1.1B | ||
| Q3 25 | $1.4B | $1.2B | ||
| Q2 25 | $1.4B | $1.2B | ||
| Q1 25 | $1.3B | $1.2B | ||
| Q4 24 | $1.2B | $1.2B | ||
| Q3 24 | $1.2B | $1.2B | ||
| Q2 24 | $1.1B | $1.1B | ||
| Q1 24 | $1.2B | $1.1B |
| Q4 25 | $109.4M | $-8.0M | ||
| Q3 25 | $106.8M | $-21.0M | ||
| Q2 25 | $88.0M | $72.6M | ||
| Q1 25 | $73.5M | $99.7M | ||
| Q4 24 | $103.3M | $97.4M | ||
| Q3 24 | $136.3M | $73.7M | ||
| Q2 24 | $98.6M | $75.4M | ||
| Q1 24 | $116.2M | $71.3M |
| Q4 25 | 30.1% | — | ||
| Q3 25 | 29.5% | — | ||
| Q2 25 | 28.8% | — | ||
| Q1 25 | 26.9% | — | ||
| Q4 24 | 30.4% | — | ||
| Q3 24 | 34.6% | — | ||
| Q2 24 | 29.3% | — | ||
| Q1 24 | 28.4% | — |
| Q4 25 | 10.6% | — | ||
| Q3 25 | 10.4% | — | ||
| Q2 25 | 9.3% | — | ||
| Q1 25 | 7.6% | — | ||
| Q4 24 | 10.9% | — | ||
| Q3 24 | 15.2% | 11.2% | ||
| Q2 24 | 10.5% | 10.1% | ||
| Q1 24 | 9.5% | 7.6% |
| Q4 25 | 7.8% | -0.7% | ||
| Q3 25 | 7.7% | -1.7% | ||
| Q2 25 | 6.5% | 5.9% | ||
| Q1 25 | 5.6% | 8.4% | ||
| Q4 24 | 8.3% | 8.2% | ||
| Q3 24 | 11.7% | 6.3% | ||
| Q2 24 | 8.6% | 6.7% | ||
| Q1 24 | 10.0% | 6.2% |
| Q4 25 | $1.97 | $-0.03 | ||
| Q3 25 | $1.91 | $-0.34 | ||
| Q2 25 | $1.56 | $1.12 | ||
| Q1 25 | $1.28 | $1.54 | ||
| Q4 24 | $1.80 | $1.51 | ||
| Q3 24 | $2.37 | $1.14 | ||
| Q2 24 | $1.70 | $1.16 | ||
| Q1 24 | $1.97 | $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 | $1.3B | — |
| Total DebtLower is stronger | — | $943.5M |
| Stockholders' EquityBook value | $3.7B | $2.7B |
| Total Assets | $4.9B | $12.5B |
| Debt / EquityLower = less leverage | — | 0.35× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.3B | — | ||
| Q3 25 | $1.2B | $371.2M | ||
| Q2 25 | $1.0B | $407.6M | ||
| Q1 25 | $1.2B | $545.3M | ||
| Q4 24 | $1.3B | $1.0B | ||
| Q3 24 | $2.1B | $696.9M | ||
| Q2 24 | $1.8B | $539.1M | ||
| Q1 24 | $2.0B | $520.7M |
| Q4 25 | — | $943.5M | ||
| Q3 25 | — | $943.1M | ||
| Q2 25 | — | $942.6M | ||
| Q1 25 | — | $942.1M | ||
| Q4 24 | — | $1.4B | ||
| Q3 24 | — | $1.4B | ||
| Q2 24 | — | $1.4B | ||
| Q1 24 | — | $1.4B |
| Q4 25 | $3.7B | $2.7B | ||
| Q3 25 | $3.7B | $2.7B | ||
| Q2 25 | $3.7B | $370.0M | ||
| Q1 25 | $3.6B | $366.0M | ||
| Q4 24 | $3.6B | $2.8B | ||
| Q3 24 | $3.6B | $2.8B | ||
| Q2 24 | $3.4B | $358.0M | ||
| Q1 24 | $3.5B | $2.6B |
| Q4 25 | $4.9B | $12.5B | ||
| Q3 25 | $4.8B | $12.4B | ||
| Q2 25 | $4.7B | $12.6B | ||
| Q1 25 | $4.7B | $12.5B | ||
| Q4 24 | $4.8B | $12.6B | ||
| Q3 24 | $4.5B | $12.6B | ||
| Q2 24 | $4.2B | $12.6B | ||
| Q1 24 | $4.4B | $12.6B |
| Q4 25 | — | 0.35× | ||
| Q3 25 | — | 0.35× | ||
| Q2 25 | — | 2.55× | ||
| Q1 25 | — | 2.57× | ||
| Q4 24 | — | 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 | $282.9M | $175.0M |
| Free Cash FlowOCF − Capex | $268.1M | $166.2M |
| FCF MarginFCF / Revenue | 19.0% | 14.7% |
| Capex IntensityCapex / Revenue | 1.1% | 0.8% |
| Cash ConversionOCF / Net Profit | 2.59× | — |
| TTM Free Cash FlowTrailing 4 quarters | $612.7M | $553.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $282.9M | $175.0M | ||
| Q3 25 | $294.7M | $139.9M | ||
| Q2 25 | $53.2M | $89.6M | ||
| Q1 25 | $24.2M | $180.0M | ||
| Q4 24 | $130.3M | $175.1M | ||
| Q3 24 | $242.0M | $141.9M | ||
| Q2 24 | $57.0M | $22.9M | ||
| Q1 24 | $129.9M | $43.0M |
| Q4 25 | $268.1M | $166.2M | ||
| Q3 25 | $286.4M | $133.4M | ||
| Q2 25 | $43.4M | $82.0M | ||
| Q1 25 | $14.8M | $172.3M | ||
| Q4 24 | $114.5M | $165.4M | ||
| Q3 24 | $237.0M | $131.4M | ||
| Q2 24 | $52.3M | $5.2M | ||
| Q1 24 | $123.2M | $27.7M |
| Q4 25 | 19.0% | 14.7% | ||
| Q3 25 | 20.5% | 10.8% | ||
| Q2 25 | 3.2% | 6.7% | ||
| Q1 25 | 1.1% | 14.4% | ||
| Q4 24 | 9.2% | 13.9% | ||
| Q3 24 | 20.3% | 11.1% | ||
| Q2 24 | 4.6% | 0.5% | ||
| Q1 24 | 10.6% | 2.4% |
| Q4 25 | 1.1% | 0.8% | ||
| Q3 25 | 0.6% | 0.5% | ||
| Q2 25 | 0.7% | 0.6% | ||
| Q1 25 | 0.7% | 0.6% | ||
| Q4 24 | 1.3% | 0.8% | ||
| Q3 24 | 0.4% | 0.9% | ||
| Q2 24 | 0.4% | 1.6% | ||
| Q1 24 | 0.6% | 1.3% |
| Q4 25 | 2.59× | — | ||
| Q3 25 | 2.76× | — | ||
| Q2 25 | 0.60× | 1.23× | ||
| Q1 25 | 0.33× | 1.81× | ||
| Q4 24 | 1.26× | 1.80× | ||
| Q3 24 | 1.77× | 1.93× | ||
| Q2 24 | 0.58× | 0.30× | ||
| Q1 24 | 1.12× | 0.60× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
EPAM
Segment breakdown not available.
KMPR
| Specialty Property Casualty Insurance Segment | $995.1M | 88% |
| Life Insurance Segment1 | $140.7M | 12% |
