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Side-by-side financial comparison of KB HOME (KBH) and KEMPER Corp (KMPR). Click either name above to swap in a different company.
KB HOME is the larger business by last-quarter revenue ($1.7B vs $1.1B, roughly 1.5× KEMPER Corp). KB HOME runs the higher net margin — 6.0% vs -0.7%, a 6.7% gap on every dollar of revenue. On growth, KEMPER Corp posted the faster year-over-year revenue change (-4.7% vs -15.3%). KB HOME produced more free cash flow last quarter ($290.1M vs $166.2M). Over the past eight quarters, KB HOME's revenue compounded faster (7.4% CAGR vs -0.5%).
KB Home is an American homebuilding company founded in 1957 as Kaufman & Broad in Detroit, Michigan. It was the first company to be traded on the New York Stock Exchange as a home builder. Its headquarters are in Los Angeles, California.
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.
KBH vs KMPR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.7B | $1.1B |
| Net Profit | $101.5M | $-8.0M |
| Gross Margin | — | — |
| Operating Margin | — | — |
| Net Margin | 6.0% | -0.7% |
| Revenue YoY | -15.3% | -4.7% |
| Net Profit YoY | -46.7% | -108.2% |
| EPS (diluted) | $1.55 | $-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 | $1.7B | $1.1B | ||
| Q3 25 | $1.6B | $1.2B | ||
| Q2 25 | $1.5B | $1.2B | ||
| Q1 25 | $1.4B | $1.2B | ||
| Q4 24 | $2.0B | $1.2B | ||
| Q3 24 | $1.8B | $1.2B | ||
| Q2 24 | $1.7B | $1.1B | ||
| Q1 24 | $1.5B | $1.1B |
| Q4 25 | $101.5M | $-8.0M | ||
| Q3 25 | $109.8M | $-21.0M | ||
| Q2 25 | $107.9M | $72.6M | ||
| Q1 25 | $109.6M | $99.7M | ||
| Q4 24 | $190.6M | $97.4M | ||
| Q3 24 | $157.3M | $73.7M | ||
| Q2 24 | $168.4M | $75.4M | ||
| Q1 24 | $138.7M | $71.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 11.2% | ||
| Q2 24 | — | 10.1% | ||
| Q1 24 | — | 7.6% |
| Q4 25 | 6.0% | -0.7% | ||
| Q3 25 | 6.8% | -1.7% | ||
| Q2 25 | 7.1% | 5.9% | ||
| Q1 25 | 7.9% | 8.4% | ||
| Q4 24 | 9.5% | 8.2% | ||
| Q3 24 | 9.0% | 6.3% | ||
| Q2 24 | 9.9% | 6.7% | ||
| Q1 24 | 9.4% | 6.2% |
| Q4 25 | $1.55 | $-0.03 | ||
| Q3 25 | $1.61 | $-0.34 | ||
| Q2 25 | $1.50 | $1.12 | ||
| Q1 25 | $1.49 | $1.54 | ||
| Q4 24 | $2.50 | $1.51 | ||
| Q3 24 | $2.04 | $1.14 | ||
| Q2 24 | $2.15 | $1.16 | ||
| Q1 24 | $1.76 | $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 | — | — |
| Total DebtLower is stronger | — | $943.5M |
| Stockholders' EquityBook value | $3.9B | $2.7B |
| Total Assets | $6.7B | $12.5B |
| Debt / EquityLower = less leverage | — | 0.35× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | — | $371.2M | ||
| Q2 25 | — | $407.6M | ||
| Q1 25 | — | $545.3M | ||
| Q4 24 | — | $1.0B | ||
| Q3 24 | — | $696.9M | ||
| Q2 24 | — | $539.1M | ||
| Q1 24 | — | $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 | $3.9B | $2.7B | ||
| Q3 25 | $3.9B | $2.7B | ||
| Q2 25 | $4.0B | $370.0M | ||
| Q1 25 | $4.1B | $366.0M | ||
| Q4 24 | $4.1B | $2.8B | ||
| Q3 24 | $4.0B | $2.8B | ||
| Q2 24 | $4.0B | $358.0M | ||
| Q1 24 | $3.9B | $2.6B |
| Q4 25 | $6.7B | $12.5B | ||
| Q3 25 | $7.0B | $12.4B | ||
| Q2 25 | $7.0B | $12.6B | ||
| Q1 25 | $7.0B | $12.5B | ||
| Q4 24 | $6.9B | $12.6B | ||
| Q3 24 | $6.8B | $12.6B | ||
| Q2 24 | $6.8B | $12.6B | ||
| Q1 24 | $6.7B | $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 | $303.8M | $175.0M |
| Free Cash FlowOCF − Capex | $290.1M | $166.2M |
| FCF MarginFCF / Revenue | 17.1% | 14.7% |
| Capex IntensityCapex / Revenue | 0.8% | 0.8% |
| Cash ConversionOCF / Net Profit | 2.99× | — |
| TTM Free Cash FlowTrailing 4 quarters | $287.3M | $553.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $303.8M | $175.0M | ||
| Q3 25 | $197.7M | $139.9M | ||
| Q2 25 | $168.4M | $89.6M | ||
| Q1 25 | $-334.3M | $180.0M | ||
| Q4 24 | $362.6M | $175.1M | ||
| Q3 24 | $-89.9M | $141.9M | ||
| Q2 24 | $61.5M | $22.9M | ||
| Q1 24 | $28.5M | $43.0M |
| Q4 25 | $290.1M | $166.2M | ||
| Q3 25 | $185.8M | $133.4M | ||
| Q2 25 | $156.9M | $82.0M | ||
| Q1 25 | $-345.5M | $172.3M | ||
| Q4 24 | $352.6M | $165.4M | ||
| Q3 24 | $-99.4M | $131.4M | ||
| Q2 24 | $51.2M | $5.2M | ||
| Q1 24 | $19.1M | $27.7M |
| Q4 25 | 17.1% | 14.7% | ||
| Q3 25 | 11.5% | 10.8% | ||
| Q2 25 | 10.3% | 6.7% | ||
| Q1 25 | -24.8% | 14.4% | ||
| Q4 24 | 17.6% | 13.9% | ||
| Q3 24 | -5.7% | 11.1% | ||
| Q2 24 | 3.0% | 0.5% | ||
| Q1 24 | 1.3% | 2.4% |
| Q4 25 | 0.8% | 0.8% | ||
| Q3 25 | 0.7% | 0.5% | ||
| Q2 25 | 0.8% | 0.6% | ||
| Q1 25 | 0.8% | 0.6% | ||
| Q4 24 | 0.5% | 0.8% | ||
| Q3 24 | 0.5% | 0.9% | ||
| Q2 24 | 0.6% | 1.6% | ||
| Q1 24 | 0.6% | 1.3% |
| Q4 25 | 2.99× | — | ||
| Q3 25 | 1.80× | — | ||
| Q2 25 | 1.56× | 1.23× | ||
| Q1 25 | -3.05× | 1.81× | ||
| Q4 24 | 1.90× | 1.80× | ||
| Q3 24 | -0.57× | 1.93× | ||
| Q2 24 | 0.37× | 0.30× | ||
| Q1 24 | 0.21× | 0.60× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
KBH
| Home Building | $1.7B | 99% |
| Financial Service | $8.7M | 1% |
KMPR
| Specialty Property Casualty Insurance Segment | $995.1M | 88% |
| Life Insurance Segment1 | $140.7M | 12% |
