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Side-by-side financial comparison of KEMPER Corp (KMPR) and Life Time Group Holdings, Inc. (LTH). Click either name above to swap in a different company.
KEMPER Corp is the larger business by last-quarter revenue ($1.1B vs $745.1M, roughly 1.5× Life Time Group Holdings, Inc.). Life Time Group Holdings, Inc. runs the higher net margin — 16.5% vs -0.7%, a 17.2% gap on every dollar of revenue. On growth, Life Time Group Holdings, Inc. posted the faster year-over-year revenue change (12.3% vs -4.7%). KEMPER Corp produced more free cash flow last quarter ($166.2M vs $-64.6M). Over the past eight quarters, Life Time Group Holdings, Inc.'s revenue compounded faster (11.7% CAGR vs -0.5%).
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.
Life Time Group Holdings, Inc. operates a network of premium athletic, fitness and wellness destinations across the United States. It offers diverse services including state-of-the-art gym facilities, group exercise classes, personal training, spa treatments, nutrition coaching, youth programs and co-working spaces for consumers pursuing holistic healthy lifestyles.
KMPR vs LTH — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $745.1M |
| Net Profit | $-8.0M | $123.0M |
| Gross Margin | — | 49.1% |
| Operating Margin | — | 17.4% |
| Net Margin | -0.7% | 16.5% |
| Revenue YoY | -4.7% | 12.3% |
| Net Profit YoY | -108.2% | 231.0% |
| EPS (diluted) | $-0.03 | $0.55 |
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 | $1.1B | $745.1M | ||
| Q3 25 | $1.2B | $782.6M | ||
| Q2 25 | $1.2B | $761.5M | ||
| Q1 25 | $1.2B | $706.0M | ||
| Q4 24 | $1.2B | $663.3M | ||
| Q3 24 | $1.2B | $693.2M | ||
| Q2 24 | $1.1B | $667.8M | ||
| Q1 24 | $1.1B | $596.7M |
| Q4 25 | $-8.0M | $123.0M | ||
| Q3 25 | $-21.0M | $102.4M | ||
| Q2 25 | $72.6M | $72.1M | ||
| Q1 25 | $99.7M | $76.1M | ||
| Q4 24 | $97.4M | $37.2M | ||
| Q3 24 | $73.7M | $41.4M | ||
| Q2 24 | $75.4M | $52.8M | ||
| Q1 24 | $71.3M | $24.9M |
| Q4 25 | — | 49.1% | ||
| Q3 25 | — | 47.1% | ||
| Q2 25 | — | 47.0% | ||
| Q1 25 | — | 47.5% | ||
| Q4 24 | — | 48.2% | ||
| Q3 24 | — | 46.5% | ||
| Q2 24 | — | 46.8% | ||
| Q1 24 | — | 46.1% |
| Q4 25 | — | 17.4% | ||
| Q3 25 | — | 17.3% | ||
| Q2 25 | — | 14.2% | ||
| Q1 25 | — | 15.2% | ||
| Q4 24 | — | 13.1% | ||
| Q3 24 | 11.2% | 13.5% | ||
| Q2 24 | 10.1% | 15.7% | ||
| Q1 24 | 7.6% | 12.1% |
| Q4 25 | -0.7% | 16.5% | ||
| Q3 25 | -1.7% | 13.1% | ||
| Q2 25 | 5.9% | 9.5% | ||
| Q1 25 | 8.4% | 10.8% | ||
| Q4 24 | 8.2% | 5.6% | ||
| Q3 24 | 6.3% | 6.0% | ||
| Q2 24 | 6.7% | 7.9% | ||
| Q1 24 | 6.2% | 4.2% |
| Q4 25 | $-0.03 | $0.55 | ||
| Q3 25 | $-0.34 | $0.45 | ||
| Q2 25 | $1.12 | $0.32 | ||
| Q1 25 | $1.54 | $0.34 | ||
| Q4 24 | $1.51 | $0.17 | ||
| Q3 24 | $1.14 | $0.19 | ||
| Q2 24 | $1.16 | $0.26 | ||
| Q1 24 | $1.10 | $0.12 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $204.8M |
| Total DebtLower is stronger | $943.5M | $1.5B |
| Stockholders' EquityBook value | $2.7B | $3.1B |
| Total Assets | $12.5B | $8.0B |
| Debt / EquityLower = less leverage | 0.35× | 0.48× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $204.8M | ||
| Q3 25 | $371.2M | $218.9M | ||
| Q2 25 | $407.6M | $175.5M | ||
| Q1 25 | $545.3M | $59.0M | ||
| Q4 24 | $1.0B | $10.9M | ||
| Q3 24 | $696.9M | $120.9M | ||
| Q2 24 | $539.1M | $34.5M | ||
| Q1 24 | $520.7M | $18.6M |
| Q4 25 | $943.5M | $1.5B | ||
| Q3 25 | $943.1M | $1.5B | ||
| Q2 25 | $942.6M | $1.5B | ||
| Q1 25 | $942.1M | $1.5B | ||
| Q4 24 | $1.4B | $1.5B | ||
| Q3 24 | $1.4B | $1.7B | ||
| Q2 24 | $1.4B | $1.8B | ||
| Q1 24 | $1.4B | $2.0B |
| Q4 25 | $2.7B | $3.1B | ||
| Q3 25 | $2.7B | $3.0B | ||
| Q2 25 | $370.0M | $2.9B | ||
| Q1 25 | $366.0M | $2.7B | ||
| Q4 24 | $2.8B | $2.6B | ||
| Q3 24 | $2.8B | $2.6B | ||
| Q2 24 | $358.0M | $2.4B | ||
| Q1 24 | $2.6B | $2.3B |
| Q4 25 | $12.5B | $8.0B | ||
| Q3 25 | $12.4B | $7.8B | ||
| Q2 25 | $12.6B | $7.6B | ||
| Q1 25 | $12.5B | $7.3B | ||
| Q4 24 | $12.6B | $7.2B | ||
| Q3 24 | $12.6B | $7.2B | ||
| Q2 24 | $12.6B | $7.1B | ||
| Q1 24 | $12.6B | $7.1B |
| Q4 25 | 0.35× | 0.48× | ||
| Q3 25 | 0.35× | 0.51× | ||
| Q2 25 | 2.55× | 0.53× | ||
| Q1 25 | 2.57× | 0.56× | ||
| Q4 24 | 0.50× | 0.59× | ||
| Q3 24 | 0.50× | 0.64× | ||
| Q2 24 | 3.88× | 0.78× | ||
| Q1 24 | 0.54× | 0.87× |
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 | $175.0M | $239.9M |
| Free Cash FlowOCF − Capex | $166.2M | $-64.6M |
| FCF MarginFCF / Revenue | 14.7% | -8.7% |
| Capex IntensityCapex / Revenue | 0.8% | 40.9% |
| Cash ConversionOCF / Net Profit | — | 1.95× |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $-21.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $239.9M | ||
| Q3 25 | $139.9M | $251.1M | ||
| Q2 25 | $89.6M | $195.7M | ||
| Q1 25 | $180.0M | $183.9M | ||
| Q4 24 | $175.1M | $163.1M | ||
| Q3 24 | $141.9M | $151.1M | ||
| Q2 24 | $22.9M | $170.4M | ||
| Q1 24 | $43.0M | $90.4M |
| Q4 25 | $166.2M | $-64.6M | ||
| Q3 25 | $133.4M | $28.6M | ||
| Q2 25 | $82.0M | $-26.3M | ||
| Q1 25 | $172.3M | $41.4M | ||
| Q4 24 | $165.4M | $26.8M | ||
| Q3 24 | $131.4M | $64.0M | ||
| Q2 24 | $5.2M | $26.1M | ||
| Q1 24 | $27.7M | $-66.4M |
| Q4 25 | 14.7% | -8.7% | ||
| Q3 25 | 10.8% | 3.7% | ||
| Q2 25 | 6.7% | -3.5% | ||
| Q1 25 | 14.4% | 5.9% | ||
| Q4 24 | 13.9% | 4.0% | ||
| Q3 24 | 11.1% | 9.2% | ||
| Q2 24 | 0.5% | 3.9% | ||
| Q1 24 | 2.4% | -11.1% |
| Q4 25 | 0.8% | 40.9% | ||
| Q3 25 | 0.5% | 28.4% | ||
| Q2 25 | 0.6% | 29.2% | ||
| Q1 25 | 0.6% | 20.2% | ||
| Q4 24 | 0.8% | 20.6% | ||
| Q3 24 | 0.9% | 12.6% | ||
| Q2 24 | 1.6% | 21.6% | ||
| Q1 24 | 1.3% | 26.3% |
| Q4 25 | — | 1.95× | ||
| Q3 25 | — | 2.45× | ||
| Q2 25 | 1.23× | 2.71× | ||
| Q1 25 | 1.81× | 2.41× | ||
| Q4 24 | 1.80× | 4.39× | ||
| Q3 24 | 1.93× | 3.65× | ||
| Q2 24 | 0.30× | 3.23× | ||
| Q1 24 | 0.60× | 3.63× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
KMPR
| Specialty Property Casualty Insurance Segment | $995.1M | 88% |
| Life Insurance Segment1 | $140.7M | 12% |
LTH
| Membership | $535.1M | 72% |
| In Center | $191.2M | 26% |
| Other | $18.8M | 3% |
