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Side-by-side financial comparison of KEMPER Corp (KMPR) and MERCURY GENERAL CORP (MCY). Click either name above to swap in a different company.
MERCURY GENERAL CORP is the larger business by last-quarter revenue ($1.5B vs $1.1B, roughly 1.4× KEMPER Corp). MERCURY GENERAL CORP runs the higher net margin — 13.2% vs -0.7%, a 13.9% gap on every dollar of revenue. On growth, MERCURY GENERAL CORP posted the faster year-over-year revenue change (12.4% vs -4.7%). MERCURY GENERAL CORP produced more free cash flow last quarter ($273.9M vs $166.2M). Over the past eight quarters, MERCURY GENERAL CORP's revenue compounded faster (9.8% 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.
Mercury General Corporation is a multiple-line insurance organization that offers personal automobiles, homeowners, renters, and business insurance. Mercury's primary focus is automobiles and homeowners' insurance.
KMPR vs MCY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $1.5B |
| Net Profit | $-8.0M | $202.5M |
| Gross Margin | — | 99.7% |
| Operating Margin | — | 16.2% |
| Net Margin | -0.7% | 13.2% |
| Revenue YoY | -4.7% | 12.4% |
| Net Profit YoY | -108.2% | 100.4% |
| EPS (diluted) | $-0.03 | $3.66 |
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 | $1.5B | ||
| Q3 25 | $1.2B | $1.6B | ||
| Q2 25 | $1.2B | $1.5B | ||
| Q1 25 | $1.2B | $1.4B | ||
| Q4 24 | $1.2B | $1.4B | ||
| Q3 24 | $1.2B | $1.5B | ||
| Q2 24 | $1.1B | $1.3B | ||
| Q1 24 | $1.1B | $1.3B |
| Q4 25 | $-8.0M | $202.5M | ||
| Q3 25 | $-21.0M | $280.4M | ||
| Q2 25 | $72.6M | $166.5M | ||
| Q1 25 | $99.7M | $-108.3M | ||
| Q4 24 | $97.4M | $101.1M | ||
| Q3 24 | $73.7M | $230.9M | ||
| Q2 24 | $75.4M | $62.6M | ||
| Q1 24 | $71.3M | $73.5M |
| Q4 25 | — | 99.7% | ||
| Q3 25 | — | 99.8% | ||
| Q2 25 | — | 99.8% | ||
| Q1 25 | — | 99.7% | ||
| Q4 24 | — | 99.7% | ||
| Q3 24 | — | 99.8% | ||
| Q2 24 | — | 99.8% | ||
| Q1 24 | — | 99.7% |
| Q4 25 | — | 16.2% | ||
| Q3 25 | — | 22.1% | ||
| Q2 25 | — | 14.0% | ||
| Q1 25 | — | -10.2% | ||
| Q4 24 | — | 9.0% | ||
| Q3 24 | 11.2% | 18.8% | ||
| Q2 24 | 10.1% | 5.8% | ||
| Q1 24 | 7.6% | 7.0% |
| Q4 25 | -0.7% | 13.2% | ||
| Q3 25 | -1.7% | 17.7% | ||
| Q2 25 | 5.9% | 11.3% | ||
| Q1 25 | 8.4% | -7.8% | ||
| Q4 24 | 8.2% | 7.4% | ||
| Q3 24 | 6.3% | 15.1% | ||
| Q2 24 | 6.7% | 4.8% | ||
| Q1 24 | 6.2% | 5.8% |
| Q4 25 | $-0.03 | $3.66 | ||
| Q3 25 | $-0.34 | $5.06 | ||
| Q2 25 | $1.12 | $3.01 | ||
| Q1 25 | $1.54 | $-1.96 | ||
| Q4 24 | $1.51 | $1.82 | ||
| Q3 24 | $1.14 | $4.17 | ||
| Q2 24 | $1.16 | $1.13 | ||
| Q1 24 | $1.10 | $1.33 |
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 | $575.0M |
| Stockholders' EquityBook value | $2.7B | $2.4B |
| Total Assets | $12.5B | $9.6B |
| Debt / EquityLower = less leverage | 0.35× | 0.24× |
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 | $575.0M | ||
| Q3 25 | $943.1M | — | ||
| Q2 25 | $942.6M | — | ||
| Q1 25 | $942.1M | — | ||
| Q4 24 | $1.4B | $575.0M | ||
| Q3 24 | $1.4B | — | ||
| Q2 24 | $1.4B | — | ||
| Q1 24 | $1.4B | — |
| Q4 25 | $2.7B | $2.4B | ||
| Q3 25 | $2.7B | $2.2B | ||
| Q2 25 | $370.0M | $2.0B | ||
| Q1 25 | $366.0M | $1.8B | ||
| Q4 24 | $2.8B | $1.9B | ||
| Q3 24 | $2.8B | $1.9B | ||
| Q2 24 | $358.0M | $1.6B | ||
| Q1 24 | $2.6B | $1.6B |
| Q4 25 | $12.5B | $9.6B | ||
| Q3 25 | $12.4B | $9.4B | ||
| Q2 25 | $12.6B | $9.1B | ||
| Q1 25 | $12.5B | $9.0B | ||
| Q4 24 | $12.6B | $8.3B | ||
| Q3 24 | $12.6B | $8.2B | ||
| Q2 24 | $12.6B | $7.7B | ||
| Q1 24 | $12.6B | $7.4B |
| Q4 25 | 0.35× | 0.24× | ||
| Q3 25 | 0.35× | — | ||
| Q2 25 | 2.55× | — | ||
| Q1 25 | 2.57× | — | ||
| Q4 24 | 0.50× | 0.30× | ||
| 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 | $175.0M | $287.9M |
| Free Cash FlowOCF − Capex | $166.2M | $273.9M |
| FCF MarginFCF / Revenue | 14.7% | 17.8% |
| Capex IntensityCapex / Revenue | 0.8% | 0.9% |
| Cash ConversionOCF / Net Profit | — | 1.42× |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $1.0B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $287.9M | ||
| Q3 25 | $139.9M | $496.4M | ||
| Q2 25 | $89.6M | $371.6M | ||
| Q1 25 | $180.0M | $-68.7M | ||
| Q4 24 | $175.1M | $248.3M | ||
| Q3 24 | $141.9M | $318.1M | ||
| Q2 24 | $22.9M | $278.0M | ||
| Q1 24 | $43.0M | $192.6M |
| Q4 25 | $166.2M | $273.9M | ||
| Q3 25 | $133.4M | $479.5M | ||
| Q2 25 | $82.0M | $357.2M | ||
| Q1 25 | $172.3M | $-81.9M | ||
| Q4 24 | $165.4M | $236.0M | ||
| Q3 24 | $131.4M | $306.2M | ||
| Q2 24 | $5.2M | $266.5M | ||
| Q1 24 | $27.7M | $182.4M |
| Q4 25 | 14.7% | 17.8% | ||
| Q3 25 | 10.8% | 30.3% | ||
| Q2 25 | 6.7% | 24.2% | ||
| Q1 25 | 14.4% | -5.9% | ||
| Q4 24 | 13.9% | 17.3% | ||
| Q3 24 | 11.1% | 20.0% | ||
| Q2 24 | 0.5% | 20.4% | ||
| Q1 24 | 2.4% | 14.3% |
| Q4 25 | 0.8% | 0.9% | ||
| Q3 25 | 0.5% | 1.1% | ||
| Q2 25 | 0.6% | 1.0% | ||
| Q1 25 | 0.6% | 0.9% | ||
| Q4 24 | 0.8% | 0.9% | ||
| Q3 24 | 0.9% | 0.8% | ||
| Q2 24 | 1.6% | 0.9% | ||
| Q1 24 | 1.3% | 0.8% |
| Q4 25 | — | 1.42× | ||
| Q3 25 | — | 1.77× | ||
| Q2 25 | 1.23× | 2.23× | ||
| Q1 25 | 1.81× | — | ||
| Q4 24 | 1.80× | 2.46× | ||
| Q3 24 | 1.93× | 1.38× | ||
| Q2 24 | 0.30× | 4.44× | ||
| Q1 24 | 0.60× | 2.62× |
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% |
MCY
Segment breakdown not available.
