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Side-by-side financial comparison of KEMPER Corp (KMPR) and M/I HOMES, INC. (MHO). Click either name above to swap in a different company.
M/I HOMES, INC. is the larger business by last-quarter revenue ($1.1B vs $1.1B, roughly 1.0× KEMPER Corp). M/I HOMES, INC. runs the higher net margin — 5.6% vs -0.7%, a 6.3% gap on every dollar of revenue. On growth, KEMPER Corp posted the faster year-over-year revenue change (-4.7% vs -4.8%). KEMPER Corp produced more free cash flow last quarter ($166.2M vs $-13.0M). Over the past eight quarters, M/I HOMES, INC.'s revenue compounded faster (4.7% 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.
M/I Homes, Inc. is a leading U.S. residential construction company that designs, builds and sells single-family homes, townhomes and duplexes across multiple U.S. states. It caters to entry-level, move-up and luxury homebuyers, offering energy-efficient designs, flexible floor plans and personalized customization options.
KMPR vs MHO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $1.1B |
| Net Profit | $-8.0M | $64.0M |
| Gross Margin | — | 17.4% |
| Operating Margin | — | 6.5% |
| Net Margin | -0.7% | 5.6% |
| Revenue YoY | -4.7% | -4.8% |
| Net Profit YoY | -108.2% | -52.1% |
| EPS (diluted) | $-0.03 | $2.42 |
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 | $1.1B | ||
| Q3 25 | $1.2B | $1.1B | ||
| Q2 25 | $1.2B | $1.2B | ||
| Q1 25 | $1.2B | $976.1M | ||
| Q4 24 | $1.2B | $1.2B | ||
| Q3 24 | $1.2B | $1.1B | ||
| Q2 24 | $1.1B | $1.1B | ||
| Q1 24 | $1.1B | $1.0B |
| Q4 25 | $-8.0M | $64.0M | ||
| Q3 25 | $-21.0M | $106.5M | ||
| Q2 25 | $72.6M | $121.2M | ||
| Q1 25 | $99.7M | $111.2M | ||
| Q4 24 | $97.4M | $133.5M | ||
| Q3 24 | $73.7M | $145.4M | ||
| Q2 24 | $75.4M | $146.7M | ||
| Q1 24 | $71.3M | $138.1M |
| Q4 25 | — | 17.4% | ||
| Q3 25 | — | 24.5% | ||
| Q2 25 | — | 24.7% | ||
| Q1 25 | — | 25.9% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 27.1% | ||
| Q2 24 | — | 27.9% | ||
| Q1 24 | — | 27.1% |
| Q4 25 | — | 6.5% | ||
| Q3 25 | — | 12.0% | ||
| Q2 25 | — | 13.4% | ||
| Q1 25 | — | 14.4% | ||
| Q4 24 | — | 13.6% | ||
| Q3 24 | 11.2% | 15.9% | ||
| Q2 24 | 10.1% | 16.8% | ||
| Q1 24 | 7.6% | 16.6% |
| Q4 25 | -0.7% | 5.6% | ||
| Q3 25 | -1.7% | 9.4% | ||
| Q2 25 | 5.9% | 10.4% | ||
| Q1 25 | 8.4% | 11.4% | ||
| Q4 24 | 8.2% | 11.1% | ||
| Q3 24 | 6.3% | 12.7% | ||
| Q2 24 | 6.7% | 13.2% | ||
| Q1 24 | 6.2% | 13.2% |
| Q4 25 | $-0.03 | $2.42 | ||
| Q3 25 | $-0.34 | $3.92 | ||
| Q2 25 | $1.12 | $4.42 | ||
| Q1 25 | $1.54 | $3.98 | ||
| Q4 24 | $1.51 | $4.71 | ||
| Q3 24 | $1.14 | $5.10 | ||
| Q2 24 | $1.16 | $5.12 | ||
| Q1 24 | $1.10 | $4.78 |
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 | $2.7B | $3.2B |
| Total Assets | $12.5B | $4.8B |
| 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 | $2.7B | $3.2B | ||
| Q3 25 | $2.7B | $3.1B | ||
| Q2 25 | $370.0M | $3.1B | ||
| Q1 25 | $366.0M | $3.0B | ||
| Q4 24 | $2.8B | $2.9B | ||
| Q3 24 | $2.8B | $2.8B | ||
| Q2 24 | $358.0M | $2.7B | ||
| Q1 24 | $2.6B | $2.6B |
| Q4 25 | $12.5B | $4.8B | ||
| Q3 25 | $12.4B | $4.8B | ||
| Q2 25 | $12.6B | $4.7B | ||
| Q1 25 | $12.5B | $4.6B | ||
| Q4 24 | $12.6B | $4.5B | ||
| Q3 24 | $12.6B | $4.5B | ||
| Q2 24 | $12.6B | $4.3B | ||
| Q1 24 | $12.6B | $4.2B |
| 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 | $175.0M | $-8.7M |
| Free Cash FlowOCF − Capex | $166.2M | $-13.0M |
| FCF MarginFCF / Revenue | 14.7% | -1.1% |
| Capex IntensityCapex / Revenue | 0.8% | 0.4% |
| Cash ConversionOCF / Net Profit | — | -0.14× |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $127.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $-8.7M | ||
| Q3 25 | $139.9M | $43.4M | ||
| Q2 25 | $89.6M | $37.8M | ||
| Q1 25 | $180.0M | $64.9M | ||
| Q4 24 | $175.1M | $104.4M | ||
| Q3 24 | $141.9M | $-67.9M | ||
| Q2 24 | $22.9M | $27.5M | ||
| Q1 24 | $43.0M | $115.8M |
| Q4 25 | $166.2M | $-13.0M | ||
| Q3 25 | $133.4M | $42.0M | ||
| Q2 25 | $82.0M | $35.1M | ||
| Q1 25 | $172.3M | $63.5M | ||
| Q4 24 | $165.4M | $102.3M | ||
| Q3 24 | $131.4M | $-68.5M | ||
| Q2 24 | $5.2M | $22.0M | ||
| Q1 24 | $27.7M | $115.5M |
| Q4 25 | 14.7% | -1.1% | ||
| Q3 25 | 10.8% | 3.7% | ||
| Q2 25 | 6.7% | 3.0% | ||
| Q1 25 | 14.4% | 6.5% | ||
| Q4 24 | 13.9% | 8.5% | ||
| Q3 24 | 11.1% | -6.0% | ||
| Q2 24 | 0.5% | 2.0% | ||
| Q1 24 | 2.4% | 11.0% |
| Q4 25 | 0.8% | 0.4% | ||
| Q3 25 | 0.5% | 0.1% | ||
| Q2 25 | 0.6% | 0.2% | ||
| Q1 25 | 0.6% | 0.1% | ||
| Q4 24 | 0.8% | 0.2% | ||
| Q3 24 | 0.9% | 0.1% | ||
| Q2 24 | 1.6% | 0.5% | ||
| Q1 24 | 1.3% | 0.0% |
| Q4 25 | — | -0.14× | ||
| Q3 25 | — | 0.41× | ||
| Q2 25 | 1.23× | 0.31× | ||
| Q1 25 | 1.81× | 0.58× | ||
| Q4 24 | 1.80× | 0.78× | ||
| Q3 24 | 1.93× | -0.47× | ||
| Q2 24 | 0.30× | 0.19× | ||
| Q1 24 | 0.60× | 0.84× |
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% |
MHO
| Southern Homebuilding | $615.6M | 54% |
| Northern Homebuilding | $503.9M | 44% |
| Financial Service | $27.8M | 2% |
| Land | $4.7M | 0% |
