vs
Side-by-side financial comparison of KEMPER Corp (KMPR) and MODINE MANUFACTURING CO (MOD). Click either name above to swap in a different company.
KEMPER Corp is the larger business by last-quarter revenue ($1.1B vs $805.0M, roughly 1.4× MODINE MANUFACTURING CO). KEMPER Corp runs the higher net margin — -0.7% vs -5.9%, a 5.2% gap on every dollar of revenue. On growth, MODINE MANUFACTURING CO posted the faster year-over-year revenue change (30.5% vs -4.7%). KEMPER Corp produced more free cash flow last quarter ($166.2M vs $-17.1M). Over the past eight quarters, MODINE MANUFACTURING CO's revenue compounded faster (15.5% 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.
Modine Manufacturing is a thermal management company established in 1916 in the United States. The company started as Modine Manufacturing Company by Arthur B Modine who patented the Spirex radiator for tractors. The Modine company manufactured the Turbotube radiator for Ford Model T cars. The company built the world's first vehicular wind tunnel in Racine, Wisconsin in 1941. During WWII, Modine manufactured aftercoolers for the P-51 Mustang fighter plane. After WWII, Modine introduced the Ai...
KMPR vs MOD — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $805.0M |
| Net Profit | $-8.0M | $-47.4M |
| Gross Margin | — | 23.1% |
| Operating Margin | — | 11.1% |
| Net Margin | -0.7% | -5.9% |
| Revenue YoY | -4.7% | 30.5% |
| Net Profit YoY | -108.2% | -215.6% |
| EPS (diluted) | $-0.03 | $-0.90 |
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 | $805.0M | ||
| Q3 25 | $1.2B | $738.9M | ||
| Q2 25 | $1.2B | $682.8M | ||
| Q1 25 | $1.2B | $647.2M | ||
| Q4 24 | $1.2B | $616.8M | ||
| Q3 24 | $1.2B | $658.0M | ||
| Q2 24 | $1.1B | $661.5M | ||
| Q1 24 | $1.1B | $603.5M |
| Q4 25 | $-8.0M | $-47.4M | ||
| Q3 25 | $-21.0M | $44.4M | ||
| Q2 25 | $72.6M | $51.2M | ||
| Q1 25 | $99.7M | $49.6M | ||
| Q4 24 | $97.4M | $41.0M | ||
| Q3 24 | $73.7M | $46.1M | ||
| Q2 24 | $75.4M | $47.3M | ||
| Q1 24 | $71.3M | $25.8M |
| Q4 25 | — | 23.1% | ||
| Q3 25 | — | 22.3% | ||
| Q2 25 | — | 24.2% | ||
| Q1 25 | — | 25.6% | ||
| Q4 24 | — | 24.3% | ||
| Q3 24 | — | 25.2% | ||
| Q2 24 | — | 24.6% | ||
| Q1 24 | — | 22.4% |
| Q4 25 | — | 11.1% | ||
| Q3 25 | — | 9.9% | ||
| Q2 25 | — | 11.1% | ||
| Q1 25 | — | 11.5% | ||
| Q4 24 | — | 9.6% | ||
| Q3 24 | 11.2% | 11.4% | ||
| Q2 24 | 10.1% | 11.2% | ||
| Q1 24 | 7.6% | 7.8% |
| Q4 25 | -0.7% | -5.9% | ||
| Q3 25 | -1.7% | 6.0% | ||
| Q2 25 | 5.9% | 7.5% | ||
| Q1 25 | 8.4% | 7.7% | ||
| Q4 24 | 8.2% | 6.6% | ||
| Q3 24 | 6.3% | 7.0% | ||
| Q2 24 | 6.7% | 7.2% | ||
| Q1 24 | 6.2% | 4.3% |
| Q4 25 | $-0.03 | $-0.90 | ||
| Q3 25 | $-0.34 | $0.83 | ||
| Q2 25 | $1.12 | $0.95 | ||
| Q1 25 | $1.54 | $0.92 | ||
| Q4 24 | $1.51 | $0.76 | ||
| Q3 24 | $1.14 | $0.86 | ||
| Q2 24 | $1.16 | $0.88 | ||
| Q1 24 | $1.10 | $0.48 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $98.7M |
| Total DebtLower is stronger | $943.5M | $570.7M |
| Stockholders' EquityBook value | $2.7B | $1.1B |
| Total Assets | $12.5B | $2.5B |
| Debt / EquityLower = less leverage | 0.35× | 0.51× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $98.7M | ||
| Q3 25 | $371.2M | $83.8M | ||
| Q2 25 | $407.6M | $124.5M | ||
| Q1 25 | $545.3M | $71.6M | ||
| Q4 24 | $1.0B | $83.8M | ||
| Q3 24 | $696.9M | $78.6M | ||
| Q2 24 | $539.1M | $72.9M | ||
| Q1 24 | $520.7M | $60.1M |
| Q4 25 | $943.5M | $570.7M | ||
| Q3 25 | $943.1M | $525.8M | ||
| Q2 25 | $942.6M | $482.1M | ||
| Q1 25 | $942.1M | $296.7M | ||
| Q4 24 | $1.4B | $330.0M | ||
| Q3 24 | $1.4B | $359.1M | ||
| Q2 24 | $1.4B | $405.7M | ||
| Q1 24 | $1.4B | $399.9M |
| Q4 25 | $2.7B | $1.1B | ||
| Q3 25 | $2.7B | $1.1B | ||
| Q2 25 | $370.0M | $1.0B | ||
| Q1 25 | $366.0M | $910.2M | ||
| Q4 24 | $2.8B | $855.1M | ||
| Q3 24 | $2.8B | $858.8M | ||
| Q2 24 | $358.0M | $788.4M | ||
| Q1 24 | $2.6B | $747.6M |
| Q4 25 | $12.5B | $2.5B | ||
| Q3 25 | $12.4B | $2.4B | ||
| Q2 25 | $12.6B | $2.2B | ||
| Q1 25 | $12.5B | $1.9B | ||
| Q4 24 | $12.6B | $1.8B | ||
| Q3 24 | $12.6B | $1.9B | ||
| Q2 24 | $12.6B | $1.9B | ||
| Q1 24 | $12.6B | $1.9B |
| Q4 25 | 0.35× | 0.51× | ||
| Q3 25 | 0.35× | 0.50× | ||
| Q2 25 | 2.55× | 0.48× | ||
| Q1 25 | 2.57× | 0.33× | ||
| Q4 24 | 0.50× | 0.39× | ||
| Q3 24 | 0.50× | 0.42× | ||
| Q2 24 | 3.88× | 0.51× | ||
| Q1 24 | 0.54× | 0.53× |
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 | $24.7M |
| Free Cash FlowOCF − Capex | $166.2M | $-17.1M |
| FCF MarginFCF / Revenue | 14.7% | -2.1% |
| Capex IntensityCapex / Revenue | 0.8% | 5.2% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $-20.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $24.7M | ||
| Q3 25 | $139.9M | $1.4M | ||
| Q2 25 | $89.6M | $27.7M | ||
| Q1 25 | $180.0M | $54.8M | ||
| Q4 24 | $175.1M | $60.7M | ||
| Q3 24 | $141.9M | $57.3M | ||
| Q2 24 | $22.9M | $40.5M | ||
| Q1 24 | $43.0M | $39.6M |
| Q4 25 | $166.2M | $-17.1M | ||
| Q3 25 | $133.4M | $-30.5M | ||
| Q2 25 | $82.0M | $200.0K | ||
| Q1 25 | $172.3M | $27.1M | ||
| Q4 24 | $165.4M | $44.7M | ||
| Q3 24 | $131.4M | $43.8M | ||
| Q2 24 | $5.2M | $13.7M | ||
| Q1 24 | $27.7M | $-4.3M |
| Q4 25 | 14.7% | -2.1% | ||
| Q3 25 | 10.8% | -4.1% | ||
| Q2 25 | 6.7% | 0.0% | ||
| Q1 25 | 14.4% | 4.2% | ||
| Q4 24 | 13.9% | 7.2% | ||
| Q3 24 | 11.1% | 6.7% | ||
| Q2 24 | 0.5% | 2.1% | ||
| Q1 24 | 2.4% | -0.7% |
| Q4 25 | 0.8% | 5.2% | ||
| Q3 25 | 0.5% | 4.3% | ||
| Q2 25 | 0.6% | 4.0% | ||
| Q1 25 | 0.6% | 4.3% | ||
| Q4 24 | 0.8% | 2.6% | ||
| Q3 24 | 0.9% | 2.1% | ||
| Q2 24 | 1.6% | 4.1% | ||
| Q1 24 | 1.3% | 7.3% |
| Q4 25 | — | — | ||
| Q3 25 | — | 0.03× | ||
| Q2 25 | 1.23× | 0.54× | ||
| Q1 25 | 1.81× | 1.10× | ||
| Q4 24 | 1.80× | 1.48× | ||
| Q3 24 | 1.93× | 1.24× | ||
| Q2 24 | 0.30× | 0.86× | ||
| Q1 24 | 0.60× | 1.53× |
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% |
MOD
| Data Centers | $296.9M | 37% |
| Performance Technologies | $266.0M | 33% |
| Hvac Technologies | $107.1M | 13% |
| Air Cooled | $92.4M | 11% |
| Lb White | $25.6M | 3% |
| Climate By Design | $10.2M | 1% |
| Absolutaire | $7.0M | 1% |
