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Side-by-side financial comparison of KEMPER Corp (KMPR) and NCR Atleos Corp (NATL). Click either name above to swap in a different company.
NCR Atleos Corp is the larger business by last-quarter revenue ($1.2B vs $1.1B, roughly 1.0× KEMPER Corp). NCR Atleos Corp runs the higher net margin — 7.2% vs -0.7%, a 7.9% gap on every dollar of revenue. On growth, NCR Atleos Corp posted the faster year-over-year revenue change (4.0% vs -4.7%). NCR Atleos Corp produced more free cash flow last quarter ($194.0M vs $166.2M). Over the past eight quarters, NCR Atleos Corp's revenue compounded faster (4.9% 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.
NCR Voyix Corporation, previously known as NCR Corporation and National Cash Register, is a global software, consulting and technology company providing several professional services and electronic products. It manufactured self-service kiosks, point-of-sale terminals, automated teller machines, check processing systems, and barcode scanners.
KMPR vs NATL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $1.2B |
| Net Profit | $-8.0M | $83.0M |
| Gross Margin | — | — |
| Operating Margin | — | 13.5% |
| Net Margin | -0.7% | 7.2% |
| Revenue YoY | -4.7% | 4.0% |
| Net Profit YoY | -108.2% | 102.4% |
| EPS (diluted) | $-0.03 | $1.09 |
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 | $1.2B | ||
| Q3 25 | $1.2B | $1.1B | ||
| Q2 25 | $1.2B | $1.1B | ||
| Q1 25 | $1.2B | $979.0M | ||
| Q4 24 | $1.2B | $1.1B | ||
| Q3 24 | $1.2B | $1.1B | ||
| Q2 24 | $1.1B | $1.1B | ||
| Q1 24 | $1.1B | $1.0B |
| Q4 25 | $-8.0M | $83.0M | ||
| Q3 25 | $-21.0M | $26.0M | ||
| Q2 25 | $72.6M | $39.0M | ||
| Q1 25 | $99.7M | $14.0M | ||
| Q4 24 | $97.4M | $41.0M | ||
| Q3 24 | $73.7M | $21.0M | ||
| Q2 24 | $75.4M | $27.0M | ||
| Q1 24 | $71.3M | $-9.0M |
| Q4 25 | — | 13.5% | ||
| Q3 25 | — | 9.8% | ||
| Q2 25 | — | 10.8% | ||
| Q1 25 | — | 9.5% | ||
| Q4 24 | — | 13.4% | ||
| Q3 24 | 11.2% | 10.6% | ||
| Q2 24 | 10.1% | 9.8% | ||
| Q1 24 | 7.6% | 6.5% |
| Q4 25 | -0.7% | 7.2% | ||
| Q3 25 | -1.7% | 2.3% | ||
| Q2 25 | 5.9% | 3.5% | ||
| Q1 25 | 8.4% | 1.4% | ||
| Q4 24 | 8.2% | 3.7% | ||
| Q3 24 | 6.3% | 2.0% | ||
| Q2 24 | 6.7% | 2.5% | ||
| Q1 24 | 6.2% | -0.9% |
| Q4 25 | $-0.03 | $1.09 | ||
| Q3 25 | $-0.34 | $0.34 | ||
| Q2 25 | $1.12 | $0.52 | ||
| Q1 25 | $1.54 | $0.19 | ||
| Q4 24 | $1.51 | $0.56 | ||
| Q3 24 | $1.14 | $0.28 | ||
| Q2 24 | $1.16 | $0.37 | ||
| Q1 24 | $1.10 | $-0.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $456.0M |
| Total DebtLower is stronger | $943.5M | $2.7B |
| Stockholders' EquityBook value | $2.7B | $403.0M |
| Total Assets | $12.5B | $5.7B |
| Debt / EquityLower = less leverage | 0.35× | 6.63× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $456.0M | ||
| Q3 25 | $371.2M | $412.0M | ||
| Q2 25 | $407.6M | $357.0M | ||
| Q1 25 | $545.3M | $352.0M | ||
| Q4 24 | $1.0B | $419.0M | ||
| Q3 24 | $696.9M | $395.0M | ||
| Q2 24 | $539.1M | $374.0M | ||
| Q1 24 | $520.7M | $343.0M |
| Q4 25 | $943.5M | $2.7B | ||
| Q3 25 | $943.1M | $2.8B | ||
| Q2 25 | $942.6M | $2.8B | ||
| Q1 25 | $942.1M | — | ||
| Q4 24 | $1.4B | $2.9B | ||
| Q3 24 | $1.4B | — | ||
| Q2 24 | $1.4B | — | ||
| Q1 24 | $1.4B | — |
| Q4 25 | $2.7B | $403.0M | ||
| Q3 25 | $2.7B | $330.0M | ||
| Q2 25 | $370.0M | $350.0M | ||
| Q1 25 | $366.0M | $275.0M | ||
| Q4 24 | $2.8B | $219.0M | ||
| Q3 24 | $2.8B | $264.0M | ||
| Q2 24 | $358.0M | $250.0M | ||
| Q1 24 | $2.6B | $283.0M |
| Q4 25 | $12.5B | $5.7B | ||
| Q3 25 | $12.4B | $5.7B | ||
| Q2 25 | $12.6B | $5.8B | ||
| Q1 25 | $12.5B | $5.7B | ||
| Q4 24 | $12.6B | $5.5B | ||
| Q3 24 | $12.6B | $5.7B | ||
| Q2 24 | $12.6B | $5.8B | ||
| Q1 24 | $12.6B | $5.8B |
| Q4 25 | 0.35× | 6.63× | ||
| Q3 25 | 0.35× | 8.45× | ||
| Q2 25 | 2.55× | 8.05× | ||
| Q1 25 | 2.57× | — | ||
| Q4 24 | 0.50× | 13.05× | ||
| 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 | $231.0M |
| Free Cash FlowOCF − Capex | $166.2M | $194.0M |
| FCF MarginFCF / Revenue | 14.7% | 16.8% |
| Capex IntensityCapex / Revenue | 0.8% | 3.2% |
| Cash ConversionOCF / Net Profit | — | 2.78× |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $239.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $231.0M | ||
| Q3 25 | $139.9M | $25.0M | ||
| Q2 25 | $89.6M | $-23.0M | ||
| Q1 25 | $180.0M | $123.0M | ||
| Q4 24 | $175.1M | $80.0M | ||
| Q3 24 | $141.9M | $107.0M | ||
| Q2 24 | $22.9M | $9.0M | ||
| Q1 24 | $43.0M | $148.0M |
| Q4 25 | $166.2M | $194.0M | ||
| Q3 25 | $133.4M | $-5.0M | ||
| Q2 25 | $82.0M | $-44.0M | ||
| Q1 25 | $172.3M | $94.0M | ||
| Q4 24 | $165.4M | $62.0M | ||
| Q3 24 | $131.4M | $85.0M | ||
| Q2 24 | $5.2M | $-14.0M | ||
| Q1 24 | $27.7M | $124.0M |
| Q4 25 | 14.7% | 16.8% | ||
| Q3 25 | 10.8% | -0.4% | ||
| Q2 25 | 6.7% | -4.0% | ||
| Q1 25 | 14.4% | 9.6% | ||
| Q4 24 | 13.9% | 5.6% | ||
| Q3 24 | 11.1% | 7.9% | ||
| Q2 24 | 0.5% | -1.3% | ||
| Q1 24 | 2.4% | 11.9% |
| Q4 25 | 0.8% | 3.2% | ||
| Q3 25 | 0.5% | 2.7% | ||
| Q2 25 | 0.6% | 1.9% | ||
| Q1 25 | 0.6% | 3.0% | ||
| Q4 24 | 0.8% | 1.6% | ||
| Q3 24 | 0.9% | 2.1% | ||
| Q2 24 | 1.6% | 2.1% | ||
| Q1 24 | 1.3% | 2.3% |
| Q4 25 | — | 2.78× | ||
| Q3 25 | — | 0.96× | ||
| Q2 25 | 1.23× | -0.59× | ||
| Q1 25 | 1.81× | 8.79× | ||
| Q4 24 | 1.80× | 1.95× | ||
| Q3 24 | 1.93× | 5.10× | ||
| Q2 24 | 0.30× | 0.33× | ||
| Q1 24 | 0.60× | — |
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% |
NATL
| Services | $848.0M | 74% |
| APJ | $136.0M | 12% |
| Americas Excluding United States | $135.0M | 12% |
| TT | $44.0M | 4% |
