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Side-by-side financial comparison of KEMPER Corp (KMPR) and North American Construction Group Ltd. (NOA). Click either name above to swap in a different company.
KEMPER Corp is the larger business by last-quarter revenue ($1.1B vs $860.2M, roughly 1.3× North American Construction Group Ltd.). North American Construction Group Ltd. runs the higher net margin — 4.7% vs -0.7%, a 5.4% gap on every dollar of revenue. Over the past eight quarters, North American Construction Group Ltd.'s revenue compounded faster (58.0% 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.
Shanghai Construction (Group) Corporation (SCG) is a Chinese construction and engineering company, ranked as the 16th largest construction company in the world based on 2011 revenues.
KMPR vs NOA — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $860.2M |
| Net Profit | $-8.0M | $40.5M |
| Gross Margin | — | 19.7% |
| Operating Margin | — | 15.4% |
| Net Margin | -0.7% | 4.7% |
| Revenue YoY | -4.7% | — |
| Net Profit YoY | -108.2% | — |
| EPS (diluted) | $-0.03 | — |
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 | — | ||
| Q3 25 | $1.2B | $860.2M | ||
| Q2 25 | $1.2B | $573.3M | ||
| Q1 25 | $1.2B | $297.0M | ||
| Q4 24 | $1.2B | — | ||
| Q3 24 | $1.2B | $636.4M | ||
| Q2 24 | $1.1B | $439.5M | ||
| Q1 24 | $1.1B | $244.3M |
| Q4 25 | $-8.0M | — | ||
| Q3 25 | $-21.0M | $40.5M | ||
| Q2 25 | $72.6M | $26.0M | ||
| Q1 25 | $99.7M | $11.5M | ||
| Q4 24 | $97.4M | — | ||
| Q3 24 | $73.7M | $45.5M | ||
| Q2 24 | $75.4M | $34.1M | ||
| Q1 24 | $71.3M | $21.8M |
| Q4 25 | — | — | ||
| Q3 25 | — | 19.7% | ||
| Q2 25 | — | 18.1% | ||
| Q1 25 | — | 18.0% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 14.0% | ||
| Q2 24 | — | 14.3% | ||
| Q1 24 | — | 16.8% |
| Q4 25 | — | — | ||
| Q3 25 | — | 15.4% | ||
| Q2 25 | — | 13.6% | ||
| Q1 25 | — | 13.0% | ||
| Q4 24 | — | — | ||
| Q3 24 | 11.2% | 7.9% | ||
| Q2 24 | 10.1% | 8.2% | ||
| Q1 24 | 7.6% | 10.5% |
| Q4 25 | -0.7% | — | ||
| Q3 25 | -1.7% | 4.7% | ||
| Q2 25 | 5.9% | 4.5% | ||
| Q1 25 | 8.4% | 3.9% | ||
| Q4 24 | 8.2% | — | ||
| Q3 24 | 6.3% | 7.1% | ||
| Q2 24 | 6.7% | 7.8% | ||
| Q1 24 | 6.2% | 8.9% |
| Q4 25 | $-0.03 | — | ||
| Q3 25 | $-0.34 | — | ||
| Q2 25 | $1.12 | — | ||
| Q1 25 | $1.54 | — | ||
| Q4 24 | $1.51 | — | ||
| Q3 24 | $1.14 | — | ||
| Q2 24 | $1.16 | — | ||
| Q1 24 | $1.10 | — |
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 | — |
| Total Assets | $12.5B | $1.7B |
| 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 | — | ||
| Q3 25 | $2.7B | — | ||
| Q2 25 | $370.0M | — | ||
| Q1 25 | $366.0M | — | ||
| Q4 24 | $2.8B | — | ||
| Q3 24 | $2.8B | — | ||
| Q2 24 | $358.0M | — | ||
| Q1 24 | $2.6B | — |
| Q4 25 | $12.5B | — | ||
| Q3 25 | $12.4B | $1.7B | ||
| Q2 25 | $12.6B | $1.7B | ||
| Q1 25 | $12.5B | $1.7B | ||
| Q4 24 | $12.6B | — | ||
| Q3 24 | $12.6B | $1.5B | ||
| Q2 24 | $12.6B | $1.5B | ||
| Q1 24 | $12.6B | $1.5B |
| 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 | $140.7M |
| Free Cash FlowOCF − Capex | $166.2M | — |
| FCF MarginFCF / Revenue | 14.7% | — |
| Capex IntensityCapex / Revenue | 0.8% | — |
| Cash ConversionOCF / Net Profit | — | 3.47× |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | — | ||
| Q3 25 | $139.9M | $140.7M | ||
| Q2 25 | $89.6M | $85.4M | ||
| Q1 25 | $180.0M | $19.0M | ||
| Q4 24 | $175.1M | — | ||
| Q3 24 | $141.9M | $109.5M | ||
| Q2 24 | $22.9M | $72.0M | ||
| Q1 24 | $43.0M | $31.8M |
| Q4 25 | $166.2M | — | ||
| Q3 25 | $133.4M | — | ||
| Q2 25 | $82.0M | — | ||
| Q1 25 | $172.3M | — | ||
| Q4 24 | $165.4M | — | ||
| Q3 24 | $131.4M | — | ||
| Q2 24 | $5.2M | — | ||
| Q1 24 | $27.7M | — |
| Q4 25 | 14.7% | — | ||
| Q3 25 | 10.8% | — | ||
| Q2 25 | 6.7% | — | ||
| Q1 25 | 14.4% | — | ||
| Q4 24 | 13.9% | — | ||
| Q3 24 | 11.1% | — | ||
| Q2 24 | 0.5% | — | ||
| Q1 24 | 2.4% | — |
| Q4 25 | 0.8% | — | ||
| Q3 25 | 0.5% | — | ||
| Q2 25 | 0.6% | — | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 0.8% | — | ||
| Q3 24 | 0.9% | — | ||
| Q2 24 | 1.6% | — | ||
| Q1 24 | 1.3% | — |
| Q4 25 | — | — | ||
| Q3 25 | — | 3.47× | ||
| Q2 25 | 1.23× | 3.28× | ||
| Q1 25 | 1.81× | 1.65× | ||
| Q4 24 | 1.80× | — | ||
| Q3 24 | 1.93× | 2.41× | ||
| Q2 24 | 0.30× | 2.11× | ||
| Q1 24 | 0.60× | 1.46× |
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% |
NOA
Segment breakdown not available.
