vs
Side-by-side financial comparison of KEMPER Corp (KMPR) and INSPERITY, INC. (NSP). Click either name above to swap in a different company.
INSPERITY, INC. is the larger business by last-quarter revenue ($1.7B vs $1.1B, roughly 1.5× KEMPER Corp). On growth, INSPERITY, INC. posted the faster year-over-year revenue change (3.4% vs -4.7%). INSPERITY, INC. produced more free cash flow last quarter ($246.0M vs $166.2M). Over the past eight quarters, KEMPER Corp's revenue compounded faster (-0.5% CAGR vs -3.8%).
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.
Insperity, Inc., previously known as Administaff, Inc., is a professional employer organization (PEO) headquartered in Kingwood, an area of Houston, Texas, USA. Insperity provides human resources and administrative services to small and medium-sized businesses. Since 2004, the company has been title sponsor of a professional golf tournament on the Champions Tour, previously known as the Administaff Small Business Classic.
KMPR vs NSP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $1.7B |
| Net Profit | $-8.0M | — |
| Gross Margin | — | 10.3% |
| Operating Margin | — | -2.8% |
| Net Margin | -0.7% | — |
| Revenue YoY | -4.7% | 3.4% |
| Net Profit YoY | -108.2% | — |
| EPS (diluted) | $-0.03 | $-0.87 |
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 | $1.7B | ||
| Q3 25 | $1.2B | $1.6B | ||
| Q2 25 | $1.2B | $1.7B | ||
| Q1 25 | $1.2B | $1.9B | ||
| Q4 24 | $1.2B | $1.6B | ||
| Q3 24 | $1.2B | $1.6B | ||
| Q2 24 | $1.1B | $1.6B | ||
| Q1 24 | $1.1B | $1.8B |
| Q4 25 | $-8.0M | — | ||
| Q3 25 | $-21.0M | $-20.0M | ||
| Q2 25 | $72.6M | $-5.0M | ||
| Q1 25 | $99.7M | $51.0M | ||
| Q4 24 | $97.4M | — | ||
| Q3 24 | $73.7M | $3.0M | ||
| Q2 24 | $75.4M | $18.0M | ||
| Q1 24 | $71.3M | $79.0M |
| Q4 25 | — | 10.3% | ||
| Q3 25 | — | 12.0% | ||
| Q2 25 | — | 13.4% | ||
| Q1 25 | — | 16.6% | ||
| Q4 24 | — | 13.5% | ||
| Q3 24 | — | 14.7% | ||
| Q2 24 | — | 16.2% | ||
| Q1 24 | — | 19.1% |
| Q4 25 | — | -2.8% | ||
| Q3 25 | — | -1.5% | ||
| Q2 25 | — | -0.4% | ||
| Q1 25 | — | 3.7% | ||
| Q4 24 | — | -0.9% | ||
| Q3 24 | 11.2% | 0.1% | ||
| Q2 24 | 10.1% | 1.4% | ||
| Q1 24 | 7.6% | 6.0% |
| Q4 25 | -0.7% | — | ||
| Q3 25 | -1.7% | -1.2% | ||
| Q2 25 | 5.9% | -0.3% | ||
| Q1 25 | 8.4% | 2.7% | ||
| Q4 24 | 8.2% | — | ||
| Q3 24 | 6.3% | 0.2% | ||
| Q2 24 | 6.7% | 1.1% | ||
| Q1 24 | 6.2% | 4.4% |
| Q4 25 | $-0.03 | $-0.87 | ||
| Q3 25 | $-0.34 | $-0.53 | ||
| Q2 25 | $1.12 | $-0.14 | ||
| Q1 25 | $1.54 | $1.35 | ||
| Q4 24 | $1.51 | $-0.21 | ||
| Q3 24 | $1.14 | $0.07 | ||
| Q2 24 | $1.16 | $0.48 | ||
| Q1 24 | $1.10 | $2.08 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $682.0M |
| Total DebtLower is stronger | $943.5M | — |
| Stockholders' EquityBook value | $2.7B | $46.0M |
| Total Assets | $12.5B | $2.2B |
| Debt / EquityLower = less leverage | 0.35× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $682.0M | ||
| Q3 25 | $371.2M | $521.0M | ||
| Q2 25 | $407.6M | $511.0M | ||
| Q1 25 | $545.3M | $684.0M | ||
| Q4 24 | $1.0B | $1.2B | ||
| Q3 24 | $696.9M | $596.0M | ||
| Q2 24 | $539.1M | $850.0M | ||
| Q1 24 | $520.7M | $801.0M |
| 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 | $46.0M | ||
| Q3 25 | $2.7B | $87.0M | ||
| Q2 25 | $370.0M | $112.0M | ||
| Q1 25 | $366.0M | $119.0M | ||
| Q4 24 | $2.8B | $97.0M | ||
| Q3 24 | $2.8B | $125.0M | ||
| Q2 24 | $358.0M | $142.0M | ||
| Q1 24 | $2.6B | $140.0M |
| Q4 25 | $12.5B | $2.2B | ||
| Q3 25 | $12.4B | $2.0B | ||
| Q2 25 | $12.6B | $2.0B | ||
| Q1 25 | $12.5B | $2.1B | ||
| Q4 24 | $12.6B | $2.6B | ||
| Q3 24 | $12.6B | $1.9B | ||
| Q2 24 | $12.6B | $2.1B | ||
| Q1 24 | $12.6B | $2.1B |
| 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 | $255.0M |
| Free Cash FlowOCF − Capex | $166.2M | $246.0M |
| FCF MarginFCF / Revenue | 14.7% | 14.7% |
| Capex IntensityCapex / Revenue | 0.8% | 0.5% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $-309.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $255.0M | ||
| Q3 25 | $139.9M | $-11.0M | ||
| Q2 25 | $89.6M | $-79.0M | ||
| Q1 25 | $180.0M | $-443.0M | ||
| Q4 24 | $175.1M | $619.0M | ||
| Q3 24 | $141.9M | $-150.0M | ||
| Q2 24 | $22.9M | $20.0M | ||
| Q1 24 | $43.0M | $31.0M |
| Q4 25 | $166.2M | $246.0M | ||
| Q3 25 | $133.4M | $-20.0M | ||
| Q2 25 | $82.0M | $-86.0M | ||
| Q1 25 | $172.3M | $-449.0M | ||
| Q4 24 | $165.4M | $606.0M | ||
| Q3 24 | $131.4M | $-164.0M | ||
| Q2 24 | $5.2M | $14.0M | ||
| Q1 24 | $27.7M | $26.0M |
| Q4 25 | 14.7% | 14.7% | ||
| Q3 25 | 10.8% | -1.2% | ||
| Q2 25 | 6.7% | -5.2% | ||
| Q1 25 | 14.4% | -24.1% | ||
| Q4 24 | 13.9% | 37.6% | ||
| Q3 24 | 11.1% | -10.5% | ||
| Q2 24 | 0.5% | 0.9% | ||
| Q1 24 | 2.4% | 1.4% |
| Q4 25 | 0.8% | 0.5% | ||
| Q3 25 | 0.5% | 0.6% | ||
| Q2 25 | 0.6% | 0.4% | ||
| Q1 25 | 0.6% | 0.3% | ||
| Q4 24 | 0.8% | 0.8% | ||
| Q3 24 | 0.9% | 0.9% | ||
| Q2 24 | 1.6% | 0.4% | ||
| Q1 24 | 1.3% | 0.3% |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 1.23× | — | ||
| Q1 25 | 1.81× | -8.69× | ||
| Q4 24 | 1.80× | — | ||
| Q3 24 | 1.93× | -50.00× | ||
| Q2 24 | 0.30× | 1.11× | ||
| Q1 24 | 0.60× | 0.39× |
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% |
NSP
| Northeast | $455.0M | 27% |
| West | $339.0M | 20% |
| Southwest | $317.0M | 19% |
| Central | $299.0M | 18% |
| Southeast | $241.0M | 14% |
| Other Revenues | $17.0M | 1% |
