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Side-by-side financial comparison of KEMPER Corp (KMPR) and Old Dominion (ODFL). Click either name above to swap in a different company.
Old Dominion is the larger business by last-quarter revenue ($1.3B vs $1.1B, roughly 1.2× KEMPER Corp). Old Dominion runs the higher net margin — 17.9% vs -0.7%, a 18.6% gap on every dollar of revenue. On growth, Old Dominion posted the faster year-over-year revenue change (-2.9% vs -4.7%). Over the past eight quarters, KEMPER Corp's revenue compounded faster (-0.5% CAGR vs -5.6%).
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.
Old Dominion Freight Line, Inc. (ODFL) is an American regional, inter-regional and national less than truckload shipping (LTL) company. In addition to its core LTL services, the company offers expedited, logistics and household moving services.
KMPR vs ODFL — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $1.3B |
| Net Profit | $-8.0M | $238.3M |
| Gross Margin | — | — |
| Operating Margin | — | 23.8% |
| Net Margin | -0.7% | 17.9% |
| Revenue YoY | -4.7% | -2.9% |
| Net Profit YoY | -108.2% | -6.4% |
| EPS (diluted) | $-0.03 | $1.14 |
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.
| Q1 26 | — | $1.3B | ||
| Q4 25 | $1.1B | $1.3B | ||
| Q3 25 | $1.2B | $1.4B | ||
| Q2 25 | $1.2B | $1.4B | ||
| Q1 25 | $1.2B | $1.4B | ||
| Q4 24 | $1.2B | $1.4B | ||
| Q3 24 | $1.2B | $1.5B | ||
| Q2 24 | $1.1B | $1.5B |
| Q1 26 | — | $238.3M | ||
| Q4 25 | $-8.0M | $229.5M | ||
| Q3 25 | $-21.0M | $270.9M | ||
| Q2 25 | $72.6M | $268.6M | ||
| Q1 25 | $99.7M | $254.7M | ||
| Q4 24 | $97.4M | $263.1M | ||
| Q3 24 | $73.7M | $308.6M | ||
| Q2 24 | $75.4M | $322.0M |
| Q1 26 | — | 23.8% | ||
| Q4 25 | — | 23.3% | ||
| Q3 25 | — | 25.7% | ||
| Q2 25 | — | 25.4% | ||
| Q1 25 | — | 24.6% | ||
| Q4 24 | — | 24.1% | ||
| Q3 24 | 11.2% | 27.3% | ||
| Q2 24 | 10.1% | 28.1% |
| Q1 26 | — | 17.9% | ||
| Q4 25 | -0.7% | 17.6% | ||
| Q3 25 | -1.7% | 19.3% | ||
| Q2 25 | 5.9% | 19.1% | ||
| Q1 25 | 8.4% | 18.5% | ||
| Q4 24 | 8.2% | 19.0% | ||
| Q3 24 | 6.3% | 21.0% | ||
| Q2 24 | 6.7% | 21.5% |
| Q1 26 | — | $1.14 | ||
| Q4 25 | $-0.03 | $1.10 | ||
| Q3 25 | $-0.34 | $1.28 | ||
| Q2 25 | $1.12 | $1.27 | ||
| Q1 25 | $1.54 | $1.19 | ||
| Q4 24 | $1.51 | $1.23 | ||
| Q3 24 | $1.14 | $1.43 | ||
| Q2 24 | $1.16 | $1.48 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $288.1M |
| Total DebtLower is stronger | $943.5M | $40.0M |
| Stockholders' EquityBook value | $2.7B | $4.4B |
| Total Assets | $12.5B | $5.7B |
| Debt / EquityLower = less leverage | 0.35× | 0.01× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $288.1M | ||
| Q4 25 | — | $120.1M | ||
| Q3 25 | $371.2M | $46.6M | ||
| Q2 25 | $407.6M | $24.1M | ||
| Q1 25 | $545.3M | $97.2M | ||
| Q4 24 | $1.0B | $108.7M | ||
| Q3 24 | $696.9M | $74.2M | ||
| Q2 24 | $539.1M | $104.6M |
| Q1 26 | — | $40.0M | ||
| Q4 25 | $943.5M | $20.0M | ||
| Q3 25 | $943.1M | $65.0M | ||
| Q2 25 | $942.6M | $150.0M | ||
| Q1 25 | $942.1M | $40.0M | ||
| Q4 24 | $1.4B | $40.0M | ||
| Q3 24 | $1.4B | $40.0M | ||
| Q2 24 | $1.4B | $40.0M |
| Q1 26 | — | $4.4B | ||
| Q4 25 | $2.7B | $4.3B | ||
| Q3 25 | $2.7B | $4.3B | ||
| Q2 25 | $370.0M | $4.2B | ||
| Q1 25 | $366.0M | $4.2B | ||
| Q4 24 | $2.8B | $4.2B | ||
| Q3 24 | $2.8B | $4.2B | ||
| Q2 24 | $358.0M | $4.1B |
| Q1 26 | — | $5.7B | ||
| Q4 25 | $12.5B | $5.5B | ||
| Q3 25 | $12.4B | $5.5B | ||
| Q2 25 | $12.6B | $5.6B | ||
| Q1 25 | $12.5B | $5.5B | ||
| Q4 24 | $12.6B | $5.5B | ||
| Q3 24 | $12.6B | $5.4B | ||
| Q2 24 | $12.6B | $5.3B |
| Q1 26 | — | 0.01× | ||
| Q4 25 | 0.35× | 0.00× | ||
| Q3 25 | 0.35× | 0.02× | ||
| Q2 25 | 2.55× | 0.04× | ||
| Q1 25 | 2.57× | 0.01× | ||
| Q4 24 | 0.50× | 0.01× | ||
| Q3 24 | 0.50× | 0.01× | ||
| Q2 24 | 3.88× | 0.01× |
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 | — |
| Free Cash FlowOCF − Capex | $166.2M | — |
| FCF MarginFCF / Revenue | 14.7% | — |
| Capex IntensityCapex / Revenue | 0.8% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $175.0M | $310.3M | ||
| Q3 25 | $139.9M | $437.5M | ||
| Q2 25 | $89.6M | $285.8M | ||
| Q1 25 | $180.0M | $336.5M | ||
| Q4 24 | $175.1M | $401.1M | ||
| Q3 24 | $141.9M | $446.5M | ||
| Q2 24 | $22.9M | $387.9M |
| Q1 26 | — | — | ||
| Q4 25 | $166.2M | $264.5M | ||
| Q3 25 | $133.4M | $343.5M | ||
| Q2 25 | $82.0M | $98.7M | ||
| Q1 25 | $172.3M | $248.4M | ||
| Q4 24 | $165.4M | $230.1M | ||
| Q3 24 | $131.4M | $203.7M | ||
| Q2 24 | $5.2M | $149.7M |
| Q1 26 | — | — | ||
| Q4 25 | 14.7% | 20.2% | ||
| Q3 25 | 10.8% | 24.4% | ||
| Q2 25 | 6.7% | 7.0% | ||
| Q1 25 | 14.4% | 18.1% | ||
| Q4 24 | 13.9% | 16.6% | ||
| Q3 24 | 11.1% | 13.9% | ||
| Q2 24 | 0.5% | 10.0% |
| Q1 26 | — | — | ||
| Q4 25 | 0.8% | 3.5% | ||
| Q3 25 | 0.5% | 6.7% | ||
| Q2 25 | 0.6% | 13.3% | ||
| Q1 25 | 0.6% | 6.4% | ||
| Q4 24 | 0.8% | 12.3% | ||
| Q3 24 | 0.9% | 16.5% | ||
| Q2 24 | 1.6% | 15.9% |
| Q1 26 | — | — | ||
| Q4 25 | — | 1.35× | ||
| Q3 25 | — | 1.61× | ||
| Q2 25 | 1.23× | 1.06× | ||
| Q1 25 | 1.81× | 1.32× | ||
| Q4 24 | 1.80× | 1.52× | ||
| Q3 24 | 1.93× | 1.45× | ||
| Q2 24 | 0.30× | 1.20× |
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% |
ODFL
Segment breakdown not available.
