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Side-by-side financial comparison of KEMPER Corp (KMPR) and PACS Group, Inc. (PACS). Click either name above to swap in a different company.
PACS Group, Inc. is the larger business by last-quarter revenue ($1.4B vs $1.1B, roughly 1.2× KEMPER Corp). PACS Group, Inc. runs the higher net margin — 4.4% vs -0.7%, a 5.1% gap on every dollar of revenue. On growth, PACS Group, Inc. posted the faster year-over-year revenue change (18.4% vs -4.7%). Over the past eight quarters, PACS Group, Inc.'s revenue compounded faster (20.5% 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.
KMPR vs PACS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $1.4B |
| Net Profit | $-8.0M | $59.7M |
| Gross Margin | — | — |
| Operating Margin | — | 7.0% |
| Net Margin | -0.7% | 4.4% |
| Revenue YoY | -4.7% | 18.4% |
| Net Profit YoY | -108.2% | 3022.5% |
| EPS (diluted) | $-0.03 | $0.42 |
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 | $1.4B | ||
| Q3 25 | $1.2B | $1.3B | ||
| Q2 25 | $1.2B | $1.3B | ||
| Q1 25 | $1.2B | $1.3B | ||
| Q4 24 | $1.2B | $1.1B | ||
| Q3 24 | $1.2B | $1.0B | ||
| Q2 24 | $1.1B | $981.4M | ||
| Q1 24 | $1.1B | $934.3M |
| Q4 25 | $-8.0M | $59.7M | ||
| Q3 25 | $-21.0M | $52.4M | ||
| Q2 25 | $72.6M | $51.0M | ||
| Q1 25 | $99.7M | $28.5M | ||
| Q4 24 | $97.4M | $1.9M | ||
| Q3 24 | $73.7M | $15.6M | ||
| Q2 24 | $75.4M | $-10.9M | ||
| Q1 24 | $71.3M | $49.1M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 17.1% | ||
| Q2 24 | — | 22.3% | ||
| Q1 24 | — | 21.2% |
| Q4 25 | — | 7.0% | ||
| Q3 25 | — | 6.4% | ||
| Q2 25 | — | 6.2% | ||
| Q1 25 | — | 3.8% | ||
| Q4 24 | — | 1.7% | ||
| Q3 24 | 11.2% | 2.2% | ||
| Q2 24 | 10.1% | 0.1% | ||
| Q1 24 | 7.6% | 8.6% |
| Q4 25 | -0.7% | 4.4% | ||
| Q3 25 | -1.7% | 3.9% | ||
| Q2 25 | 5.9% | 3.9% | ||
| Q1 25 | 8.4% | 2.2% | ||
| Q4 24 | 8.2% | 0.2% | ||
| Q3 24 | 6.3% | 1.5% | ||
| Q2 24 | 6.7% | -1.1% | ||
| Q1 24 | 6.2% | 5.3% |
| Q4 25 | $-0.03 | $0.42 | ||
| Q3 25 | $-0.34 | $0.32 | ||
| Q2 25 | $1.12 | $0.31 | ||
| Q1 25 | $1.54 | $0.17 | ||
| Q4 24 | $1.51 | $-0.03 | ||
| Q3 24 | $1.14 | $0.10 | ||
| Q2 24 | $1.16 | $-0.07 | ||
| Q1 24 | $1.10 | $0.38 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $197.0M |
| Total DebtLower is stronger | $943.5M | $353.2M |
| Stockholders' EquityBook value | $2.7B | $946.8M |
| Total Assets | $12.5B | $5.6B |
| Debt / EquityLower = less leverage | 0.35× | 0.37× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $197.0M | ||
| Q3 25 | $371.2M | $355.7M | ||
| Q2 25 | $407.6M | $294.2M | ||
| Q1 25 | $545.3M | $287.5M | ||
| Q4 24 | $1.0B | $157.7M | ||
| Q3 24 | $696.9M | $49.5M | ||
| Q2 24 | $539.1M | $73.4M | ||
| Q1 24 | $520.7M | $81.2M |
| Q4 25 | $943.5M | $353.2M | ||
| Q3 25 | $943.1M | — | ||
| Q2 25 | $942.6M | — | ||
| Q1 25 | $942.1M | — | ||
| Q4 24 | $1.4B | $411.9M | ||
| Q3 24 | $1.4B | — | ||
| Q2 24 | $1.4B | — | ||
| Q1 24 | $1.4B | — |
| Q4 25 | $2.7B | $946.8M | ||
| Q3 25 | $2.7B | $871.3M | ||
| Q2 25 | $370.0M | $806.8M | ||
| Q1 25 | $366.0M | $750.2M | ||
| Q4 24 | $2.8B | $709.6M | ||
| Q3 24 | $2.8B | $660.0M | ||
| Q2 24 | $358.0M | $572.1M | ||
| Q1 24 | $2.6B | $128.0M |
| Q4 25 | $12.5B | $5.6B | ||
| Q3 25 | $12.4B | $5.6B | ||
| Q2 25 | $12.6B | $5.5B | ||
| Q1 25 | $12.5B | $5.5B | ||
| Q4 24 | $12.6B | $5.2B | ||
| Q3 24 | $12.6B | $4.5B | ||
| Q2 24 | $12.6B | $3.9B | ||
| Q1 24 | $12.6B | $3.9B |
| Q4 25 | 0.35× | 0.37× | ||
| Q3 25 | 0.35× | — | ||
| Q2 25 | 2.55× | — | ||
| Q1 25 | 2.57× | — | ||
| Q4 24 | 0.50× | 0.58× | ||
| 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 | $-3.4M |
| Free Cash FlowOCF − Capex | $166.2M | — |
| FCF MarginFCF / Revenue | 14.7% | — |
| Capex IntensityCapex / Revenue | 0.8% | — |
| Cash ConversionOCF / Net Profit | — | -0.06× |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $-3.4M | ||
| Q3 25 | $139.9M | $204.8M | ||
| Q2 25 | $89.6M | $52.6M | ||
| Q1 25 | $180.0M | $150.2M | ||
| Q4 24 | $175.1M | $64.6M | ||
| Q3 24 | $141.9M | $209.2M | ||
| Q2 24 | $22.9M | $34.8M | ||
| Q1 24 | $43.0M | $58.8M |
| 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 | — | -0.06× | ||
| Q3 25 | — | 3.91× | ||
| Q2 25 | 1.23× | 1.03× | ||
| Q1 25 | 1.81× | 5.28× | ||
| Q4 24 | 1.80× | 33.78× | ||
| Q3 24 | 1.93× | 13.39× | ||
| Q2 24 | 0.30× | — | ||
| Q1 24 | 0.60× | 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% |
PACS
Segment breakdown not available.
