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Side-by-side financial comparison of KEMPER Corp (KMPR) and Palomar Holdings, Inc. (PLMR). Click either name above to swap in a different company.
KEMPER Corp is the larger business by last-quarter revenue ($1.1B vs $253.4M, roughly 4.5× Palomar Holdings, Inc.). On growth, Palomar Holdings, Inc. posted the faster year-over-year revenue change (62.7% vs -4.7%). Palomar Holdings, Inc. produced more free cash flow last quarter ($409.0M vs $166.2M). Over the past eight quarters, Palomar Holdings, Inc.'s revenue compounded faster (46.2% 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.
Palomar Holdings, Inc. is a specialty insurance holding company that primarily provides property insurance products for catastrophe-exposed residential and commercial assets. It mainly operates across the United States, focusing on core segments including earthquake, flood, and windstorm coverage to meet high-risk property protection demands of customers.
KMPR vs PLMR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $253.4M |
| Net Profit | $-8.0M | — |
| Gross Margin | — | — |
| Operating Margin | — | 28.7% |
| Net Margin | -0.7% | — |
| Revenue YoY | -4.7% | 62.7% |
| Net Profit YoY | -108.2% | — |
| EPS (diluted) | $-0.03 | $2.05 |
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 | $253.4M | ||
| Q3 25 | $1.2B | $244.7M | ||
| Q2 25 | $1.2B | $203.3M | ||
| Q1 25 | $1.2B | $174.6M | ||
| Q4 24 | $1.2B | $155.8M | ||
| Q3 24 | $1.2B | $148.5M | ||
| Q2 24 | $1.1B | $131.1M | ||
| Q1 24 | $1.1B | $118.5M |
| Q4 25 | $-8.0M | — | ||
| Q3 25 | $-21.0M | $51.5M | ||
| Q2 25 | $72.6M | $46.5M | ||
| Q1 25 | $99.7M | $42.9M | ||
| Q4 24 | $97.4M | — | ||
| Q3 24 | $73.7M | $30.5M | ||
| Q2 24 | $75.4M | $25.7M | ||
| Q1 24 | $71.3M | $26.4M |
| Q4 25 | — | 28.7% | ||
| Q3 25 | — | 27.4% | ||
| Q2 25 | — | 29.5% | ||
| Q1 25 | — | 30.8% | ||
| Q4 24 | — | 28.9% | ||
| Q3 24 | 11.2% | 25.9% | ||
| Q2 24 | 10.1% | 25.5% | ||
| Q1 24 | 7.6% | 29.0% |
| Q4 25 | -0.7% | — | ||
| Q3 25 | -1.7% | 21.0% | ||
| Q2 25 | 5.9% | 22.9% | ||
| Q1 25 | 8.4% | 24.6% | ||
| Q4 24 | 8.2% | — | ||
| Q3 24 | 6.3% | 20.5% | ||
| Q2 24 | 6.7% | 19.6% | ||
| Q1 24 | 6.2% | 22.3% |
| Q4 25 | $-0.03 | $2.05 | ||
| Q3 25 | $-0.34 | $1.87 | ||
| Q2 25 | $1.12 | $1.68 | ||
| Q1 25 | $1.54 | $1.57 | ||
| Q4 24 | $1.51 | $1.29 | ||
| Q3 24 | $1.14 | $1.15 | ||
| Q2 24 | $1.16 | $1.00 | ||
| Q1 24 | $1.10 | $1.04 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $106.9M |
| Total DebtLower is stronger | $943.5M | — |
| Stockholders' EquityBook value | $2.7B | $942.7M |
| Total Assets | $12.5B | $3.1B |
| Debt / EquityLower = less leverage | 0.35× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $106.9M | ||
| Q3 25 | $371.2M | $111.7M | ||
| Q2 25 | $407.6M | $81.3M | ||
| Q1 25 | $545.3M | $119.3M | ||
| Q4 24 | $1.0B | $80.4M | ||
| Q3 24 | $696.9M | $86.5M | ||
| Q2 24 | $539.1M | $47.8M | ||
| Q1 24 | $520.7M | $61.4M |
| 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 | $942.7M | ||
| Q3 25 | $2.7B | $878.1M | ||
| Q2 25 | $370.0M | $847.2M | ||
| Q1 25 | $366.0M | $790.4M | ||
| Q4 24 | $2.8B | $729.0M | ||
| Q3 24 | $2.8B | $703.3M | ||
| Q2 24 | $358.0M | $532.6M | ||
| Q1 24 | $2.6B | $501.7M |
| Q4 25 | $12.5B | $3.1B | ||
| Q3 25 | $12.4B | $2.9B | ||
| Q2 25 | $12.6B | $2.8B | ||
| Q1 25 | $12.5B | $2.4B | ||
| Q4 24 | $12.6B | $2.3B | ||
| Q3 24 | $12.6B | $2.3B | ||
| Q2 24 | $12.6B | $2.0B | ||
| Q1 24 | $12.6B | $1.9B |
| 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 | $409.1M |
| Free Cash FlowOCF − Capex | $166.2M | $409.0M |
| FCF MarginFCF / Revenue | 14.7% | 161.4% |
| Capex IntensityCapex / Revenue | 0.8% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $700.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $409.1M | ||
| Q3 25 | $139.9M | $83.6M | ||
| Q2 25 | $89.6M | $120.9M | ||
| Q1 25 | $180.0M | $87.2M | ||
| Q4 24 | $175.1M | $261.2M | ||
| Q3 24 | $141.9M | $100.3M | ||
| Q2 24 | $22.9M | $55.1M | ||
| Q1 24 | $43.0M | $33.1M |
| Q4 25 | $166.2M | $409.0M | ||
| Q3 25 | $133.4M | $83.6M | ||
| Q2 25 | $82.0M | $120.8M | ||
| Q1 25 | $172.3M | $87.1M | ||
| Q4 24 | $165.4M | $260.9M | ||
| Q3 24 | $131.4M | $100.1M | ||
| Q2 24 | $5.2M | — | ||
| Q1 24 | $27.7M | — |
| Q4 25 | 14.7% | 161.4% | ||
| Q3 25 | 10.8% | 34.2% | ||
| Q2 25 | 6.7% | 59.4% | ||
| Q1 25 | 14.4% | 49.9% | ||
| Q4 24 | 13.9% | 167.5% | ||
| Q3 24 | 11.1% | 67.4% | ||
| Q2 24 | 0.5% | — | ||
| Q1 24 | 2.4% | — |
| Q4 25 | 0.8% | 0.1% | ||
| Q3 25 | 0.5% | 0.0% | ||
| Q2 25 | 0.6% | 0.0% | ||
| Q1 25 | 0.6% | 0.0% | ||
| Q4 24 | 0.8% | 0.2% | ||
| Q3 24 | 0.9% | 0.1% | ||
| Q2 24 | 1.6% | 0.0% | ||
| Q1 24 | 1.3% | 0.0% |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.63× | ||
| Q2 25 | 1.23× | 2.60× | ||
| Q1 25 | 1.81× | 2.03× | ||
| Q4 24 | 1.80× | — | ||
| Q3 24 | 1.93× | 3.29× | ||
| Q2 24 | 0.30× | 2.14× | ||
| Q1 24 | 0.60× | 1.26× |
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% |
PLMR
Segment breakdown not available.
