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Side-by-side financial comparison of KEMPER Corp (KMPR) and RESIDEO TECHNOLOGIES, INC. (REZI). Click either name above to swap in a different company.
RESIDEO TECHNOLOGIES, INC. is the larger business by last-quarter revenue ($1.9B vs $1.1B, roughly 1.7× KEMPER Corp). RESIDEO TECHNOLOGIES, INC. runs the higher net margin — 7.2% vs -0.7%, a 7.9% gap on every dollar of revenue. On growth, RESIDEO TECHNOLOGIES, INC. posted the faster year-over-year revenue change (2.0% vs -4.7%). RESIDEO TECHNOLOGIES, INC. produced more free cash flow last quarter ($262.0M vs $166.2M). Over the past eight quarters, RESIDEO TECHNOLOGIES, INC.'s revenue compounded faster (12.9% 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.
Resideo Technologies, Inc. is an American multinational company that was formed in 2018 out of a spin-off from Honeywell. It provides room air temperature, quality, and humidity control and security systems primarily in residential dwellings in the U.S. and internationally. The company operates in two segments: products and distribution. It manufactures and distributes smart-home and software products, including temperature and lighting control, security, and water and air monitoring. The com...
KMPR vs REZI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $1.9B |
| Net Profit | $-8.0M | $136.0M |
| Gross Margin | — | 29.6% |
| Operating Margin | — | 7.4% |
| Net Margin | -0.7% | 7.2% |
| Revenue YoY | -4.7% | 2.0% |
| Net Profit YoY | -108.2% | 491.3% |
| EPS (diluted) | $-0.03 | $0.99 |
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 | $1.9B | ||
| Q3 25 | $1.2B | $1.9B | ||
| Q2 25 | $1.2B | $1.9B | ||
| Q1 25 | $1.2B | $1.8B | ||
| Q4 24 | $1.2B | $1.9B | ||
| Q3 24 | $1.2B | $1.8B | ||
| Q2 24 | $1.1B | $1.6B | ||
| Q1 24 | $1.1B | $1.5B |
| Q4 25 | $-8.0M | $136.0M | ||
| Q3 25 | $-21.0M | $156.0M | ||
| Q2 25 | $72.6M | $-825.0M | ||
| Q1 25 | $99.7M | $6.0M | ||
| Q4 24 | $97.4M | $23.0M | ||
| Q3 24 | $73.7M | $20.0M | ||
| Q2 24 | $75.4M | $30.0M | ||
| Q1 24 | $71.3M | $43.0M |
| Q4 25 | — | 29.6% | ||
| Q3 25 | — | 29.8% | ||
| Q2 25 | — | 29.3% | ||
| Q1 25 | — | 28.9% | ||
| Q4 24 | — | 28.5% | ||
| Q3 24 | — | 28.7% | ||
| Q2 24 | — | 28.1% | ||
| Q1 24 | — | 26.9% |
| Q4 25 | — | 7.4% | ||
| Q3 25 | — | 8.3% | ||
| Q2 25 | — | 9.1% | ||
| Q1 25 | — | 7.7% | ||
| Q4 24 | — | 7.8% | ||
| Q3 24 | 11.2% | 6.9% | ||
| Q2 24 | 10.1% | 7.7% | ||
| Q1 24 | 7.6% | 8.6% |
| Q4 25 | -0.7% | 7.2% | ||
| Q3 25 | -1.7% | 8.4% | ||
| Q2 25 | 5.9% | -42.5% | ||
| Q1 25 | 8.4% | 0.3% | ||
| Q4 24 | 8.2% | 1.2% | ||
| Q3 24 | 6.3% | 1.1% | ||
| Q2 24 | 6.7% | 1.9% | ||
| Q1 24 | 6.2% | 2.9% |
| Q4 25 | $-0.03 | $0.99 | ||
| Q3 25 | $-0.34 | $0.85 | ||
| Q2 25 | $1.12 | $-5.59 | ||
| Q1 25 | $1.54 | $-0.02 | ||
| Q4 24 | $1.51 | $0.06 | ||
| Q3 24 | $1.14 | $0.07 | ||
| Q2 24 | $1.16 | $0.19 | ||
| Q1 24 | $1.10 | $0.29 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $661.0M |
| Total DebtLower is stronger | $943.5M | $3.2B |
| Stockholders' EquityBook value | $2.7B | $2.9B |
| Total Assets | $12.5B | $8.4B |
| Debt / EquityLower = less leverage | 0.35× | 1.11× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $661.0M | ||
| Q3 25 | $371.2M | $345.0M | ||
| Q2 25 | $407.6M | $753.0M | ||
| Q1 25 | $545.3M | $577.0M | ||
| Q4 24 | $1.0B | $692.0M | ||
| Q3 24 | $696.9M | $531.0M | ||
| Q2 24 | $539.1M | $413.0M | ||
| Q1 24 | $520.7M | $603.0M |
| Q4 25 | $943.5M | $3.2B | ||
| Q3 25 | $943.1M | $3.2B | ||
| Q2 25 | $942.6M | $2.0B | ||
| Q1 25 | $942.1M | $2.0B | ||
| Q4 24 | $1.4B | $2.0B | ||
| Q3 24 | $1.4B | $2.0B | ||
| Q2 24 | $1.4B | $2.0B | ||
| Q1 24 | $1.4B | $1.4B |
| Q4 25 | $2.7B | $2.9B | ||
| Q3 25 | $2.7B | $2.8B | ||
| Q2 25 | $370.0M | $2.6B | ||
| Q1 25 | $366.0M | $3.3B | ||
| Q4 24 | $2.8B | $3.3B | ||
| Q3 24 | $2.8B | $3.4B | ||
| Q2 24 | $358.0M | $3.3B | ||
| Q1 24 | $2.6B | $2.8B |
| Q4 25 | $12.5B | $8.4B | ||
| Q3 25 | $12.4B | $8.2B | ||
| Q2 25 | $12.6B | $8.5B | ||
| Q1 25 | $12.5B | $8.1B | ||
| Q4 24 | $12.6B | $8.2B | ||
| Q3 24 | $12.6B | $8.1B | ||
| Q2 24 | $12.6B | $8.0B | ||
| Q1 24 | $12.6B | $6.5B |
| Q4 25 | 0.35× | 1.11× | ||
| Q3 25 | 0.35× | 1.17× | ||
| Q2 25 | 2.55× | 0.77× | ||
| Q1 25 | 2.57× | 0.60× | ||
| Q4 24 | 0.50× | 0.61× | ||
| Q3 24 | 0.50× | 0.60× | ||
| Q2 24 | 3.88× | 0.61× | ||
| Q1 24 | 0.54× | 0.51× |
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 | $299.0M |
| Free Cash FlowOCF − Capex | $166.2M | $262.0M |
| FCF MarginFCF / Revenue | 14.7% | 13.8% |
| Capex IntensityCapex / Revenue | 0.8% | 2.0% |
| Cash ConversionOCF / Net Profit | — | 2.20× |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $-1.3B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $299.0M | ||
| Q3 25 | $139.9M | $-1.6B | ||
| Q2 25 | $89.6M | $200.0M | ||
| Q1 25 | $180.0M | $-65.0M | ||
| Q4 24 | $175.1M | $203.0M | ||
| Q3 24 | $141.9M | $147.0M | ||
| Q2 24 | $22.9M | $92.0M | ||
| Q1 24 | $43.0M | $2.0M |
| Q4 25 | $166.2M | $262.0M | ||
| Q3 25 | $133.4M | $-1.6B | ||
| Q2 25 | $82.0M | $180.0M | ||
| Q1 25 | $172.3M | $-96.0M | ||
| Q4 24 | $165.4M | $181.0M | ||
| Q3 24 | $131.4M | $125.0M | ||
| Q2 24 | $5.2M | $77.0M | ||
| Q1 24 | $27.7M | $-19.0M |
| Q4 25 | 14.7% | 13.8% | ||
| Q3 25 | 10.8% | -85.8% | ||
| Q2 25 | 6.7% | 9.3% | ||
| Q1 25 | 14.4% | -5.4% | ||
| Q4 24 | 13.9% | 9.7% | ||
| Q3 24 | 11.1% | 6.8% | ||
| Q2 24 | 0.5% | 4.8% | ||
| Q1 24 | 2.4% | -1.3% |
| Q4 25 | 0.8% | 2.0% | ||
| Q3 25 | 0.5% | 1.5% | ||
| Q2 25 | 0.6% | 1.0% | ||
| Q1 25 | 0.6% | 1.8% | ||
| Q4 24 | 0.8% | 1.2% | ||
| Q3 24 | 0.9% | 1.2% | ||
| Q2 24 | 1.6% | 0.9% | ||
| Q1 24 | 1.3% | 1.4% |
| Q4 25 | — | 2.20× | ||
| Q3 25 | — | -10.07× | ||
| Q2 25 | 1.23× | — | ||
| Q1 25 | 1.81× | -10.83× | ||
| Q4 24 | 1.80× | 8.83× | ||
| Q3 24 | 1.93× | 7.35× | ||
| Q2 24 | 0.30× | 3.07× | ||
| Q1 24 | 0.60× | 0.05× |
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% |
REZI
| ADI Global Distribution Segment | $1.2B | 62% |
| Safety And Security | $257.0M | 14% |
| Air | $211.0M | 11% |
| Energy Service | $153.0M | 8% |
| Public Utilities Inventory Water | $91.0M | 5% |
