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Side-by-side financial comparison of KEMPER Corp (KMPR) and RH (RH). Click either name above to swap in a different company.
KEMPER Corp is the larger business by last-quarter revenue ($1.1B vs $883.8M, roughly 1.3× RH). RH runs the higher net margin — 4.1% vs -0.7%, a 4.8% gap on every dollar of revenue. On growth, RH posted the faster year-over-year revenue change (8.9% vs -4.7%). KEMPER Corp produced more free cash flow last quarter ($166.2M vs $83.0M). Over the past eight quarters, RH's revenue compounded faster (9.4% 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.
RH is an upscale American home-furnishings company headquartered in Corte Madera, California. The company sells its merchandise through its retail stores, catalog, and online. As of August 2018, the company operated a total of 70 galleries, 18 full-line design galleries, and 3 baby-and-child galleries. The company also has 36 outlet stores in the United States and Canada.
KMPR vs RH — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $883.8M |
| Net Profit | $-8.0M | $36.3M |
| Gross Margin | — | 44.1% |
| Operating Margin | — | 12.0% |
| Net Margin | -0.7% | 4.1% |
| Revenue YoY | -4.7% | 8.9% |
| Net Profit YoY | -108.2% | 9.3% |
| EPS (diluted) | $-0.03 | $1.83 |
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 | $883.8M | ||
| Q3 25 | $1.2B | $899.2M | ||
| Q2 25 | $1.2B | $814.0M | ||
| Q1 25 | $1.2B | $812.4M | ||
| Q4 24 | $1.2B | $811.7M | ||
| Q3 24 | $1.2B | $829.7M | ||
| Q2 24 | $1.1B | $727.0M | ||
| Q1 24 | $1.1B | $738.3M |
| Q4 25 | $-8.0M | $36.3M | ||
| Q3 25 | $-21.0M | $51.7M | ||
| Q2 25 | $72.6M | $8.0M | ||
| Q1 25 | $99.7M | $13.9M | ||
| Q4 24 | $97.4M | $33.2M | ||
| Q3 24 | $73.7M | $29.0M | ||
| Q2 24 | $75.4M | $-3.6M | ||
| Q1 24 | $71.3M | $11.4M |
| Q4 25 | — | 44.1% | ||
| Q3 25 | — | 45.5% | ||
| Q2 25 | — | 43.7% | ||
| Q1 25 | — | 44.7% | ||
| Q4 24 | — | 44.5% | ||
| Q3 24 | — | 45.2% | ||
| Q2 24 | — | 43.5% | ||
| Q1 24 | — | 43.5% |
| Q4 25 | — | 12.0% | ||
| Q3 25 | — | 14.3% | ||
| Q2 25 | — | 6.9% | ||
| Q1 25 | — | 8.7% | ||
| Q4 24 | — | 12.5% | ||
| Q3 24 | 11.2% | 11.6% | ||
| Q2 24 | 10.1% | 7.5% | ||
| Q1 24 | 7.6% | 8.7% |
| Q4 25 | -0.7% | 4.1% | ||
| Q3 25 | -1.7% | 5.8% | ||
| Q2 25 | 5.9% | 1.0% | ||
| Q1 25 | 8.4% | 1.7% | ||
| Q4 24 | 8.2% | 4.1% | ||
| Q3 24 | 6.3% | 3.5% | ||
| Q2 24 | 6.7% | -0.5% | ||
| Q1 24 | 6.2% | 1.5% |
| Q4 25 | $-0.03 | $1.83 | ||
| Q3 25 | $-0.34 | $2.62 | ||
| Q2 25 | $1.12 | $0.40 | ||
| Q1 25 | $1.54 | $0.71 | ||
| Q4 24 | $1.51 | $1.66 | ||
| Q3 24 | $1.14 | $1.45 | ||
| Q2 24 | $1.16 | $-0.20 | ||
| Q1 24 | $1.10 | $0.91 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $43.1M |
| Total DebtLower is stronger | $943.5M | — |
| Stockholders' EquityBook value | $2.7B | $3.3M |
| Total Assets | $12.5B | $4.8B |
| Debt / EquityLower = less leverage | 0.35× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $43.1M | ||
| Q3 25 | $371.2M | $34.6M | ||
| Q2 25 | $407.6M | $46.1M | ||
| Q1 25 | $545.3M | $30.4M | ||
| Q4 24 | $1.0B | $87.0M | ||
| Q3 24 | $696.9M | $78.3M | ||
| Q2 24 | $539.1M | $101.8M | ||
| Q1 24 | $520.7M | $123.7M |
| 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 | $3.3M | ||
| Q3 25 | $2.7B | $-40.9M | ||
| Q2 25 | $370.0M | $-110.8M | ||
| Q1 25 | $366.0M | $-163.6M | ||
| Q4 24 | $2.8B | $-183.0M | ||
| Q3 24 | $2.8B | $-234.7M | ||
| Q2 24 | $358.0M | $-289.9M | ||
| Q1 24 | $2.6B | $-297.4M |
| Q4 25 | $12.5B | $4.8B | ||
| Q3 25 | $12.4B | $4.7B | ||
| Q2 25 | $12.6B | $4.7B | ||
| Q1 25 | $12.5B | $4.6B | ||
| Q4 24 | $12.6B | $4.5B | ||
| Q3 24 | $12.6B | $4.4B | ||
| Q2 24 | $12.6B | $4.2B | ||
| Q1 24 | $12.6B | $4.1B |
| 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 | $131.9M |
| Free Cash FlowOCF − Capex | $166.2M | $83.0M |
| FCF MarginFCF / Revenue | 14.7% | 9.4% |
| Capex IntensityCapex / Revenue | 0.8% | 5.5% |
| Cash ConversionOCF / Net Profit | — | 3.64× |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $128.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $131.9M | ||
| Q3 25 | $139.9M | $137.7M | ||
| Q2 25 | $89.6M | $86.6M | ||
| Q1 25 | $180.0M | $-18.8M | ||
| Q4 24 | $175.1M | $-31.4M | ||
| Q3 24 | $141.9M | $11.2M | ||
| Q2 24 | $22.9M | $56.1M | ||
| Q1 24 | $43.0M | $-114.0M |
| Q4 25 | $166.2M | $83.0M | ||
| Q3 25 | $133.4M | $80.7M | ||
| Q2 25 | $82.0M | $34.1M | ||
| Q1 25 | $172.3M | $-69.7M | ||
| Q4 24 | $165.4M | $-96.0M | ||
| Q3 24 | $131.4M | $-37.9M | ||
| Q2 24 | $5.2M | $-10.1M | ||
| Q1 24 | $27.7M | $-251.5M |
| Q4 25 | 14.7% | 9.4% | ||
| Q3 25 | 10.8% | 9.0% | ||
| Q2 25 | 6.7% | 4.2% | ||
| Q1 25 | 14.4% | -8.6% | ||
| Q4 24 | 13.9% | -11.8% | ||
| Q3 24 | 11.1% | -4.6% | ||
| Q2 24 | 0.5% | -1.4% | ||
| Q1 24 | 2.4% | -34.1% |
| Q4 25 | 0.8% | 5.5% | ||
| Q3 25 | 0.5% | 6.3% | ||
| Q2 25 | 0.6% | 6.5% | ||
| Q1 25 | 0.6% | 6.3% | ||
| Q4 24 | 0.8% | 8.0% | ||
| Q3 24 | 0.9% | 5.9% | ||
| Q2 24 | 1.6% | 9.1% | ||
| Q1 24 | 1.3% | 18.6% |
| Q4 25 | — | 3.64× | ||
| Q3 25 | — | 2.66× | ||
| Q2 25 | 1.23× | 10.78× | ||
| Q1 25 | 1.81× | -1.35× | ||
| Q4 24 | 1.80× | -0.95× | ||
| Q3 24 | 1.93× | 0.39× | ||
| Q2 24 | 0.30× | — | ||
| Q1 24 | 0.60× | -10.01× |
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% |
RH
| RH Segment | $835.8M | 95% |
| Waterworks Segment | $48.0M | 5% |
| Gift Card And Merchandise Credit | $4.5M | 1% |
