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Side-by-side financial comparison of KEMPER Corp (KMPR) and RXO, Inc. (RXO). Click either name above to swap in a different company.
RXO, Inc. is the larger business by last-quarter revenue ($1.5B vs $1.1B, roughly 1.3× KEMPER Corp). KEMPER Corp runs the higher net margin — -0.7% vs -3.1%, a 2.4% gap on every dollar of revenue. On growth, KEMPER Corp posted the faster year-over-year revenue change (-4.7% vs -11.9%). KEMPER Corp produced more free cash flow last quarter ($166.2M vs $-9.0M). Over the past eight quarters, RXO, Inc.'s revenue compounded faster (26.8% 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.
RXO, Inc. is a leading transportation and logistics solutions provider headquartered in the United States. Its core service portfolio includes freight brokerage, last-mile delivery for heavy and bulky goods, managed transportation services, and end-to-end supply chain optimization support, primarily catering to clients across the North American manufacturing, retail, and e-commerce segments.
KMPR vs RXO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $1.5B |
| Net Profit | $-8.0M | $-46.0M |
| Gross Margin | — | — |
| Operating Margin | — | -2.9% |
| Net Margin | -0.7% | -3.1% |
| Revenue YoY | -4.7% | -11.9% |
| Net Profit YoY | -108.2% | -84.0% |
| EPS (diluted) | $-0.03 | $-0.28 |
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 | $1.5B | ||
| Q3 25 | $1.2B | $1.4B | ||
| Q2 25 | $1.2B | $1.4B | ||
| Q1 25 | $1.2B | $1.4B | ||
| Q4 24 | $1.2B | $1.7B | ||
| Q3 24 | $1.2B | $1.0B | ||
| Q2 24 | $1.1B | $930.0M | ||
| Q1 24 | $1.1B | $913.0M |
| Q4 25 | $-8.0M | $-46.0M | ||
| Q3 25 | $-21.0M | $-14.0M | ||
| Q2 25 | $72.6M | $-9.0M | ||
| Q1 25 | $99.7M | $-31.0M | ||
| Q4 24 | $97.4M | $-25.0M | ||
| Q3 24 | $73.7M | $-243.0M | ||
| Q2 24 | $75.4M | $-7.0M | ||
| Q1 24 | $71.3M | $-15.0M |
| Q4 25 | — | -2.9% | ||
| Q3 25 | — | -0.5% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | -2.1% | ||
| Q4 24 | — | -1.4% | ||
| Q3 24 | 11.2% | -1.9% | ||
| Q2 24 | 10.1% | — | ||
| Q1 24 | 7.6% | -1.3% |
| Q4 25 | -0.7% | -3.1% | ||
| Q3 25 | -1.7% | -1.0% | ||
| Q2 25 | 5.9% | -0.6% | ||
| Q1 25 | 8.4% | -2.2% | ||
| Q4 24 | 8.2% | -1.5% | ||
| Q3 24 | 6.3% | -23.4% | ||
| Q2 24 | 6.7% | -0.8% | ||
| Q1 24 | 6.2% | -1.6% |
| Q4 25 | $-0.03 | $-0.28 | ||
| Q3 25 | $-0.34 | $-0.08 | ||
| Q2 25 | $1.12 | $-0.05 | ||
| Q1 25 | $1.54 | $-0.18 | ||
| Q4 24 | $1.51 | $-0.17 | ||
| Q3 24 | $1.14 | $-1.81 | ||
| Q2 24 | $1.16 | $-0.06 | ||
| Q1 24 | $1.10 | $-0.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $17.0M |
| Total DebtLower is stronger | $943.5M | $387.0M |
| Stockholders' EquityBook value | $2.7B | $1.5B |
| Total Assets | $12.5B | $3.3B |
| Debt / EquityLower = less leverage | 0.35× | 0.25× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $17.0M | ||
| Q3 25 | $371.2M | $25.0M | ||
| Q2 25 | $407.6M | $18.0M | ||
| Q1 25 | $545.3M | $16.0M | ||
| Q4 24 | $1.0B | $35.0M | ||
| Q3 24 | $696.9M | $55.0M | ||
| Q2 24 | $539.1M | $7.0M | ||
| Q1 24 | $520.7M | $7.0M |
| Q4 25 | $943.5M | $387.0M | ||
| Q3 25 | $943.1M | $387.0M | ||
| Q2 25 | $942.6M | $387.0M | ||
| Q1 25 | $942.1M | $387.0M | ||
| Q4 24 | $1.4B | $351.0M | ||
| Q3 24 | $1.4B | $352.0M | ||
| Q2 24 | $1.4B | $370.0M | ||
| Q1 24 | $1.4B | $351.0M |
| Q4 25 | $2.7B | $1.5B | ||
| Q3 25 | $2.7B | $1.6B | ||
| Q2 25 | $370.0M | $1.6B | ||
| Q1 25 | $366.0M | $1.6B | ||
| Q4 24 | $2.8B | $1.6B | ||
| Q3 24 | $2.8B | $1.7B | ||
| Q2 24 | $358.0M | $579.0M | ||
| Q1 24 | $2.6B | $582.0M |
| Q4 25 | $12.5B | $3.3B | ||
| Q3 25 | $12.4B | $3.2B | ||
| Q2 25 | $12.6B | $3.2B | ||
| Q1 25 | $12.5B | $3.3B | ||
| Q4 24 | $12.6B | $3.4B | ||
| Q3 24 | $12.6B | $3.4B | ||
| Q2 24 | $12.6B | $1.8B | ||
| Q1 24 | $12.6B | $1.8B |
| Q4 25 | 0.35× | 0.25× | ||
| Q3 25 | 0.35× | 0.24× | ||
| Q2 25 | 2.55× | 0.24× | ||
| Q1 25 | 2.57× | 0.24× | ||
| Q4 24 | 0.50× | 0.22× | ||
| Q3 24 | 0.50× | 0.21× | ||
| Q2 24 | 3.88× | 0.64× | ||
| Q1 24 | 0.54× | 0.60× |
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 | $7.0M |
| Free Cash FlowOCF − Capex | $166.2M | $-9.0M |
| FCF MarginFCF / Revenue | 14.7% | -0.6% |
| Capex IntensityCapex / Revenue | 0.8% | 1.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $-8.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $7.0M | ||
| Q3 25 | $139.9M | $23.0M | ||
| Q2 25 | $89.6M | $23.0M | ||
| Q1 25 | $180.0M | $-2.0M | ||
| Q4 24 | $175.1M | $-7.0M | ||
| Q3 24 | $141.9M | $-7.0M | ||
| Q2 24 | $22.9M | $-5.0M | ||
| Q1 24 | $43.0M | $7.0M |
| Q4 25 | $166.2M | $-9.0M | ||
| Q3 25 | $133.4M | $9.0M | ||
| Q2 25 | $82.0M | $9.0M | ||
| Q1 25 | $172.3M | $-17.0M | ||
| Q4 24 | $165.4M | $-19.0M | ||
| Q3 24 | $131.4M | $-18.0M | ||
| Q2 24 | $5.2M | $-16.0M | ||
| Q1 24 | $27.7M | $-4.0M |
| Q4 25 | 14.7% | -0.6% | ||
| Q3 25 | 10.8% | 0.6% | ||
| Q2 25 | 6.7% | 0.6% | ||
| Q1 25 | 14.4% | -1.2% | ||
| Q4 24 | 13.9% | -1.1% | ||
| Q3 24 | 11.1% | -1.7% | ||
| Q2 24 | 0.5% | -1.7% | ||
| Q1 24 | 2.4% | -0.4% |
| Q4 25 | 0.8% | 1.1% | ||
| Q3 25 | 0.5% | 1.0% | ||
| Q2 25 | 0.6% | 1.0% | ||
| Q1 25 | 0.6% | 1.0% | ||
| Q4 24 | 0.8% | 0.7% | ||
| Q3 24 | 0.9% | 1.1% | ||
| Q2 24 | 1.6% | 1.2% | ||
| Q1 24 | 1.3% | 1.2% |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 1.23× | — | ||
| Q1 25 | 1.81× | — | ||
| Q4 24 | 1.80× | — | ||
| Q3 24 | 1.93× | — | ||
| Q2 24 | 0.30× | — | ||
| Q1 24 | 0.60× | — |
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% |
RXO
| Retail Sector | $546.0M | 37% |
| Last Mile | $298.0M | 20% |
| Food And Beverage Sector | $225.0M | 15% |
| Other Sector | $185.0M | 13% |
| Managed Transportation | $133.0M | 9% |
| Automotive Sector | $93.0M | 6% |
