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Side-by-side financial comparison of KEMPER Corp (KMPR) and SERVICE CORP INTERNATIONAL (SCI). Click either name above to swap in a different company.
KEMPER Corp is the larger business by last-quarter revenue ($1.1B vs $1.1B, roughly 1.0× SERVICE CORP INTERNATIONAL). SERVICE CORP INTERNATIONAL runs the higher net margin — 14.3% vs -0.7%, a 15.0% gap on every dollar of revenue. On growth, SERVICE CORP INTERNATIONAL posted the faster year-over-year revenue change (1.7% vs -4.7%). KEMPER Corp produced more free cash flow last quarter ($166.2M vs $87.2M). Over the past eight quarters, SERVICE CORP INTERNATIONAL's revenue compounded faster (3.1% 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.
International Distribution Services Limited is a British company providing postal and courier services. IDS was created in 2013 by the UK government as a new holding company of Royal Mail, and a majority of its shares were then sold on the London Stock Exchange, with the government initially retaining a 30 per cent at the time. As of April 2025, IDS is owned and operated by Czech-based EP Group, owned by Daniel Křetínský.
KMPR vs SCI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $1.1B |
| Net Profit | $-8.0M | $159.4M |
| Gross Margin | — | 28.0% |
| Operating Margin | — | 24.8% |
| Net Margin | -0.7% | 14.3% |
| Revenue YoY | -4.7% | 1.7% |
| Net Profit YoY | -108.2% | 5.3% |
| EPS (diluted) | $-0.03 | $1.13 |
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 | $1.1B | ||
| Q3 25 | $1.2B | $1.1B | ||
| Q2 25 | $1.2B | $1.1B | ||
| Q1 25 | $1.2B | $1.1B | ||
| Q4 24 | $1.2B | $1.1B | ||
| Q3 24 | $1.2B | $1.0B | ||
| Q2 24 | $1.1B | $1.0B | ||
| Q1 24 | $1.1B | $1.0B |
| Q4 25 | $-8.0M | $159.4M | ||
| Q3 25 | $-21.0M | $117.5M | ||
| Q2 25 | $72.6M | $122.9M | ||
| Q1 25 | $99.7M | $142.9M | ||
| Q4 24 | $97.4M | $151.4M | ||
| Q3 24 | $73.7M | $117.8M | ||
| Q2 24 | $75.4M | $118.2M | ||
| Q1 24 | $71.3M | $131.3M |
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 25.1% | ||
| Q2 25 | — | 25.5% | ||
| Q1 25 | — | 27.1% | ||
| Q4 24 | — | 28.0% | ||
| Q3 24 | — | 24.9% | ||
| Q2 24 | — | 24.9% | ||
| Q1 24 | — | 26.2% |
| Q4 25 | — | 24.8% | ||
| Q3 25 | — | 21.4% | ||
| Q2 25 | — | 21.1% | ||
| Q1 25 | — | 23.4% | ||
| Q4 24 | — | 24.0% | ||
| Q3 24 | 11.2% | 20.9% | ||
| Q2 24 | 10.1% | 21.4% | ||
| Q1 24 | 7.6% | 22.2% |
| Q4 25 | -0.7% | 14.3% | ||
| Q3 25 | -1.7% | 11.1% | ||
| Q2 25 | 5.9% | 11.5% | ||
| Q1 25 | 8.4% | 13.3% | ||
| Q4 24 | 8.2% | 13.8% | ||
| Q3 24 | 6.3% | 11.6% | ||
| Q2 24 | 6.7% | 11.4% | ||
| Q1 24 | 6.2% | 12.6% |
| Q4 25 | $-0.03 | $1.13 | ||
| Q3 25 | $-0.34 | $0.83 | ||
| Q2 25 | $1.12 | $0.86 | ||
| Q1 25 | $1.54 | $0.98 | ||
| Q4 24 | $1.51 | $1.02 | ||
| Q3 24 | $1.14 | $0.81 | ||
| Q2 24 | $1.16 | $0.81 | ||
| Q1 24 | $1.10 | $0.89 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $243.6M |
| Total DebtLower is stronger | $943.5M | $5.1B |
| Stockholders' EquityBook value | $2.7B | $1.6B |
| Total Assets | $12.5B | $18.7B |
| Debt / EquityLower = less leverage | 0.35× | 3.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $243.6M | ||
| Q3 25 | $371.2M | $241.3M | ||
| Q2 25 | $407.6M | $255.4M | ||
| Q1 25 | $545.3M | $227.2M | ||
| Q4 24 | $1.0B | $218.8M | ||
| Q3 24 | $696.9M | $185.4M | ||
| Q2 24 | $539.1M | $184.4M | ||
| Q1 24 | $520.7M | $205.6M |
| Q4 25 | $943.5M | $5.1B | ||
| Q3 25 | $943.1M | $5.0B | ||
| Q2 25 | $942.6M | $5.0B | ||
| Q1 25 | $942.1M | $4.7B | ||
| Q4 24 | $1.4B | $4.8B | ||
| Q3 24 | $1.4B | $4.7B | ||
| Q2 24 | $1.4B | $4.7B | ||
| Q1 24 | $1.4B | $4.6B |
| Q4 25 | $2.7B | $1.6B | ||
| Q3 25 | $2.7B | $1.6B | ||
| Q2 25 | $370.0M | $1.6B | ||
| Q1 25 | $366.0M | $1.7B | ||
| Q4 24 | $2.8B | $1.7B | ||
| Q3 24 | $2.8B | $1.6B | ||
| Q2 24 | $358.0M | $1.5B | ||
| Q1 24 | $2.6B | $1.6B |
| Q4 25 | $12.5B | $18.7B | ||
| Q3 25 | $12.4B | $18.4B | ||
| Q2 25 | $12.6B | $18.0B | ||
| Q1 25 | $12.5B | $17.3B | ||
| Q4 24 | $12.6B | $17.4B | ||
| Q3 24 | $12.6B | $17.4B | ||
| Q2 24 | $12.6B | $16.8B | ||
| Q1 24 | $12.6B | $16.7B |
| Q4 25 | 0.35× | 3.10× | ||
| Q3 25 | 0.35× | 3.17× | ||
| Q2 25 | 2.55× | 3.19× | ||
| Q1 25 | 2.57× | 2.87× | ||
| Q4 24 | 0.50× | 2.83× | ||
| Q3 24 | 0.50× | 2.92× | ||
| Q2 24 | 3.88× | 3.05× | ||
| Q1 24 | 0.54× | 2.90× |
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 | $212.9M |
| Free Cash FlowOCF − Capex | $166.2M | $87.2M |
| FCF MarginFCF / Revenue | 14.7% | 7.8% |
| Capex IntensityCapex / Revenue | 0.8% | 11.3% |
| Cash ConversionOCF / Net Profit | — | 1.34× |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $554.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $212.9M | ||
| Q3 25 | $139.9M | $252.3M | ||
| Q2 25 | $89.6M | $166.4M | ||
| Q1 25 | $180.0M | $311.1M | ||
| Q4 24 | $175.1M | $264.1M | ||
| Q3 24 | $141.9M | $263.8M | ||
| Q2 24 | $22.9M | $196.9M | ||
| Q1 24 | $43.0M | $220.1M |
| Q4 25 | $166.2M | $87.2M | ||
| Q3 25 | $133.4M | $150.7M | ||
| Q2 25 | $82.0M | $83.4M | ||
| Q1 25 | $172.3M | $233.0M | ||
| Q4 24 | $165.4M | $151.8M | ||
| Q3 24 | $131.4M | $162.8M | ||
| Q2 24 | $5.2M | $100.8M | ||
| Q1 24 | $27.7M | $140.3M |
| Q4 25 | 14.7% | 7.8% | ||
| Q3 25 | 10.8% | 14.2% | ||
| Q2 25 | 6.7% | 7.8% | ||
| Q1 25 | 14.4% | 21.7% | ||
| Q4 24 | 13.9% | 13.9% | ||
| Q3 24 | 11.1% | 16.1% | ||
| Q2 24 | 0.5% | 9.7% | ||
| Q1 24 | 2.4% | 13.4% |
| Q4 25 | 0.8% | 11.3% | ||
| Q3 25 | 0.5% | 9.6% | ||
| Q2 25 | 0.6% | 7.8% | ||
| Q1 25 | 0.6% | 7.3% | ||
| Q4 24 | 0.8% | 10.3% | ||
| Q3 24 | 0.9% | 10.0% | ||
| Q2 24 | 1.6% | 9.3% | ||
| Q1 24 | 1.3% | 7.6% |
| Q4 25 | — | 1.34× | ||
| Q3 25 | — | 2.15× | ||
| Q2 25 | 1.23× | 1.35× | ||
| Q1 25 | 1.81× | 2.18× | ||
| Q4 24 | 1.80× | 1.75× | ||
| Q3 24 | 1.93× | 2.24× | ||
| Q2 24 | 0.30× | 1.67× | ||
| Q1 24 | 0.60× | 1.68× |
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% |
SCI
| Cemetery | $510.9M | 46% |
| Funeral Matured Preneed Revenue | $196.5M | 18% |
| Cemetery Recognized Preneed Merchandise And Service Revenue | $107.4M | 10% |
| Cemetery Atneed Revenue | $104.9M | 9% |
| CA | $56.4M | 5% |
| Funeral Other Revenue | $54.6M | 5% |
| Cemetery Other Revenue | $40.2M | 4% |
| Nonfuneral Home Revenue | $28.1M | 3% |
| Non Funeral Home Preneed Sales Revenue | $22.0M | 2% |
