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Side-by-side financial comparison of KEMPER Corp (KMPR) and SELECT MEDICAL HOLDINGS CORP (SEM). Click either name above to swap in a different company.
SELECT MEDICAL HOLDINGS CORP is the larger business by last-quarter revenue ($1.4B vs $1.1B, roughly 1.2× KEMPER Corp). SELECT MEDICAL HOLDINGS CORP runs the higher net margin — 1.4% vs -0.7%, a 2.2% gap on every dollar of revenue. On growth, SELECT MEDICAL HOLDINGS CORP posted the faster year-over-year revenue change (6.4% vs -4.7%). KEMPER Corp produced more free cash flow last quarter ($166.2M vs $5.2M). Over the past eight quarters, SELECT MEDICAL HOLDINGS CORP's revenue compounded faster (2.8% 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.
Select Medical is a healthcare company based in Pennsylvania. It owns long-term acute care and inpatient rehabilitation hospitals, as well as occupational health and physical therapy clinics. Select Medical is a subsidiary of Select Medical Holdings, which is listed on the New York Stock Exchange.
KMPR vs SEM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $1.4B |
| Net Profit | $-8.0M | $20.2M |
| Gross Margin | — | — |
| Operating Margin | — | 4.6% |
| Net Margin | -0.7% | 1.4% |
| Revenue YoY | -4.7% | 6.4% |
| Net Profit YoY | -108.2% | 225.7% |
| EPS (diluted) | $-0.03 | $0.17 |
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 | $1.4B | ||
| Q3 25 | $1.2B | $1.4B | ||
| Q2 25 | $1.2B | $1.3B | ||
| Q1 25 | $1.2B | $1.4B | ||
| Q4 24 | $1.2B | $1.3B | ||
| Q3 24 | $1.2B | $1.3B | ||
| Q2 24 | $1.1B | $1.3B | ||
| Q1 24 | $1.1B | $1.3B |
| Q4 25 | $-8.0M | $20.2M | ||
| Q3 25 | $-21.0M | $28.8M | ||
| Q2 25 | $72.6M | $40.6M | ||
| Q1 25 | $99.7M | $56.7M | ||
| Q4 24 | $97.4M | $-16.1M | ||
| Q3 24 | $73.7M | $55.6M | ||
| Q2 24 | $75.4M | $77.6M | ||
| Q1 24 | $71.3M | $96.9M |
| Q4 25 | — | 4.6% | ||
| Q3 25 | — | 5.4% | ||
| Q2 25 | — | 6.5% | ||
| Q1 25 | — | 8.3% | ||
| Q4 24 | — | 1.6% | ||
| Q3 24 | 11.2% | 4.3% | ||
| Q2 24 | 10.1% | 5.8% | ||
| Q1 24 | 7.6% | 9.0% |
| Q4 25 | -0.7% | 1.4% | ||
| Q3 25 | -1.7% | 2.1% | ||
| Q2 25 | 5.9% | 3.0% | ||
| Q1 25 | 8.4% | 4.2% | ||
| Q4 24 | 8.2% | -1.2% | ||
| Q3 24 | 6.3% | 4.4% | ||
| Q2 24 | 6.7% | 6.1% | ||
| Q1 24 | 6.2% | 7.3% |
| Q4 25 | $-0.03 | $0.17 | ||
| Q3 25 | $-0.34 | $0.23 | ||
| Q2 25 | $1.12 | $0.32 | ||
| Q1 25 | $1.54 | $0.44 | ||
| Q4 24 | $1.51 | $-0.12 | ||
| Q3 24 | $1.14 | $0.43 | ||
| Q2 24 | $1.16 | $0.60 | ||
| Q1 24 | $1.10 | $0.75 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $26.5M |
| Total DebtLower is stronger | $943.5M | $1.8B |
| Stockholders' EquityBook value | $2.7B | $1.7B |
| Total Assets | $12.5B | $5.9B |
| Debt / EquityLower = less leverage | 0.35× | 1.06× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $26.5M | ||
| Q3 25 | $371.2M | $60.1M | ||
| Q2 25 | $407.6M | $52.3M | ||
| Q1 25 | $545.3M | $53.2M | ||
| Q4 24 | $1.0B | $59.7M | ||
| Q3 24 | $696.9M | $191.5M | ||
| Q2 24 | $539.1M | $111.2M | ||
| Q1 24 | $520.7M | $92.6M |
| Q4 25 | $943.5M | $1.8B | ||
| Q3 25 | $943.1M | $1.7B | ||
| Q2 25 | $942.6M | $1.8B | ||
| Q1 25 | $942.1M | $1.8B | ||
| Q4 24 | $1.4B | $1.7B | ||
| Q3 24 | $1.4B | $3.1B | ||
| Q2 24 | $1.4B | $3.6B | ||
| Q1 24 | $1.4B | $3.8B |
| Q4 25 | $2.7B | $1.7B | ||
| Q3 25 | $2.7B | $1.7B | ||
| Q2 25 | $370.0M | $1.7B | ||
| Q1 25 | $366.0M | $1.7B | ||
| Q4 24 | $2.8B | $1.7B | ||
| Q3 24 | $2.8B | $1.9B | ||
| Q2 24 | $358.0M | $1.4B | ||
| Q1 24 | $2.6B | $1.4B |
| Q4 25 | $12.5B | $5.9B | ||
| Q3 25 | $12.4B | $5.7B | ||
| Q2 25 | $12.6B | $5.7B | ||
| Q1 25 | $12.5B | $5.7B | ||
| Q4 24 | $12.6B | $5.6B | ||
| Q3 24 | $12.6B | $8.0B | ||
| Q2 24 | $12.6B | $7.9B | ||
| Q1 24 | $12.6B | $7.9B |
| Q4 25 | 0.35× | 1.06× | ||
| Q3 25 | 0.35× | 1.03× | ||
| Q2 25 | 2.55× | 1.10× | ||
| Q1 25 | 2.57× | 1.03× | ||
| Q4 24 | 0.50× | 1.01× | ||
| Q3 24 | 0.50× | 1.62× | ||
| Q2 24 | 3.88× | 2.54× | ||
| Q1 24 | 0.54× | 2.75× |
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 | $64.3M |
| Free Cash FlowOCF − Capex | $166.2M | $5.2M |
| FCF MarginFCF / Revenue | 14.7% | 0.4% |
| Capex IntensityCapex / Revenue | 0.8% | 4.2% |
| Cash ConversionOCF / Net Profit | — | 3.19× |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $117.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $64.3M | ||
| Q3 25 | $139.9M | $175.3M | ||
| Q2 25 | $89.6M | $110.3M | ||
| Q1 25 | $180.0M | $-3.5M | ||
| Q4 24 | $175.1M | $125.4M | ||
| Q3 24 | $141.9M | $181.0M | ||
| Q2 24 | $22.9M | $278.2M | ||
| Q1 24 | $43.0M | $-66.7M |
| Q4 25 | $166.2M | $5.2M | ||
| Q3 25 | $133.4M | $122.2M | ||
| Q2 25 | $82.0M | $45.6M | ||
| Q1 25 | $172.3M | $-55.8M | ||
| Q4 24 | $165.4M | $62.0M | ||
| Q3 24 | $131.4M | $130.3M | ||
| Q2 24 | $5.2M | $222.6M | ||
| Q1 24 | $27.7M | $-119.2M |
| Q4 25 | 14.7% | 0.4% | ||
| Q3 25 | 10.8% | 9.0% | ||
| Q2 25 | 6.7% | 3.4% | ||
| Q1 25 | 14.4% | -4.1% | ||
| Q4 24 | 13.9% | 4.7% | ||
| Q3 24 | 11.1% | 10.2% | ||
| Q2 24 | 0.5% | 17.4% | ||
| Q1 24 | 2.4% | -9.0% |
| Q4 25 | 0.8% | 4.2% | ||
| Q3 25 | 0.5% | 3.9% | ||
| Q2 25 | 0.6% | 4.8% | ||
| Q1 25 | 0.6% | 3.9% | ||
| Q4 24 | 0.8% | 4.8% | ||
| Q3 24 | 0.9% | 4.0% | ||
| Q2 24 | 1.6% | 4.3% | ||
| Q1 24 | 1.3% | 4.0% |
| Q4 25 | — | 3.19× | ||
| Q3 25 | — | 6.09× | ||
| Q2 25 | 1.23× | 2.72× | ||
| Q1 25 | 1.81× | -0.06× | ||
| Q4 24 | 1.80× | — | ||
| Q3 24 | 1.93× | 3.25× | ||
| Q2 24 | 0.30× | 3.59× | ||
| Q1 24 | 0.60× | -0.69× |
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% |
SEM
| Critical Illness Recovery Hospitals | $629.7M | 45% |
| Health Care Patient Service Non Medicare | $428.6M | 31% |
| Rehabilitation Hospitals | $339.2M | 24% |
