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Side-by-side financial comparison of KEMPER Corp (KMPR) and SM Energy Co (SM). Click either name above to swap in a different company.
KEMPER Corp is the larger business by last-quarter revenue ($1.1B vs $704.9M, roughly 1.6× SM Energy Co). On growth, KEMPER Corp posted the faster year-over-year revenue change (-4.7% vs -17.3%). Over the past eight quarters, SM Energy Co's revenue compounded faster (12.2% 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.
SM Energy Company is a company engaged in hydrocarbon exploration. It is organized in Delaware and headquartered in Denver, Colorado.
KMPR vs SM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $704.9M |
| Net Profit | $-8.0M | — |
| Gross Margin | — | — |
| Operating Margin | — | 25.9% |
| Net Margin | -0.7% | — |
| Revenue YoY | -4.7% | -17.3% |
| Net Profit YoY | -108.2% | — |
| EPS (diluted) | $-0.03 | $0.94 |
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 | $704.9M | ||
| Q3 25 | $1.2B | $811.6M | ||
| Q2 25 | $1.2B | $792.9M | ||
| Q1 25 | $1.2B | $844.5M | ||
| Q4 24 | $1.2B | $852.0M | ||
| Q3 24 | $1.2B | $643.6M | ||
| Q2 24 | $1.1B | $634.6M | ||
| Q1 24 | $1.1B | $559.9M |
| Q4 25 | $-8.0M | — | ||
| Q3 25 | $-21.0M | $155.1M | ||
| Q2 25 | $72.6M | $201.7M | ||
| Q1 25 | $99.7M | $182.3M | ||
| Q4 24 | $97.4M | — | ||
| Q3 24 | $73.7M | $240.5M | ||
| Q2 24 | $75.4M | $210.3M | ||
| Q1 24 | $71.3M | $131.2M |
| Q4 25 | — | 25.9% | ||
| Q3 25 | — | 30.4% | ||
| Q2 25 | — | 37.2% | ||
| Q1 25 | — | 32.7% | ||
| Q4 24 | — | 33.7% | ||
| Q3 24 | 11.2% | 51.4% | ||
| Q2 24 | 10.1% | 44.0% | ||
| Q1 24 | 7.6% | 31.9% |
| Q4 25 | -0.7% | — | ||
| Q3 25 | -1.7% | 19.1% | ||
| Q2 25 | 5.9% | 25.4% | ||
| Q1 25 | 8.4% | 21.6% | ||
| Q4 24 | 8.2% | — | ||
| Q3 24 | 6.3% | 37.4% | ||
| Q2 24 | 6.7% | 33.1% | ||
| Q1 24 | 6.2% | 23.4% |
| Q4 25 | $-0.03 | $0.94 | ||
| Q3 25 | $-0.34 | $1.35 | ||
| Q2 25 | $1.12 | $1.76 | ||
| Q1 25 | $1.54 | $1.59 | ||
| Q4 24 | $1.51 | $1.63 | ||
| Q3 24 | $1.14 | $2.09 | ||
| Q2 24 | $1.16 | $1.82 | ||
| Q1 24 | $1.10 | $1.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $368.0M |
| Total DebtLower is stronger | $943.5M | — |
| Stockholders' EquityBook value | $2.7B | $4.8B |
| Total Assets | $12.5B | $9.3B |
| Debt / EquityLower = less leverage | 0.35× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $368.0M | ||
| Q3 25 | $371.2M | $162.3M | ||
| Q2 25 | $407.6M | $101.9M | ||
| Q1 25 | $545.3M | $54.0K | ||
| Q4 24 | $1.0B | — | ||
| Q3 24 | $696.9M | $1.7B | ||
| Q2 24 | $539.1M | $487.9M | ||
| Q1 24 | $520.7M | $506.3M |
| 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 | $4.8B | ||
| Q3 25 | $2.7B | $4.7B | ||
| Q2 25 | $370.0M | $4.6B | ||
| Q1 25 | $366.0M | $4.4B | ||
| Q4 24 | $2.8B | $4.2B | ||
| Q3 24 | $2.8B | $4.1B | ||
| Q2 24 | $358.0M | $3.8B | ||
| Q1 24 | $2.6B | $3.7B |
| Q4 25 | $12.5B | $9.3B | ||
| Q3 25 | $12.4B | $9.1B | ||
| Q2 25 | $12.6B | $9.0B | ||
| Q1 25 | $12.5B | $8.8B | ||
| Q4 24 | $12.6B | $8.6B | ||
| Q3 24 | $12.6B | $8.0B | ||
| Q2 24 | $12.6B | $6.7B | ||
| Q1 24 | $12.6B | $6.4B |
| 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 | $451.9M |
| Free Cash FlowOCF − Capex | $166.2M | — |
| FCF MarginFCF / Revenue | 14.7% | — |
| Capex IntensityCapex / Revenue | 0.8% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $451.9M | ||
| Q3 25 | $139.9M | $505.0M | ||
| Q2 25 | $89.6M | $571.1M | ||
| Q1 25 | $180.0M | $483.0M | ||
| Q4 24 | $175.1M | $578.4M | ||
| Q3 24 | $141.9M | $452.3M | ||
| Q2 24 | $22.9M | $476.4M | ||
| Q1 24 | $43.0M | $276.0M |
| Q4 25 | $166.2M | — | ||
| Q3 25 | $133.4M | — | ||
| Q2 25 | $82.0M | — | ||
| Q1 25 | $172.3M | — | ||
| Q4 24 | $165.4M | — | ||
| Q3 24 | $131.4M | — | ||
| Q2 24 | $5.2M | — | ||
| Q1 24 | $27.7M | — |
| Q4 25 | 14.7% | — | ||
| Q3 25 | 10.8% | — | ||
| Q2 25 | 6.7% | — | ||
| Q1 25 | 14.4% | — | ||
| Q4 24 | 13.9% | — | ||
| Q3 24 | 11.1% | — | ||
| Q2 24 | 0.5% | — | ||
| Q1 24 | 2.4% | — |
| Q4 25 | 0.8% | — | ||
| Q3 25 | 0.5% | — | ||
| Q2 25 | 0.6% | — | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 0.8% | — | ||
| Q3 24 | 0.9% | — | ||
| Q2 24 | 1.6% | — | ||
| Q1 24 | 1.3% | — |
| Q4 25 | — | — | ||
| Q3 25 | — | 3.26× | ||
| Q2 25 | 1.23× | 2.83× | ||
| Q1 25 | 1.81× | 2.65× | ||
| Q4 24 | 1.80× | — | ||
| Q3 24 | 1.93× | 1.88× | ||
| Q2 24 | 0.30× | 2.27× | ||
| Q1 24 | 0.60× | 2.10× |
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% |
SM
Segment breakdown not available.
