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Side-by-side financial comparison of KEMPER Corp (KMPR) and Snowflake Inc. (SNOW). Click either name above to swap in a different company.
Snowflake Inc. is the larger business by last-quarter revenue ($1.2B vs $1.1B, roughly 1.1× KEMPER Corp). KEMPER Corp runs the higher net margin — -0.7% vs -24.2%, a 23.5% gap on every dollar of revenue. On growth, Snowflake Inc. posted the faster year-over-year revenue change (28.7% vs -4.7%). KEMPER Corp produced more free cash flow last quarter ($166.2M vs $113.6M). Over the past eight quarters, Snowflake Inc.'s revenue compounded faster (25.1% 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.
Snowflake Inc. is an American cloud-based data platform company founded in San Mateo, California, and headquartered in Bozeman, Montana. It operates a platform that supports data analysis and simultaneous access to data sets with minimal latency. It operates on Amazon Web Services, Microsoft Azure, and Google Cloud Platform.
KMPR vs SNOW — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $1.2B |
| Net Profit | $-8.0M | $-294.0M |
| Gross Margin | — | 67.8% |
| Operating Margin | — | -27.2% |
| Net Margin | -0.7% | -24.2% |
| Revenue YoY | -4.7% | 28.7% |
| Net Profit YoY | -108.2% | 9.4% |
| EPS (diluted) | $-0.03 | $-0.87 |
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 | $1.2B | ||
| Q3 25 | $1.2B | $1.1B | ||
| Q2 25 | $1.2B | $1.0B | ||
| Q1 25 | $1.2B | $986.8M | ||
| Q4 24 | $1.2B | $942.1M | ||
| Q3 24 | $1.2B | $868.8M | ||
| Q2 24 | $1.1B | $828.7M | ||
| Q1 24 | $1.1B | $774.7M |
| Q4 25 | $-8.0M | $-294.0M | ||
| Q3 25 | $-21.0M | $-298.0M | ||
| Q2 25 | $72.6M | $-430.1M | ||
| Q1 25 | $99.7M | $-327.5M | ||
| Q4 24 | $97.4M | $-324.3M | ||
| Q3 24 | $73.7M | $-316.9M | ||
| Q2 24 | $75.4M | $-317.0M | ||
| Q1 24 | $71.3M | $-169.4M |
| Q4 25 | — | 67.8% | ||
| Q3 25 | — | 67.5% | ||
| Q2 25 | — | 66.5% | ||
| Q1 25 | — | 66.2% | ||
| Q4 24 | — | 65.9% | ||
| Q3 24 | — | 66.8% | ||
| Q2 24 | — | 67.1% | ||
| Q1 24 | — | 68.8% |
| Q4 25 | — | -27.2% | ||
| Q3 25 | — | -29.7% | ||
| Q2 25 | — | -42.9% | ||
| Q1 25 | — | -39.2% | ||
| Q4 24 | — | -38.8% | ||
| Q3 24 | 11.2% | -40.9% | ||
| Q2 24 | 10.1% | -42.1% | ||
| Q1 24 | 7.6% | -35.6% |
| Q4 25 | -0.7% | -24.2% | ||
| Q3 25 | -1.7% | -26.0% | ||
| Q2 25 | 5.9% | -41.3% | ||
| Q1 25 | 8.4% | -33.2% | ||
| Q4 24 | 8.2% | -34.4% | ||
| Q3 24 | 6.3% | -36.5% | ||
| Q2 24 | 6.7% | -38.3% | ||
| Q1 24 | 6.2% | -21.9% |
| Q4 25 | $-0.03 | $-0.87 | ||
| Q3 25 | $-0.34 | $-0.89 | ||
| Q2 25 | $1.12 | $-1.29 | ||
| Q1 25 | $1.54 | $-0.98 | ||
| Q4 24 | $1.51 | $-0.98 | ||
| Q3 24 | $1.14 | $-0.95 | ||
| Q2 24 | $1.16 | $-0.95 | ||
| Q1 24 | $1.10 | $-0.51 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $1.9B |
| Total DebtLower is stronger | $943.5M | — |
| Stockholders' EquityBook value | $2.7B | $2.1B |
| Total Assets | $12.5B | $8.2B |
| Debt / EquityLower = less leverage | 0.35× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $1.9B | ||
| Q3 25 | $371.2M | $1.9B | ||
| Q2 25 | $407.6M | $2.2B | ||
| Q1 25 | $545.3M | $2.6B | ||
| Q4 24 | $1.0B | $2.1B | ||
| Q3 24 | $696.9M | $1.3B | ||
| Q2 24 | $539.1M | $1.3B | ||
| Q1 24 | $520.7M | $1.8B |
| 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 | $2.1B | ||
| Q3 25 | $2.7B | $2.4B | ||
| Q2 25 | $370.0M | $2.4B | ||
| Q1 25 | $366.0M | $3.0B | ||
| Q4 24 | $2.8B | $2.9B | ||
| Q3 24 | $2.8B | $4.1B | ||
| Q2 24 | $358.0M | $4.6B | ||
| Q1 24 | $2.6B | $5.2B |
| Q4 25 | $12.5B | $8.2B | ||
| Q3 25 | $12.4B | $8.2B | ||
| Q2 25 | $12.6B | $8.2B | ||
| Q1 25 | $12.5B | $9.0B | ||
| Q4 24 | $12.6B | $8.2B | ||
| Q3 24 | $12.6B | $6.9B | ||
| Q2 24 | $12.6B | $7.3B | ||
| Q1 24 | $12.6B | $8.2B |
| 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 | $137.5M |
| Free Cash FlowOCF − Capex | $166.2M | $113.6M |
| FCF MarginFCF / Revenue | 14.7% | 9.4% |
| Capex IntensityCapex / Revenue | 0.8% | 2.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $776.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $137.5M | ||
| Q3 25 | $139.9M | $74.9M | ||
| Q2 25 | $89.6M | $228.4M | ||
| Q1 25 | $180.0M | $432.7M | ||
| Q4 24 | $175.1M | $101.7M | ||
| Q3 24 | $141.9M | $69.9M | ||
| Q2 24 | $22.9M | $355.5M | ||
| Q1 24 | $43.0M | $344.6M |
| Q4 25 | $166.2M | $113.6M | ||
| Q3 25 | $133.4M | $58.2M | ||
| Q2 25 | $82.0M | $183.4M | ||
| Q1 25 | $172.3M | $421.4M | ||
| Q4 24 | $165.4M | $88.3M | ||
| Q3 24 | $131.4M | $64.8M | ||
| Q2 24 | $5.2M | $338.9M | ||
| Q1 24 | $27.7M | $331.5M |
| Q4 25 | 14.7% | 9.4% | ||
| Q3 25 | 10.8% | 5.1% | ||
| Q2 25 | 6.7% | 17.6% | ||
| Q1 25 | 14.4% | 42.7% | ||
| Q4 24 | 13.9% | 9.4% | ||
| Q3 24 | 11.1% | 7.5% | ||
| Q2 24 | 0.5% | 40.9% | ||
| Q1 24 | 2.4% | 42.8% |
| Q4 25 | 0.8% | 2.0% | ||
| Q3 25 | 0.5% | 1.5% | ||
| Q2 25 | 0.6% | 4.3% | ||
| Q1 25 | 0.6% | 1.1% | ||
| Q4 24 | 0.8% | 1.4% | ||
| Q3 24 | 0.9% | 0.6% | ||
| Q2 24 | 1.6% | 2.0% | ||
| Q1 24 | 1.3% | 1.7% |
| 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% |
SNOW
| Products | $1.2B | 96% |
| Professional Services And Other | $54.5M | 4% |
| Related Party | $6.7M | 1% |
