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Side-by-side financial comparison of KEMPER Corp (KMPR) and Toast, Inc. (TOST). Click either name above to swap in a different company.
Toast, Inc. is the larger business by last-quarter revenue ($1.6B vs $1.1B, roughly 1.4× KEMPER Corp). Toast, Inc. runs the higher net margin — 6.2% vs -0.7%, a 6.9% gap on every dollar of revenue. On growth, Toast, Inc. posted the faster year-over-year revenue change (22.0% vs -4.7%). Toast, Inc. produced more free cash flow last quarter ($178.0M vs $166.2M). Over the past eight quarters, Toast, Inc.'s revenue compounded faster (23.3% 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.
Toast, Inc. is an American cloud-based restaurant management software company based in Boston, Massachusetts. The company provides an all-in-one point of sale (POS) system built on the Android operating system.
KMPR vs TOST — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $1.6B |
| Net Profit | $-8.0M | $101.0M |
| Gross Margin | — | 25.9% |
| Operating Margin | — | 5.2% |
| Net Margin | -0.7% | 6.2% |
| Revenue YoY | -4.7% | 22.0% |
| Net Profit YoY | -108.2% | 215.6% |
| EPS (diluted) | $-0.03 | $0.18 |
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 | $1.6B | ||
| Q3 25 | $1.2B | $1.6B | ||
| Q2 25 | $1.2B | $1.6B | ||
| Q1 25 | $1.2B | $1.3B | ||
| Q4 24 | $1.2B | $1.3B | ||
| Q3 24 | $1.2B | $1.3B | ||
| Q2 24 | $1.1B | $1.2B | ||
| Q1 24 | $1.1B | $1.1B |
| Q4 25 | $-8.0M | $101.0M | ||
| Q3 25 | $-21.0M | $105.0M | ||
| Q2 25 | $72.6M | $80.0M | ||
| Q1 25 | $99.7M | $56.0M | ||
| Q4 24 | $97.4M | $32.0M | ||
| Q3 24 | $73.7M | $56.0M | ||
| Q2 24 | $75.4M | $14.0M | ||
| Q1 24 | $71.3M | $-83.0M |
| Q4 25 | — | 25.9% | ||
| Q3 25 | — | 26.5% | ||
| Q2 25 | — | 25.3% | ||
| Q1 25 | — | 25.9% | ||
| Q4 24 | — | 24.9% | ||
| Q3 24 | — | 24.7% | ||
| Q2 24 | — | 23.0% | ||
| Q1 24 | — | 23.2% |
| Q4 25 | — | 5.2% | ||
| Q3 25 | — | 5.1% | ||
| Q2 25 | — | 5.2% | ||
| Q1 25 | — | 3.2% | ||
| Q4 24 | — | 2.5% | ||
| Q3 24 | 11.2% | 2.6% | ||
| Q2 24 | 10.1% | 0.4% | ||
| Q1 24 | 7.6% | -5.2% |
| Q4 25 | -0.7% | 6.2% | ||
| Q3 25 | -1.7% | 6.4% | ||
| Q2 25 | 5.9% | 5.2% | ||
| Q1 25 | 8.4% | 4.2% | ||
| Q4 24 | 8.2% | 2.4% | ||
| Q3 24 | 6.3% | 4.3% | ||
| Q2 24 | 6.7% | 1.1% | ||
| Q1 24 | 6.2% | -7.7% |
| Q4 25 | $-0.03 | $0.18 | ||
| Q3 25 | $-0.34 | $0.16 | ||
| Q2 25 | $1.12 | $0.13 | ||
| Q1 25 | $1.54 | $0.09 | ||
| Q4 24 | $1.51 | $0.09 | ||
| Q3 24 | $1.14 | $0.07 | ||
| Q2 24 | $1.16 | $0.02 | ||
| Q1 24 | $1.10 | $-0.15 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $1.4B |
| Total DebtLower is stronger | $943.5M | — |
| Stockholders' EquityBook value | $2.7B | $2.1B |
| Total Assets | $12.5B | $3.1B |
| Debt / EquityLower = less leverage | 0.35× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $1.4B | ||
| Q3 25 | $371.2M | $1.4B | ||
| Q2 25 | $407.6M | $1.2B | ||
| Q1 25 | $545.3M | $1.0B | ||
| Q4 24 | $1.0B | $903.0M | ||
| Q3 24 | $696.9M | $761.0M | ||
| Q2 24 | $539.1M | $691.0M | ||
| Q1 24 | $520.7M | $578.0M |
| 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 | $2.0B | ||
| Q2 25 | $370.0M | $1.8B | ||
| Q1 25 | $366.0M | $1.7B | ||
| Q4 24 | $2.8B | $1.5B | ||
| Q3 24 | $2.8B | $1.4B | ||
| Q2 24 | $358.0M | $1.3B | ||
| Q1 24 | $2.6B | $1.2B |
| Q4 25 | $12.5B | $3.1B | ||
| Q3 25 | $12.4B | $3.0B | ||
| Q2 25 | $12.6B | $2.8B | ||
| Q1 25 | $12.5B | $2.6B | ||
| Q4 24 | $12.6B | $2.4B | ||
| Q3 24 | $12.6B | $2.2B | ||
| Q2 24 | $12.6B | $2.2B | ||
| Q1 24 | $12.6B | $2.1B |
| 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 | $194.0M |
| Free Cash FlowOCF − Capex | $166.2M | $178.0M |
| FCF MarginFCF / Revenue | 14.7% | 10.9% |
| Capex IntensityCapex / Revenue | 0.8% | 1.0% |
| Cash ConversionOCF / Net Profit | — | 1.92× |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $608.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $194.0M | ||
| Q3 25 | $139.9M | $165.0M | ||
| Q2 25 | $89.6M | $223.0M | ||
| Q1 25 | $180.0M | $79.0M | ||
| Q4 24 | $175.1M | $147.0M | ||
| Q3 24 | $141.9M | $109.0M | ||
| Q2 24 | $22.9M | $124.0M | ||
| Q1 24 | $43.0M | $-20.0M |
| Q4 25 | $166.2M | $178.0M | ||
| Q3 25 | $133.4M | $153.0M | ||
| Q2 25 | $82.0M | $208.0M | ||
| Q1 25 | $172.3M | $69.0M | ||
| Q4 24 | $165.4M | $134.0M | ||
| Q3 24 | $131.4M | $97.0M | ||
| Q2 24 | $5.2M | $108.0M | ||
| Q1 24 | $27.7M | $-33.0M |
| Q4 25 | 14.7% | 10.9% | ||
| Q3 25 | 10.8% | 9.4% | ||
| Q2 25 | 6.7% | 13.4% | ||
| Q1 25 | 14.4% | 5.2% | ||
| Q4 24 | 13.9% | 10.0% | ||
| Q3 24 | 11.1% | 7.4% | ||
| Q2 24 | 0.5% | 8.7% | ||
| Q1 24 | 2.4% | -3.1% |
| Q4 25 | 0.8% | 1.0% | ||
| Q3 25 | 0.5% | 0.7% | ||
| Q2 25 | 0.6% | 1.0% | ||
| Q1 25 | 0.6% | 0.7% | ||
| Q4 24 | 0.8% | 1.0% | ||
| Q3 24 | 0.9% | 0.9% | ||
| Q2 24 | 1.6% | 1.3% | ||
| Q1 24 | 1.3% | 1.2% |
| Q4 25 | — | 1.92× | ||
| Q3 25 | — | 1.57× | ||
| Q2 25 | 1.23× | 2.79× | ||
| Q1 25 | 1.81× | 1.41× | ||
| Q4 24 | 1.80× | 4.59× | ||
| Q3 24 | 1.93× | 1.95× | ||
| Q2 24 | 0.30× | 8.86× | ||
| 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% |
TOST
| Technology Service | $1.3B | 82% |
| License | $256.0M | 16% |
| Product And Professional Services | $43.0M | 3% |
