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Side-by-side financial comparison of KEMPER Corp (KMPR) and TRINITY INDUSTRIES INC (TRN). Click either name above to swap in a different company.
KEMPER Corp is the larger business by last-quarter revenue ($1.1B vs $611.2M, roughly 1.9× TRINITY INDUSTRIES INC). TRINITY INDUSTRIES INC runs the higher net margin — 31.8% vs -0.7%, a 32.5% gap on every dollar of revenue. On growth, TRINITY INDUSTRIES INC posted the faster year-over-year revenue change (-2.9% vs -4.7%). KEMPER Corp produced more free cash flow last quarter ($166.2M vs $158.6M). Over the past eight quarters, KEMPER Corp's revenue compounded faster (-0.5% CAGR vs -13.1%).
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.
Trinity Industries Inc. is an American industrial corporation that owns a variety of businesses which provide products and services to the industrial, energy, transportation and construction sectors.
KMPR vs TRN — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $611.2M |
| Net Profit | $-8.0M | $194.2M |
| Gross Margin | — | 25.5% |
| Operating Margin | — | 54.9% |
| Net Margin | -0.7% | 31.8% |
| Revenue YoY | -4.7% | -2.9% |
| Net Profit YoY | -108.2% | 413.8% |
| EPS (diluted) | $-0.03 | $2.25 |
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 | $611.2M | ||
| Q3 25 | $1.2B | $454.1M | ||
| Q2 25 | $1.2B | $506.2M | ||
| Q1 25 | $1.2B | $585.4M | ||
| Q4 24 | $1.2B | $629.4M | ||
| Q3 24 | $1.2B | $798.8M | ||
| Q2 24 | $1.1B | $841.4M | ||
| Q1 24 | $1.1B | $809.6M |
| Q4 25 | $-8.0M | $194.2M | ||
| Q3 25 | $-21.0M | $30.3M | ||
| Q2 25 | $72.6M | $14.1M | ||
| Q1 25 | $99.7M | $22.1M | ||
| Q4 24 | $97.4M | $37.8M | ||
| Q3 24 | $73.7M | $31.4M | ||
| Q2 24 | $75.4M | $54.4M | ||
| Q1 24 | $71.3M | $23.7M |
| Q4 25 | — | 25.5% | ||
| Q3 25 | — | 31.1% | ||
| Q2 25 | — | 26.4% | ||
| Q1 25 | — | 24.3% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 21.3% | ||
| Q1 24 | — | 20.3% |
| Q4 25 | — | 54.9% | ||
| Q3 25 | — | 26.1% | ||
| Q2 25 | — | 18.8% | ||
| Q1 25 | — | 17.0% | ||
| Q4 24 | — | 17.8% | ||
| Q3 24 | 11.2% | 15.3% | ||
| Q2 24 | 10.1% | 16.9% | ||
| Q1 24 | 7.6% | 14.2% |
| Q4 25 | -0.7% | 31.8% | ||
| Q3 25 | -1.7% | 6.7% | ||
| Q2 25 | 5.9% | 2.8% | ||
| Q1 25 | 8.4% | 3.8% | ||
| Q4 24 | 8.2% | 6.0% | ||
| Q3 24 | 6.3% | 3.9% | ||
| Q2 24 | 6.7% | 6.5% | ||
| Q1 24 | 6.2% | 2.9% |
| Q4 25 | $-0.03 | $2.25 | ||
| Q3 25 | $-0.34 | $0.37 | ||
| Q2 25 | $1.12 | $0.17 | ||
| Q1 25 | $1.54 | $0.26 | ||
| Q4 24 | $1.51 | $0.34 | ||
| Q3 24 | $1.14 | $0.37 | ||
| Q2 24 | $1.16 | $0.65 | ||
| Q1 24 | $1.10 | $0.28 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $201.3M |
| Total DebtLower is stronger | $943.5M | — |
| Stockholders' EquityBook value | $2.7B | $1.1B |
| Total Assets | $12.5B | $8.4B |
| Debt / EquityLower = less leverage | 0.35× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $201.3M | ||
| Q3 25 | $371.2M | $66.3M | ||
| Q2 25 | $407.6M | $147.7M | ||
| Q1 25 | $545.3M | $94.9M | ||
| Q4 24 | $1.0B | $228.2M | ||
| Q3 24 | $696.9M | $222.4M | ||
| Q2 24 | $539.1M | $257.1M | ||
| Q1 24 | $520.7M | $118.8M |
| 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 | $1.1B | ||
| Q3 25 | $2.7B | $1.0B | ||
| Q2 25 | $370.0M | $1.0B | ||
| Q1 25 | $366.0M | $1.1B | ||
| Q4 24 | $2.8B | $1.1B | ||
| Q3 24 | $2.8B | $1.1B | ||
| Q2 24 | $358.0M | $1.1B | ||
| Q1 24 | $2.6B | $1.0B |
| Q4 25 | $12.5B | $8.4B | ||
| Q3 25 | $12.4B | $8.9B | ||
| Q2 25 | $12.6B | $8.8B | ||
| Q1 25 | $12.5B | $8.7B | ||
| Q4 24 | $12.6B | $8.8B | ||
| Q3 24 | $12.6B | $8.8B | ||
| Q2 24 | $12.6B | $9.0B | ||
| Q1 24 | $12.6B | $9.1B |
| 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 | $177.4M |
| Free Cash FlowOCF − Capex | $166.2M | $158.6M |
| FCF MarginFCF / Revenue | 14.7% | 25.9% |
| Capex IntensityCapex / Revenue | 0.8% | 3.1% |
| Cash ConversionOCF / Net Profit | — | 0.91× |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $314.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $177.4M | ||
| Q3 25 | $139.9M | $44.2M | ||
| Q2 25 | $89.6M | $61.6M | ||
| Q1 25 | $180.0M | $76.5M | ||
| Q4 24 | $175.1M | $201.6M | ||
| Q3 24 | $141.9M | $78.5M | ||
| Q2 24 | $22.9M | $241.5M | ||
| Q1 24 | $43.0M | $52.2M |
| Q4 25 | $166.2M | $158.6M | ||
| Q3 25 | $133.4M | $35.3M | ||
| Q2 25 | $82.0M | $52.9M | ||
| Q1 25 | $172.3M | $67.3M | ||
| Q4 24 | $165.4M | $180.1M | ||
| Q3 24 | $131.4M | $62.1M | ||
| Q2 24 | $5.2M | $230.2M | ||
| Q1 24 | $27.7M | $47.6M |
| Q4 25 | 14.7% | 25.9% | ||
| Q3 25 | 10.8% | 7.8% | ||
| Q2 25 | 6.7% | 10.5% | ||
| Q1 25 | 14.4% | 11.5% | ||
| Q4 24 | 13.9% | 28.6% | ||
| Q3 24 | 11.1% | 7.8% | ||
| Q2 24 | 0.5% | 27.4% | ||
| Q1 24 | 2.4% | 5.9% |
| Q4 25 | 0.8% | 3.1% | ||
| Q3 25 | 0.5% | 2.0% | ||
| Q2 25 | 0.6% | 1.7% | ||
| Q1 25 | 0.6% | 1.6% | ||
| Q4 24 | 0.8% | 3.4% | ||
| Q3 24 | 0.9% | 2.1% | ||
| Q2 24 | 1.6% | 1.3% | ||
| Q1 24 | 1.3% | 0.6% |
| Q4 25 | — | 0.91× | ||
| Q3 25 | — | 1.46× | ||
| Q2 25 | 1.23× | 4.37× | ||
| Q1 25 | 1.81× | 3.46× | ||
| Q4 24 | 1.80× | 5.33× | ||
| Q3 24 | 1.93× | 2.50× | ||
| Q2 24 | 0.30× | 4.44× | ||
| Q1 24 | 0.60× | 2.20× |
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% |
TRN
| Manufacturing | $296.5M | 49% |
| Leasing And Management | $234.8M | 38% |
| Maintenance Services Domain | $69.8M | 11% |
| Digital Logistics Services | $11.2M | 2% |
