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Side-by-side financial comparison of KEMPER Corp (KMPR) and UGI CORP (UGI). Click either name above to swap in a different company.
UGI CORP is the larger business by last-quarter revenue ($2.1B vs $1.1B, roughly 1.8× KEMPER Corp). UGI CORP runs the higher net margin — 14.4% vs -0.7%, a 15.1% gap on every dollar of revenue. On growth, UGI CORP posted the faster year-over-year revenue change (3.9% vs -4.7%). KEMPER Corp produced more free cash flow last quarter ($166.2M vs $-155.0M). Over the past eight quarters, KEMPER Corp's revenue compounded faster (-0.5% CAGR vs -7.5%).
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.
UGI Corporation is a natural gas and electric power distribution company headquartered in King of Prussia, Pennsylvania, with extensive operations in the United States and Europe.
KMPR vs UGI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $2.1B |
| Net Profit | $-8.0M | $297.0M |
| Gross Margin | — | — |
| Operating Margin | — | 22.0% |
| Net Margin | -0.7% | 14.4% |
| Revenue YoY | -4.7% | 3.9% |
| Net Profit YoY | -108.2% | -20.8% |
| EPS (diluted) | $-0.03 | $1.34 |
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 | $2.1B | ||
| Q3 25 | $1.2B | $1.2B | ||
| Q2 25 | $1.2B | $1.4B | ||
| Q1 25 | $1.2B | $2.6B | ||
| Q4 24 | $1.2B | $2.0B | ||
| Q3 24 | $1.2B | $1.2B | ||
| Q2 24 | $1.1B | $1.4B | ||
| Q1 24 | $1.1B | $2.4B |
| Q4 25 | $-8.0M | $297.0M | ||
| Q3 25 | $-21.0M | $-13.0M | ||
| Q2 25 | $72.6M | $-163.0M | ||
| Q1 25 | $99.7M | $479.0M | ||
| Q4 24 | $97.4M | $375.0M | ||
| Q3 24 | $73.7M | $-273.0M | ||
| Q2 24 | $75.4M | $-48.0M | ||
| Q1 24 | $71.3M | $496.0M |
| Q4 25 | — | 22.0% | ||
| Q3 25 | — | 1.1% | ||
| Q2 25 | — | -6.8% | ||
| Q1 25 | — | 26.6% | ||
| Q4 24 | — | 24.5% | ||
| Q3 24 | 11.2% | -20.4% | ||
| Q2 24 | 10.1% | 5.0% | ||
| Q1 24 | 7.6% | 29.7% |
| Q4 25 | -0.7% | 14.4% | ||
| Q3 25 | -1.7% | -1.1% | ||
| Q2 25 | 5.9% | -12.0% | ||
| Q1 25 | 8.4% | 18.2% | ||
| Q4 24 | 8.2% | 18.9% | ||
| Q3 24 | 6.3% | -22.6% | ||
| Q2 24 | 6.7% | -3.6% | ||
| Q1 24 | 6.2% | 20.6% |
| Q4 25 | $-0.03 | $1.34 | ||
| Q3 25 | $-0.34 | $-0.08 | ||
| Q2 25 | $1.12 | $-0.76 | ||
| Q1 25 | $1.54 | $2.19 | ||
| Q4 24 | $1.51 | $1.74 | ||
| Q3 24 | $1.14 | $-1.26 | ||
| Q2 24 | $1.16 | $-0.23 | ||
| Q1 24 | $1.10 | $2.30 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $251.0M |
| Total DebtLower is stronger | $943.5M | $6.0B |
| Stockholders' EquityBook value | $2.7B | $5.0B |
| Total Assets | $12.5B | $15.8B |
| Debt / EquityLower = less leverage | 0.35× | 1.19× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $251.0M | ||
| Q3 25 | $371.2M | $335.0M | ||
| Q2 25 | $407.6M | $350.0M | ||
| Q1 25 | $545.3M | $426.0M | ||
| Q4 24 | $1.0B | $240.0M | ||
| Q3 24 | $696.9M | $213.0M | ||
| Q2 24 | $539.1M | $183.0M | ||
| Q1 24 | $520.7M | $263.0M |
| Q4 25 | $943.5M | $6.0B | ||
| Q3 25 | $943.1M | $6.5B | ||
| Q2 25 | $942.6M | $5.7B | ||
| Q1 25 | $942.1M | $6.6B | ||
| Q4 24 | $1.4B | $6.6B | ||
| Q3 24 | $1.4B | $6.4B | ||
| Q2 24 | $1.4B | $6.3B | ||
| Q1 24 | $1.4B | $6.7B |
| Q4 25 | $2.7B | $5.0B | ||
| Q3 25 | $2.7B | $4.8B | ||
| Q2 25 | $370.0M | $4.9B | ||
| Q1 25 | $366.0M | $5.0B | ||
| Q4 24 | $2.8B | $4.6B | ||
| Q3 24 | $2.8B | $4.3B | ||
| Q2 24 | $358.0M | $4.7B | ||
| Q1 24 | $2.6B | $4.8B |
| Q4 25 | $12.5B | $15.8B | ||
| Q3 25 | $12.4B | $15.5B | ||
| Q2 25 | $12.6B | $15.4B | ||
| Q1 25 | $12.5B | $15.7B | ||
| Q4 24 | $12.6B | $15.4B | ||
| Q3 24 | $12.6B | $15.1B | ||
| Q2 24 | $12.6B | $15.1B | ||
| Q1 24 | $12.6B | $15.6B |
| Q4 25 | 0.35× | 1.19× | ||
| Q3 25 | 0.35× | 1.37× | ||
| Q2 25 | 2.55× | 1.17× | ||
| Q1 25 | 2.57× | 1.32× | ||
| Q4 24 | 0.50× | 1.44× | ||
| Q3 24 | 0.50× | 1.48× | ||
| Q2 24 | 3.88× | 1.34× | ||
| Q1 24 | 0.54× | 1.40× |
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 | $66.0M |
| Free Cash FlowOCF − Capex | $166.2M | $-155.0M |
| FCF MarginFCF / Revenue | 14.7% | -7.5% |
| Capex IntensityCapex / Revenue | 0.8% | 10.7% |
| Cash ConversionOCF / Net Profit | — | 0.22× |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $282.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $66.0M | ||
| Q3 25 | $139.9M | $90.0M | ||
| Q2 25 | $89.6M | $289.0M | ||
| Q1 25 | $180.0M | $684.0M | ||
| Q4 24 | $175.1M | $164.0M | ||
| Q3 24 | $141.9M | $151.0M | ||
| Q2 24 | $22.9M | $390.0M | ||
| Q1 24 | $43.0M | $522.0M |
| Q4 25 | $166.2M | $-155.0M | ||
| Q3 25 | $133.4M | $-168.0M | ||
| Q2 25 | $82.0M | $67.0M | ||
| Q1 25 | $172.3M | $538.0M | ||
| Q4 24 | $165.4M | $-47.0M | ||
| Q3 24 | $131.4M | $-115.0M | ||
| Q2 24 | $5.2M | $185.0M | ||
| Q1 24 | $27.7M | $353.0M |
| Q4 25 | 14.7% | -7.5% | ||
| Q3 25 | 10.8% | -14.4% | ||
| Q2 25 | 6.7% | 4.9% | ||
| Q1 25 | 14.4% | 20.4% | ||
| Q4 24 | 13.9% | -2.4% | ||
| Q3 24 | 11.1% | -9.5% | ||
| Q2 24 | 0.5% | 13.7% | ||
| Q1 24 | 2.4% | 14.6% |
| Q4 25 | 0.8% | 10.7% | ||
| Q3 25 | 0.5% | 22.1% | ||
| Q2 25 | 0.6% | 16.3% | ||
| Q1 25 | 0.6% | 5.5% | ||
| Q4 24 | 0.8% | 10.6% | ||
| Q3 24 | 0.9% | 22.0% | ||
| Q2 24 | 1.6% | 15.2% | ||
| Q1 24 | 1.3% | 7.0% |
| Q4 25 | — | 0.22× | ||
| Q3 25 | — | — | ||
| Q2 25 | 1.23× | — | ||
| Q1 25 | 1.81× | 1.43× | ||
| Q4 24 | 1.80× | 0.44× | ||
| Q3 24 | 1.93× | — | ||
| Q2 24 | 0.30× | — | ||
| Q1 24 | 0.60× | 1.05× |
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% |
UGI
Segment breakdown not available.
