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Side-by-side financial comparison of KEMPER Corp (KMPR) and Frontier Group Holdings, Inc. (ULCC). Click either name above to swap in a different company.
KEMPER Corp is the larger business by last-quarter revenue ($1.1B vs $997.0M, roughly 1.1× Frontier Group Holdings, Inc.). Frontier Group Holdings, Inc. runs the higher net margin — 5.3% vs -0.7%, a 6.0% gap on every dollar of revenue. On growth, Frontier Group Holdings, Inc. posted the faster year-over-year revenue change (-0.5% vs -4.7%). KEMPER Corp produced more free cash flow last quarter ($166.2M vs $-113.0M). Over the past eight quarters, Frontier Group Holdings, Inc.'s revenue compounded faster (7.4% 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.
Frontier Communications Parent, Inc. is an American telecommunications company with a fiber-optic network and cloud-based services owned by Verizon. It was previously known as Citizens Utilities Co., Citizens Communications Co., and Frontier Communications Corp.
KMPR vs ULCC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $997.0M |
| Net Profit | $-8.0M | $53.0M |
| Gross Margin | — | — |
| Operating Margin | — | 4.9% |
| Net Margin | -0.7% | 5.3% |
| Revenue YoY | -4.7% | -0.5% |
| Net Profit YoY | -108.2% | -1.9% |
| EPS (diluted) | $-0.03 | $0.24 |
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 | $997.0M | ||
| Q3 25 | $1.2B | $886.0M | ||
| Q2 25 | $1.2B | $929.0M | ||
| Q1 25 | $1.2B | $912.0M | ||
| Q4 24 | $1.2B | $1.0B | ||
| Q3 24 | $1.2B | $935.0M | ||
| Q2 24 | $1.1B | $973.0M | ||
| Q1 24 | $1.1B | $865.0M |
| Q4 25 | $-8.0M | $53.0M | ||
| Q3 25 | $-21.0M | $-77.0M | ||
| Q2 25 | $72.6M | $-70.0M | ||
| Q1 25 | $99.7M | $-43.0M | ||
| Q4 24 | $97.4M | $54.0M | ||
| Q3 24 | $73.7M | $26.0M | ||
| Q2 24 | $75.4M | $31.0M | ||
| Q1 24 | $71.3M | $-26.0M |
| Q4 25 | — | 4.9% | ||
| Q3 25 | — | -8.7% | ||
| Q2 25 | — | -8.1% | ||
| Q1 25 | — | -5.0% | ||
| Q4 24 | — | 4.5% | ||
| Q3 24 | 11.2% | 2.0% | ||
| Q2 24 | 10.1% | 2.6% | ||
| Q1 24 | 7.6% | -3.6% |
| Q4 25 | -0.7% | 5.3% | ||
| Q3 25 | -1.7% | -8.7% | ||
| Q2 25 | 5.9% | -7.5% | ||
| Q1 25 | 8.4% | -4.7% | ||
| Q4 24 | 8.2% | 5.4% | ||
| Q3 24 | 6.3% | 2.8% | ||
| Q2 24 | 6.7% | 3.2% | ||
| Q1 24 | 6.2% | -3.0% |
| Q4 25 | $-0.03 | $0.24 | ||
| Q3 25 | $-0.34 | $-0.34 | ||
| Q2 25 | $1.12 | $-0.31 | ||
| Q1 25 | $1.54 | $-0.19 | ||
| Q4 24 | $1.51 | $0.24 | ||
| Q3 24 | $1.14 | $0.11 | ||
| Q2 24 | $1.16 | $0.14 | ||
| Q1 24 | $1.10 | $-0.12 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $671.0M |
| Total DebtLower is stronger | $943.5M | $620.0M |
| Stockholders' EquityBook value | $2.7B | $491.0M |
| Total Assets | $12.5B | $7.2B |
| Debt / EquityLower = less leverage | 0.35× | 1.26× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $671.0M | ||
| Q3 25 | $371.2M | $566.0M | ||
| Q2 25 | $407.6M | $563.0M | ||
| Q1 25 | $545.3M | $686.0M | ||
| Q4 24 | $1.0B | $740.0M | ||
| Q3 24 | $696.9M | $576.0M | ||
| Q2 24 | $539.1M | $658.0M | ||
| Q1 24 | $520.7M | $622.0M |
| Q4 25 | $943.5M | $620.0M | ||
| Q3 25 | $943.1M | $673.0M | ||
| Q2 25 | $942.6M | $565.0M | ||
| Q1 25 | $942.1M | $512.0M | ||
| Q4 24 | $1.4B | $507.0M | ||
| Q3 24 | $1.4B | $474.0M | ||
| Q2 24 | $1.4B | $455.0M | ||
| Q1 24 | $1.4B | $469.0M |
| Q4 25 | $2.7B | $491.0M | ||
| Q3 25 | $2.7B | $434.0M | ||
| Q2 25 | $370.0M | $506.0M | ||
| Q1 25 | $366.0M | $570.0M | ||
| Q4 24 | $2.8B | $604.0M | ||
| Q3 24 | $2.8B | $549.0M | ||
| Q2 24 | $358.0M | $520.0M | ||
| Q1 24 | $2.6B | $484.0M |
| Q4 25 | $12.5B | $7.2B | ||
| Q3 25 | $12.4B | $6.7B | ||
| Q2 25 | $12.6B | $6.5B | ||
| Q1 25 | $12.5B | $6.5B | ||
| Q4 24 | $12.6B | $6.2B | ||
| Q3 24 | $12.6B | $5.8B | ||
| Q2 24 | $12.6B | $5.7B | ||
| Q1 24 | $12.6B | $5.2B |
| Q4 25 | 0.35× | 1.26× | ||
| Q3 25 | 0.35× | 1.55× | ||
| Q2 25 | 2.55× | 1.12× | ||
| Q1 25 | 2.57× | 0.90× | ||
| Q4 24 | 0.50× | 0.84× | ||
| Q3 24 | 0.50× | 0.86× | ||
| Q2 24 | 3.88× | 0.88× | ||
| Q1 24 | 0.54× | 0.97× |
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 | $-91.0M |
| Free Cash FlowOCF − Capex | $166.2M | $-113.0M |
| FCF MarginFCF / Revenue | 14.7% | -11.3% |
| Capex IntensityCapex / Revenue | 0.8% | 2.2% |
| Cash ConversionOCF / Net Profit | — | -1.72× |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $-600.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $-91.0M | ||
| Q3 25 | $139.9M | $-215.0M | ||
| Q2 25 | $89.6M | $-133.0M | ||
| Q1 25 | $180.0M | $-86.0M | ||
| Q4 24 | $175.1M | $87.0M | ||
| Q3 24 | $141.9M | $-156.0M | ||
| Q2 24 | $22.9M | $9.0M | ||
| Q1 24 | $43.0M | $-22.0M |
| Q4 25 | $166.2M | $-113.0M | ||
| Q3 25 | $133.4M | $-217.0M | ||
| Q2 25 | $82.0M | $-166.0M | ||
| Q1 25 | $172.3M | $-104.0M | ||
| Q4 24 | $165.4M | $73.0M | ||
| Q3 24 | $131.4M | $-170.0M | ||
| Q2 24 | $5.2M | $-22.0M | ||
| Q1 24 | $27.7M | $-39.0M |
| Q4 25 | 14.7% | -11.3% | ||
| Q3 25 | 10.8% | -24.5% | ||
| Q2 25 | 6.7% | -17.9% | ||
| Q1 25 | 14.4% | -11.4% | ||
| Q4 24 | 13.9% | 7.3% | ||
| Q3 24 | 11.1% | -18.2% | ||
| Q2 24 | 0.5% | -2.3% | ||
| Q1 24 | 2.4% | -4.5% |
| Q4 25 | 0.8% | 2.2% | ||
| Q3 25 | 0.5% | 0.2% | ||
| Q2 25 | 0.6% | 3.6% | ||
| Q1 25 | 0.6% | 2.0% | ||
| Q4 24 | 0.8% | 1.4% | ||
| Q3 24 | 0.9% | 1.5% | ||
| Q2 24 | 1.6% | 3.2% | ||
| Q1 24 | 1.3% | 2.0% |
| Q4 25 | — | -1.72× | ||
| Q3 25 | — | — | ||
| Q2 25 | 1.23× | — | ||
| Q1 25 | 1.81× | — | ||
| Q4 24 | 1.80× | 1.61× | ||
| Q3 24 | 1.93× | -6.00× | ||
| Q2 24 | 0.30× | 0.29× | ||
| 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% |
ULCC
| Aircraft Fare | $453.0M | 45% |
| Passenger Service Fees | $227.0M | 23% |
| Passenger Baggage | $177.0M | 18% |
| Passenger Seat Selection | $69.0M | 7% |
| Other Passenger Revenue | $36.0M | 4% |
| Other | $35.0M | 4% |
