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Side-by-side financial comparison of KEMPER Corp (KMPR) and VinFast Auto Ltd. (VFS). Click either name above to swap in a different company.
KEMPER Corp is the larger business by last-quarter revenue ($1.1B vs $718.6M, roughly 1.6× VinFast Auto Ltd.). KEMPER Corp runs the higher net margin — -0.7% vs -2.8%, a 2.1% gap on every dollar of revenue.
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.
VinFast Auto Ltd. is a Vietnamese multinational automotive company founded by Vingroup, one of the largest private conglomerates in Vietnam that was founded by Phạm Nhật Vượng.
KMPR vs VFS — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $718.6M |
| Net Profit | $-8.0M | $-20.0M |
| Gross Margin | — | — |
| Operating Margin | — | -96.1% |
| Net Margin | -0.7% | -2.8% |
| Revenue YoY | -4.7% | — |
| Net Profit YoY | -108.2% | — |
| EPS (diluted) | $-0.03 | — |
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 | — | ||
| Q3 25 | $1.2B | $718.6M | ||
| Q2 25 | $1.2B | $663.0M | ||
| Q1 25 | $1.2B | $656.5M | ||
| Q4 24 | $1.2B | — | ||
| Q3 24 | $1.2B | $511.6M | ||
| Q2 24 | $1.1B | — | ||
| Q1 24 | $1.1B | $302.6M |
| Q4 25 | $-8.0M | — | ||
| Q3 25 | $-21.0M | $-20.0M | ||
| Q2 25 | $72.6M | $-51.8M | ||
| Q1 25 | $99.7M | $-26.1M | ||
| Q4 24 | $97.4M | — | ||
| Q3 24 | $73.7M | $-10.4M | ||
| Q2 24 | $75.4M | — | ||
| Q1 24 | $71.3M | $-618.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | -96.1% | ||
| Q2 25 | — | -79.0% | ||
| Q1 25 | — | -74.0% | ||
| Q4 24 | — | — | ||
| Q3 24 | 11.2% | -65.9% | ||
| Q2 24 | 10.1% | — | ||
| Q1 24 | 7.6% | -139.4% |
| Q4 25 | -0.7% | — | ||
| Q3 25 | -1.7% | -2.8% | ||
| Q2 25 | 5.9% | -7.8% | ||
| Q1 25 | 8.4% | -4.0% | ||
| Q4 24 | 8.2% | — | ||
| Q3 24 | 6.3% | -2.0% | ||
| Q2 24 | 6.7% | — | ||
| Q1 24 | 6.2% | -204.3% |
| Q4 25 | $-0.03 | — | ||
| Q3 25 | $-0.34 | — | ||
| Q2 25 | $1.12 | — | ||
| Q1 25 | $1.54 | — | ||
| Q4 24 | $1.51 | — | ||
| Q3 24 | $1.14 | — | ||
| Q2 24 | $1.16 | — | ||
| Q1 24 | $1.10 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $8.8M |
| Total DebtLower is stronger | $943.5M | — |
| Stockholders' EquityBook value | $2.7B | — |
| Total Assets | $12.5B | $183.2M |
| Debt / EquityLower = less leverage | 0.35× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | $371.2M | $8.8M | ||
| Q2 25 | $407.6M | $650.0M | ||
| Q1 25 | $545.3M | $2.4M | ||
| Q4 24 | $1.0B | — | ||
| Q3 24 | $696.9M | $1.9M | ||
| Q2 24 | $539.1M | — | ||
| Q1 24 | $520.7M | $3.0M |
| 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 | — | ||
| Q3 25 | $2.7B | — | ||
| Q2 25 | $370.0M | $-7.2B | ||
| Q1 25 | $366.0M | — | ||
| Q4 24 | $2.8B | — | ||
| Q3 24 | $2.8B | — | ||
| Q2 24 | $358.0M | — | ||
| Q1 24 | $2.6B | — |
| Q4 25 | $12.5B | — | ||
| Q3 25 | $12.4B | $183.2M | ||
| Q2 25 | $12.6B | $7.2B | ||
| Q1 25 | $12.5B | $158.2M | ||
| Q4 24 | $12.6B | — | ||
| Q3 24 | $12.6B | $151.8M | ||
| Q2 24 | $12.6B | — | ||
| Q1 24 | $12.6B | $145.6M |
| 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 | — |
| Free Cash FlowOCF − Capex | $166.2M | — |
| FCF MarginFCF / Revenue | 14.7% | — |
| Capex IntensityCapex / Revenue | 0.8% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | — | ||
| Q3 25 | $139.9M | — | ||
| Q2 25 | $89.6M | — | ||
| Q1 25 | $180.0M | — | ||
| Q4 24 | $175.1M | — | ||
| Q3 24 | $141.9M | — | ||
| Q2 24 | $22.9M | — | ||
| Q1 24 | $43.0M | — |
| Q4 25 | $166.2M | — | ||
| Q3 25 | $133.4M | — | ||
| Q2 25 | $82.0M | — | ||
| Q1 25 | $172.3M | — | ||
| Q4 24 | $165.4M | — | ||
| Q3 24 | $131.4M | — | ||
| Q2 24 | $5.2M | — | ||
| Q1 24 | $27.7M | — |
| Q4 25 | 14.7% | — | ||
| Q3 25 | 10.8% | — | ||
| Q2 25 | 6.7% | — | ||
| Q1 25 | 14.4% | — | ||
| Q4 24 | 13.9% | — | ||
| Q3 24 | 11.1% | — | ||
| Q2 24 | 0.5% | — | ||
| Q1 24 | 2.4% | — |
| Q4 25 | 0.8% | — | ||
| Q3 25 | 0.5% | — | ||
| Q2 25 | 0.6% | — | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 0.8% | — | ||
| Q3 24 | 0.9% | — | ||
| Q2 24 | 1.6% | — | ||
| Q1 24 | 1.3% | — |
| 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% |
VFS
| Sales of vehicles | $662.9M | 92% |
| Sales of spare parts and components | $41.3M | 6% |
| Revenue from leasing activities | $12.3M | 2% |
| Finance income | $2.4M | 0% |
| Rendering of services | $1.2M | 0% |
