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Side-by-side financial comparison of KEMPER Corp (KMPR) and WATTS WATER TECHNOLOGIES INC (WTS). Click either name above to swap in a different company.
KEMPER Corp is the larger business by last-quarter revenue ($1.1B vs $625.1M, roughly 1.8× WATTS WATER TECHNOLOGIES INC). WATTS WATER TECHNOLOGIES INC runs the higher net margin — 13.4% vs -0.7%, a 14.1% gap on every dollar of revenue. On growth, WATTS WATER TECHNOLOGIES INC posted the faster year-over-year revenue change (15.7% vs -4.7%). KEMPER Corp produced more free cash flow last quarter ($166.2M vs $140.3M). Over the past eight quarters, WATTS WATER TECHNOLOGIES INC's revenue compounded faster (4.6% 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.
AERCO International, Inc. is a manufacturer and supplier of commercial condensing boilers, high efficiency water heating equipment and energy recovery systems in the HVAC/plumbing industry across a variety of markets including education, lodging, government, office buildings, healthcare, industrial and multifamily housing. In 1949, AERCO introduced the industry's first semi-instantaneous, tankless steam-to-water water heater. In 1988, AERCO introduced the first condensing and fully modulating...
KMPR vs WTS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $625.1M |
| Net Profit | $-8.0M | $83.7M |
| Gross Margin | — | 49.5% |
| Operating Margin | — | 18.2% |
| Net Margin | -0.7% | 13.4% |
| Revenue YoY | -4.7% | 15.7% |
| Net Profit YoY | -108.2% | 24.0% |
| EPS (diluted) | $-0.03 | $2.50 |
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 | $625.1M | ||
| Q3 25 | $1.2B | $611.7M | ||
| Q2 25 | $1.2B | $643.7M | ||
| Q1 25 | $1.2B | $558.0M | ||
| Q4 24 | $1.2B | $540.4M | ||
| Q3 24 | $1.2B | $543.6M | ||
| Q2 24 | $1.1B | $597.3M | ||
| Q1 24 | $1.1B | $570.9M |
| Q4 25 | $-8.0M | $83.7M | ||
| Q3 25 | $-21.0M | $82.2M | ||
| Q2 25 | $72.6M | $100.9M | ||
| Q1 25 | $99.7M | $74.0M | ||
| Q4 24 | $97.4M | $67.5M | ||
| Q3 24 | $73.7M | $69.1M | ||
| Q2 24 | $75.4M | $82.0M | ||
| Q1 24 | $71.3M | $72.6M |
| Q4 25 | — | 49.5% | ||
| Q3 25 | — | 48.8% | ||
| Q2 25 | — | 50.6% | ||
| Q1 25 | — | 48.8% | ||
| Q4 24 | — | 46.7% | ||
| Q3 24 | — | 47.3% | ||
| Q2 24 | — | 47.7% | ||
| Q1 24 | — | 46.9% |
| Q4 25 | — | 18.2% | ||
| Q3 25 | — | 18.2% | ||
| Q2 25 | — | 21.0% | ||
| Q1 25 | — | 15.7% | ||
| Q4 24 | — | 16.5% | ||
| Q3 24 | 11.2% | 17.1% | ||
| Q2 24 | 10.1% | 18.7% | ||
| Q1 24 | 7.6% | 16.9% |
| Q4 25 | -0.7% | 13.4% | ||
| Q3 25 | -1.7% | 13.4% | ||
| Q2 25 | 5.9% | 15.7% | ||
| Q1 25 | 8.4% | 13.3% | ||
| Q4 24 | 8.2% | 12.5% | ||
| Q3 24 | 6.3% | 12.7% | ||
| Q2 24 | 6.7% | 13.7% | ||
| Q1 24 | 6.2% | 12.7% |
| Q4 25 | $-0.03 | $2.50 | ||
| Q3 25 | $-0.34 | $2.45 | ||
| Q2 25 | $1.12 | $3.01 | ||
| Q1 25 | $1.54 | $2.21 | ||
| Q4 24 | $1.51 | $2.02 | ||
| Q3 24 | $1.14 | $2.06 | ||
| Q2 24 | $1.16 | $2.44 | ||
| Q1 24 | $1.10 | $2.17 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $405.5M |
| Total DebtLower is stronger | $943.5M | — |
| Stockholders' EquityBook value | $2.7B | $2.0B |
| Total Assets | $12.5B | $2.9B |
| Debt / EquityLower = less leverage | 0.35× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $405.5M | ||
| Q3 25 | $371.2M | $457.7M | ||
| Q2 25 | $407.6M | $369.3M | ||
| Q1 25 | $545.3M | $336.8M | ||
| Q4 24 | $1.0B | $386.9M | ||
| Q3 24 | $696.9M | $303.9M | ||
| Q2 24 | $539.1M | $279.4M | ||
| Q1 24 | $520.7M | $237.1M |
| 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 | $2.0B | ||
| Q3 25 | $2.7B | $2.0B | ||
| Q2 25 | $370.0M | $1.9B | ||
| Q1 25 | $366.0M | $1.8B | ||
| Q4 24 | $2.8B | $1.7B | ||
| Q3 24 | $2.8B | $1.7B | ||
| Q2 24 | $358.0M | $1.6B | ||
| Q1 24 | $2.6B | $1.6B |
| Q4 25 | $12.5B | $2.9B | ||
| Q3 25 | $12.4B | $2.7B | ||
| Q2 25 | $12.6B | $2.6B | ||
| Q1 25 | $12.5B | $2.5B | ||
| Q4 24 | $12.6B | $2.4B | ||
| Q3 24 | $12.6B | $2.4B | ||
| Q2 24 | $12.6B | $2.4B | ||
| Q1 24 | $12.6B | $2.3B |
| 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 | $154.7M |
| Free Cash FlowOCF − Capex | $166.2M | $140.3M |
| FCF MarginFCF / Revenue | 14.7% | 22.4% |
| Capex IntensityCapex / Revenue | 0.8% | 2.3% |
| Cash ConversionOCF / Net Profit | — | 1.85× |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $356.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $154.7M | ||
| Q3 25 | $139.9M | $122.4M | ||
| Q2 25 | $89.6M | $69.7M | ||
| Q1 25 | $180.0M | $55.2M | ||
| Q4 24 | $175.1M | $139.5M | ||
| Q3 24 | $141.9M | $90.7M | ||
| Q2 24 | $22.9M | $85.3M | ||
| Q1 24 | $43.0M | $45.6M |
| Q4 25 | $166.2M | $140.3M | ||
| Q3 25 | $133.4M | $110.9M | ||
| Q2 25 | $82.0M | $59.5M | ||
| Q1 25 | $172.3M | $45.6M | ||
| Q4 24 | $165.4M | $127.5M | ||
| Q3 24 | $131.4M | $84.3M | ||
| Q2 24 | $5.2M | $78.5M | ||
| Q1 24 | $27.7M | $35.5M |
| Q4 25 | 14.7% | 22.4% | ||
| Q3 25 | 10.8% | 18.1% | ||
| Q2 25 | 6.7% | 9.2% | ||
| Q1 25 | 14.4% | 8.2% | ||
| Q4 24 | 13.9% | 23.6% | ||
| Q3 24 | 11.1% | 15.5% | ||
| Q2 24 | 0.5% | 13.1% | ||
| Q1 24 | 2.4% | 6.2% |
| Q4 25 | 0.8% | 2.3% | ||
| Q3 25 | 0.5% | 1.9% | ||
| Q2 25 | 0.6% | 1.6% | ||
| Q1 25 | 0.6% | 1.7% | ||
| Q4 24 | 0.8% | 2.2% | ||
| Q3 24 | 0.9% | 1.2% | ||
| Q2 24 | 1.6% | 1.1% | ||
| Q1 24 | 1.3% | 1.8% |
| Q4 25 | — | 1.85× | ||
| Q3 25 | — | 1.49× | ||
| Q2 25 | 1.23× | 0.69× | ||
| Q1 25 | 1.81× | 0.75× | ||
| Q4 24 | 1.80× | 2.07× | ||
| Q3 24 | 1.93× | 1.31× | ||
| Q2 24 | 0.30× | 1.04× | ||
| Q1 24 | 0.60× | 0.63× |
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% |
WTS
Segment breakdown not available.
