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Side-by-side financial comparison of KEMPER Corp (KMPR) and XPO, Inc. (XPO). Click either name above to swap in a different company.
XPO, Inc. is the larger business by last-quarter revenue ($2.1B vs $1.1B, roughly 1.9× KEMPER Corp). XPO, Inc. runs the higher net margin — 4.8% vs -0.7%, a 5.5% gap on every dollar of revenue. On growth, XPO, Inc. posted the faster year-over-year revenue change (7.3% vs -4.7%). Over the past eight quarters, XPO, Inc.'s revenue compounded faster (0.4% 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.
XPO, Inc., formerly XPO Logistics, is an American transportation company that conducts less-than-truckload shipping in North America. The company has headquarters in Greenwich, Connecticut, and has 592 locations globally. XPO is the second largest provider of less-than-truckload (LTL) services in North America, operating in 99 percent of all U.S. postal codes.
KMPR vs XPO — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $2.1B |
| Net Profit | $-8.0M | $101.0M |
| Gross Margin | — | — |
| Operating Margin | — | 8.3% |
| Net Margin | -0.7% | 4.8% |
| Revenue YoY | -4.7% | 7.3% |
| Net Profit YoY | -108.2% | 46.4% |
| EPS (diluted) | $-0.03 | $0.85 |
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.
| Q1 26 | — | $2.1B | ||
| Q4 25 | $1.1B | $2.0B | ||
| Q3 25 | $1.2B | $2.1B | ||
| Q2 25 | $1.2B | $2.1B | ||
| Q1 25 | $1.2B | $2.0B | ||
| Q4 24 | $1.2B | $1.9B | ||
| Q3 24 | $1.2B | $2.1B | ||
| Q2 24 | $1.1B | $2.1B |
| Q1 26 | — | $101.0M | ||
| Q4 25 | $-8.0M | $59.0M | ||
| Q3 25 | $-21.0M | $82.0M | ||
| Q2 25 | $72.6M | $106.0M | ||
| Q1 25 | $99.7M | $69.0M | ||
| Q4 24 | $97.4M | $75.0M | ||
| Q3 24 | $73.7M | $95.0M | ||
| Q2 24 | $75.4M | $150.0M |
| Q1 26 | — | 8.3% | ||
| Q4 25 | — | 7.1% | ||
| Q3 25 | — | 7.8% | ||
| Q2 25 | — | 9.5% | ||
| Q1 25 | — | 7.7% | ||
| Q4 24 | — | 7.8% | ||
| Q3 24 | 11.2% | 8.6% | ||
| Q2 24 | 10.1% | 9.5% |
| Q1 26 | — | 4.8% | ||
| Q4 25 | -0.7% | 2.9% | ||
| Q3 25 | -1.7% | 3.9% | ||
| Q2 25 | 5.9% | 5.1% | ||
| Q1 25 | 8.4% | 3.5% | ||
| Q4 24 | 8.2% | 3.9% | ||
| Q3 24 | 6.3% | 4.6% | ||
| Q2 24 | 6.7% | 7.2% |
| Q1 26 | — | $0.85 | ||
| Q4 25 | $-0.03 | $0.49 | ||
| Q3 25 | $-0.34 | $0.68 | ||
| Q2 25 | $1.12 | $0.89 | ||
| Q1 25 | $1.54 | $0.58 | ||
| Q4 24 | $1.51 | $0.63 | ||
| Q3 24 | $1.14 | $0.79 | ||
| Q2 24 | $1.16 | $1.25 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $237.0M |
| Total DebtLower is stronger | $943.5M | $3.3B |
| Stockholders' EquityBook value | $2.7B | $1.9B |
| Total Assets | $12.5B | $8.2B |
| Debt / EquityLower = less leverage | 0.35× | 1.77× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $237.0M | ||
| Q4 25 | — | $310.0M | ||
| Q3 25 | $371.2M | $335.0M | ||
| Q2 25 | $407.6M | $225.0M | ||
| Q1 25 | $545.3M | $212.0M | ||
| Q4 24 | $1.0B | $246.0M | ||
| Q3 24 | $696.9M | $378.0M | ||
| Q2 24 | $539.1M | $250.0M |
| Q1 26 | — | $3.3B | ||
| 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 26 | — | $1.9B | ||
| Q4 25 | $2.7B | $1.9B | ||
| Q3 25 | $2.7B | $1.8B | ||
| Q2 25 | $370.0M | $1.8B | ||
| Q1 25 | $366.0M | $1.6B | ||
| Q4 24 | $2.8B | $1.6B | ||
| Q3 24 | $2.8B | $1.6B | ||
| Q2 24 | $358.0M | $1.5B |
| Q1 26 | — | $8.2B | ||
| Q4 25 | $12.5B | $8.2B | ||
| Q3 25 | $12.4B | $8.2B | ||
| Q2 25 | $12.6B | $8.1B | ||
| Q1 25 | $12.5B | $7.9B | ||
| Q4 24 | $12.6B | $7.7B | ||
| Q3 24 | $12.6B | $7.9B | ||
| Q2 24 | $12.6B | $7.7B |
| Q1 26 | — | 1.77× | ||
| 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× | — |
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 | $183.0M |
| Free Cash FlowOCF − Capex | $166.2M | — |
| FCF MarginFCF / Revenue | 14.7% | — |
| Capex IntensityCapex / Revenue | 0.8% | — |
| Cash ConversionOCF / Net Profit | — | 1.81× |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $183.0M | ||
| Q4 25 | $175.0M | — | ||
| Q3 25 | $139.9M | $371.0M | ||
| Q2 25 | $89.6M | $247.0M | ||
| Q1 25 | $180.0M | $142.0M | ||
| Q4 24 | $175.1M | $189.0M | ||
| Q3 24 | $141.9M | $264.0M | ||
| Q2 24 | $22.9M | $210.0M |
| Q1 26 | — | — | ||
| Q4 25 | $166.2M | — | ||
| Q3 25 | $133.4M | $215.0M | ||
| Q2 25 | $82.0M | $51.0M | ||
| Q1 25 | $172.3M | $-57.0M | ||
| Q4 24 | $165.4M | $23.0M | ||
| Q3 24 | $131.4M | $137.0M | ||
| Q2 24 | $5.2M | $20.0M |
| Q1 26 | — | — | ||
| Q4 25 | 14.7% | — | ||
| Q3 25 | 10.8% | 10.2% | ||
| Q2 25 | 6.7% | 2.5% | ||
| Q1 25 | 14.4% | -2.9% | ||
| Q4 24 | 13.9% | 1.2% | ||
| Q3 24 | 11.1% | 6.7% | ||
| Q2 24 | 0.5% | 1.0% |
| Q1 26 | — | — | ||
| Q4 25 | 0.8% | 5.3% | ||
| Q3 25 | 0.5% | 7.4% | ||
| Q2 25 | 0.6% | 9.4% | ||
| Q1 25 | 0.6% | 10.2% | ||
| Q4 24 | 0.8% | 8.6% | ||
| Q3 24 | 0.9% | 6.2% | ||
| Q2 24 | 1.6% | 9.1% |
| Q1 26 | — | 1.81× | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 4.52× | ||
| Q2 25 | 1.23× | 2.33× | ||
| Q1 25 | 1.81× | 2.06× | ||
| Q4 24 | 1.80× | 2.52× | ||
| Q3 24 | 1.93× | 2.78× | ||
| Q2 24 | 0.30× | 1.40× |
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% |
XPO
Segment breakdown not available.
