vs
Side-by-side financial comparison of KEMPER Corp (KMPR) and ZILLOW GROUP, INC. (ZG). Click either name above to swap in a different company.
KEMPER Corp is the larger business by last-quarter revenue ($1.1B vs $654.0M, roughly 1.7× ZILLOW GROUP, INC.). ZILLOW GROUP, INC. runs the higher net margin — 0.5% vs -0.7%, a 1.2% gap on every dollar of revenue. On growth, ZILLOW GROUP, INC. posted the faster year-over-year revenue change (18.1% vs -4.7%). KEMPER Corp produced more free cash flow last quarter ($166.2M vs $44.0M). Over the past eight quarters, ZILLOW GROUP, INC.'s revenue compounded faster (11.2% 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.
Zillow Group, Inc., or simply Zillow, is an American tech real-estate marketplace company that was founded in 2006 by co-executive chairmen Rich Barton and Lloyd Frink, former Microsoft executives and founders of Microsoft spin-off Expedia; Spencer Rascoff, a co-founder of Hotwire.com; David Beitel, Zillow's current chief technology officer; and Kristin Acker, Zillow's current technology leadership advisor.
KMPR vs ZG — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $654.0M |
| Net Profit | $-8.0M | $3.0M |
| Gross Margin | — | 72.8% |
| Operating Margin | — | -1.7% |
| Net Margin | -0.7% | 0.5% |
| Revenue YoY | -4.7% | 18.1% |
| Net Profit YoY | -108.2% | 105.8% |
| EPS (diluted) | $-0.03 | $0.01 |
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 | $654.0M | ||
| Q3 25 | $1.2B | $676.0M | ||
| Q2 25 | $1.2B | $655.0M | ||
| Q1 25 | $1.2B | $598.0M | ||
| Q4 24 | $1.2B | $554.0M | ||
| Q3 24 | $1.2B | $581.0M | ||
| Q2 24 | $1.1B | $572.0M | ||
| Q1 24 | $1.1B | $529.0M |
| Q4 25 | $-8.0M | $3.0M | ||
| Q3 25 | $-21.0M | $10.0M | ||
| Q2 25 | $72.6M | $2.0M | ||
| Q1 25 | $99.7M | $8.0M | ||
| Q4 24 | $97.4M | $-52.0M | ||
| Q3 24 | $73.7M | $-20.0M | ||
| Q2 24 | $75.4M | $-17.0M | ||
| Q1 24 | $71.3M | $-23.0M |
| Q4 25 | — | 72.8% | ||
| Q3 25 | — | 72.6% | ||
| Q2 25 | — | 74.7% | ||
| Q1 25 | — | 76.8% | ||
| Q4 24 | — | 75.8% | ||
| Q3 24 | — | 75.9% | ||
| Q2 24 | — | 77.3% | ||
| Q1 24 | — | 76.7% |
| Q4 25 | — | -1.7% | ||
| Q3 25 | — | -0.4% | ||
| Q2 25 | — | -1.7% | ||
| Q1 25 | — | -1.5% | ||
| Q4 24 | — | -12.5% | ||
| Q3 24 | 11.2% | -7.7% | ||
| Q2 24 | 10.1% | -6.6% | ||
| Q1 24 | 7.6% | -8.5% |
| Q4 25 | -0.7% | 0.5% | ||
| Q3 25 | -1.7% | 1.5% | ||
| Q2 25 | 5.9% | 0.3% | ||
| Q1 25 | 8.4% | 1.3% | ||
| Q4 24 | 8.2% | -9.4% | ||
| Q3 24 | 6.3% | -3.4% | ||
| Q2 24 | 6.7% | -3.0% | ||
| Q1 24 | 6.2% | -4.3% |
| Q4 25 | $-0.03 | $0.01 | ||
| Q3 25 | $-0.34 | $0.04 | ||
| Q2 25 | $1.12 | $0.01 | ||
| Q1 25 | $1.54 | $0.03 | ||
| Q4 24 | $1.51 | $-0.23 | ||
| Q3 24 | $1.14 | $-0.08 | ||
| Q2 24 | $1.16 | $-0.07 | ||
| Q1 24 | $1.10 | $-0.10 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $768.0M |
| Total DebtLower is stronger | $943.5M | — |
| Stockholders' EquityBook value | $2.7B | $4.9B |
| Total Assets | $12.5B | $5.7B |
| Debt / EquityLower = less leverage | 0.35× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $768.0M | ||
| Q3 25 | $371.2M | $874.0M | ||
| Q2 25 | $407.6M | $587.0M | ||
| Q1 25 | $545.3M | $914.0M | ||
| Q4 24 | $1.0B | $1.1B | ||
| Q3 24 | $696.9M | $1.1B | ||
| Q2 24 | $539.1M | $1.2B | ||
| Q1 24 | $520.7M | $1.4B |
| 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 | $4.9B | ||
| Q3 25 | $2.7B | $5.0B | ||
| Q2 25 | $370.0M | $4.7B | ||
| Q1 25 | $366.0M | $4.8B | ||
| Q4 24 | $2.8B | $4.8B | ||
| Q3 24 | $2.8B | $4.7B | ||
| Q2 24 | $358.0M | $4.5B | ||
| Q1 24 | $2.6B | $4.7B |
| Q4 25 | $12.5B | $5.7B | ||
| Q3 25 | $12.4B | $5.7B | ||
| Q2 25 | $12.6B | $5.4B | ||
| Q1 25 | $12.5B | $5.7B | ||
| Q4 24 | $12.6B | $5.8B | ||
| Q3 24 | $12.6B | $6.2B | ||
| Q2 24 | $12.6B | $6.6B | ||
| Q1 24 | $12.6B | $6.8B |
| 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 | $72.0M |
| Free Cash FlowOCF − Capex | $166.2M | $44.0M |
| FCF MarginFCF / Revenue | 14.7% | 6.7% |
| Capex IntensityCapex / Revenue | 0.8% | 4.3% |
| Cash ConversionOCF / Net Profit | — | 24.00× |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $235.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | $72.0M | ||
| Q3 25 | $139.9M | $105.0M | ||
| Q2 25 | $89.6M | $87.0M | ||
| Q1 25 | $180.0M | $104.0M | ||
| Q4 24 | $175.1M | $122.0M | ||
| Q3 24 | $141.9M | $171.0M | ||
| Q2 24 | $22.9M | $55.0M | ||
| Q1 24 | $43.0M | $80.0M |
| Q4 25 | $166.2M | $44.0M | ||
| Q3 25 | $133.4M | $73.0M | ||
| Q2 25 | $82.0M | $50.0M | ||
| Q1 25 | $172.3M | $68.0M | ||
| Q4 24 | $165.4M | $88.0M | ||
| Q3 24 | $131.4M | $138.0M | ||
| Q2 24 | $5.2M | $18.0M | ||
| Q1 24 | $27.7M | $41.0M |
| Q4 25 | 14.7% | 6.7% | ||
| Q3 25 | 10.8% | 10.8% | ||
| Q2 25 | 6.7% | 7.6% | ||
| Q1 25 | 14.4% | 11.4% | ||
| Q4 24 | 13.9% | 15.9% | ||
| Q3 24 | 11.1% | 23.8% | ||
| Q2 24 | 0.5% | 3.1% | ||
| Q1 24 | 2.4% | 7.8% |
| Q4 25 | 0.8% | 4.3% | ||
| Q3 25 | 0.5% | 4.7% | ||
| Q2 25 | 0.6% | 5.6% | ||
| Q1 25 | 0.6% | 6.0% | ||
| Q4 24 | 0.8% | 6.1% | ||
| Q3 24 | 0.9% | 5.7% | ||
| Q2 24 | 1.6% | 6.5% | ||
| Q1 24 | 1.3% | 7.4% |
| Q4 25 | — | 24.00× | ||
| Q3 25 | — | 10.50× | ||
| Q2 25 | 1.23× | 43.50× | ||
| Q1 25 | 1.81× | 13.00× | ||
| 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% |
ZG
| Residential Revenue | $418.0M | 64% |
| Rental Revenue | $168.0M | 26% |
| Mortgage Revenue | $57.0M | 9% |
| Display Advertising And Other Revenue | $11.0M | 2% |
