Kemper vs Selective Insurance Group
Kemper and Selective Insurance Group are similar in size: $4.79bn and $5.34bn of revenue in their latest fiscal years. Selective Insurance Group grew faster (9.8% against 3.3%). Selective Insurance Group kept more of each dollar of sales as profit: a net margin of 8.7% against 3.0%. Selective Insurance Group carries less debt relative to equity (25.0% against 35.2%).
| Latest fiscal year | KemperKMPR, 2025 | Selective Insurance GroupSIGI, 2025 |
|---|---|---|
| Revenue | $4.79bn | $5.34bn |
| Revenue growth | 3.3% | 9.8% |
| Net income | $143m | $466m |
| Operating margin | — | — |
| Net margin | 3.0% | 8.7% |
| Return on equity | 5.2% | 13.9% |
| Free cash flow | $554m | $1.19bn |
| Cash | $126m | $18.0m |
| Total debt | $944m | $902m |
| Debt to equity | 35.2% | 25.0% |
| Dividend per share | $1.28 | $1.57 |
| Dividend yield | 3.7% | 1.7% |
| Share buybacks | $302m | $92.6m |
| Employees | 7,400 | 2,800 |
| Market value | $1.99bn | $6.01bn |
| Price vs our value range | — | — |
| Moat score | 55 (Moderate) | — |
| Insider trades, 12 months | 6 buys, 1 sales | 1 buys, 3 sales |