Kemper vs White Mountains Insurance Group
Kemper is the larger business, with $4.79bn of revenue in fiscal 2025 against $3.73bn for White Mountains Insurance Group (1.3 times as much). White Mountains Insurance Group grew faster (66.8% against 3.3%). White Mountains Insurance Group kept more of each dollar of sales as profit: a net margin of 29.6% against 3.0%. White Mountains Insurance Group carries less debt relative to equity (15.7% against 35.2%).
| Latest fiscal year | KemperKMPR, 2025 | White Mountains Insurance GroupWTM, 2025 |
|---|---|---|
| Revenue | $4.79bn | $3.73bn |
| Revenue growth | 3.3% | 66.8% |
| Net income | $143m | $1.11bn |
| Operating margin | — | — |
| Net margin | 3.0% | 29.6% |
| Return on equity | 5.2% | 22.3% |
| Free cash flow | $554m | — |
| Cash | $126m | $186m |
| Total debt | $944m | $852m |
| Debt to equity | 35.2% | 15.7% |
| Dividend per share | $1.28 | $1.00 |
| Dividend yield | 3.7% | 0.0% |
| Share buybacks | $302m | $203m |
| Employees | 7,400 | 1,648 |
| Market value | $1.99bn | $5.50bn |
| Price vs our value range | — | — |
| Moat score | 55 (Moderate) | 77 (Strong) |
| Insider trades, 12 months | 6 buys, 1 sales | 0 buys, 4 sales |