COMP <GO>
KMPR vs HMN // ALTMAN Z-SCORE & DEBT/EQUITY
Kemper Corporation (NYSE) VS. Horace Mann Educators Corporation (NYSE) • 15-METRIC TALLY: KMPR 3
— HMN 5
■ METRIC PARITY
LAST: $32.57 (+10.48%) • MKT CAP: $1.92B
balance-sheet
—
LAST: $46.62 (+1.79%) • MKT CAP: $1.89B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (KMPR VS. HMN)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | KMPR | HMN | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 5.30% | 10.90% | -5.60 | HMN | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 3.00% | 9.50% | -6.50 | HMN | /net-margins <GO> |
| Revenue Growth (YoY) | 3.30% | 6.70% | -3.40 | HMN | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 4.15% | 3.02% | +1.13 | KMPR | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 6/9 | -2.00 | HMN | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 75.2 | 51.0 | +24.18 | KMPR | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.5x | 10.8x | +1.70 | HMN | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.92B | $1.89B | $31.0M | KMPR | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | KMPR REV | HMN REV | KMPR GROSS % | HMN GROSS % | KMPR FCF | HMN FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $4.79B | $1.70B | — | — | $584.5M | $553.2M |
| FY 2024 | $4.64B | $1.60B | — | — | $382.9M | $452.1M |
| FY 2023 | $4.94B | $1.49B | — | — | -$134.2M | $302.1M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
KMPR // BETA —
HMN // BETA —