COMP <GO>

KMPR vs V // ALTMAN Z-SCORE & DEBT/EQUITY

Kemper Corporation (NYSE) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: KMPR 3 — V 5

■ METRIC PARITY

LAST: $35.08 (+5.60%) • MKT CAP: $2.07B

balance-sheet

—

LAST: $425.51 (+2.88%) • MKT CAP: $760.28B

balance-sheet

9.09

15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (KMPR VS. V) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	KMPR	V	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	5.30%	32.30%	-27.00	V	/roic <GO>
EV/EBITDA & P/E Valuation	—	28.9x	—	TIE	/valuation <GO>
Free Cash Flow Yield	—	2.90%	—	TIE	/fcf-yield <GO>
Operating Margin	—	60.00%	—	TIE	/operating-margins <GO>
Net Profit Margin	3.00%	50.10%	-47.10	V	/net-margins <GO>
Revenue Growth (YoY)	3.30%	11.30%	-8.00	V	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	4.15%	0.63%	+3.52	KMPR	/dividend-safety <GO>
Altman Z-Score & Debt/Equity ACTIVE	—	9.09	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	4/9	9/9	-5.00	V	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	77.0	74.2	+2.80	KMPR	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	1.06	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	12.5x	34.0x	-21.50	KMPR	/forward-pe <GO>
Enterprise Scale & Market Cap	$2.07B	$760.28B	-$758.22B	V	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	KMPR REV	V REV	KMPR GROSS %	V GROSS %	KMPR FCF	V FCF
FY 2025	$4.79B	$40.00B	—	—	$584.5M	$21.26B
FY 2024	$4.64B	$35.93B	—	—	$382.9M	$18.33B
FY 2023	$4.94B	$32.65B	—	—	-$134.2M	$19.29B

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

KMPR // BETA —

V // BETA 1.06