Root [ROOT] vs Kemper [KMPR] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Root Inc. wins in 7 metrics, Kemper Corporation wins in 12 metrics, with 0 ties. Kemper Corporation appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Root Inc. | Kemper Corporation | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 23.26 | 14.25 | Kemper Corporation |
| Price-to-Book Ratio | 2.99 | 0.71 | Kemper Corporation |
| Debt-to-Equity Ratio | 51.63 | 56.29 | Root Inc. |
| PEG Ratio | -0.31 | -0.13 | Kemper Corporation |
| EV/EBITDA | 7.84 | 9.48 | Root Inc. |
| Profit Margin (TTM) | 2.53% | 2.99% | Kemper Corporation |
| Operating Margin (TTM) | 2.65% | 2.94% | Kemper Corporation |
| EBITDA Margin (TTM) | 2.65% | 2.94% | Kemper Corporation |
| Return on Equity | 11.32% | 4.86% | Root Inc. |
| Return on Assets (TTM) | 2.44% | 1.18% | Root Inc. |
| Free Cash Flow (TTM) | $192.40M | $553.90M | Kemper Corporation |
| Dividend Yield | N/A | 3.89% | N/A |
| 1-Year Return | -62.57% | -60.34% | Kemper Corporation |
| Price-to-Sales Ratio (TTM) | 0.56 | 0.40 | Kemper Corporation |
| Enterprise Value | $510.12M | $2.95B | Kemper Corporation |
| EV/Revenue Ratio | 0.34 | 0.62 | Root Inc. |
| Revenue per Share (TTM) | $99 | $77 | Root Inc. |
| Earnings per Share (Diluted) | $2.36 | $2.29 | Root Inc. |
| Beta (Stock Volatility) | 2.90 | 1.13 | Kemper Corporation |
| Short % of Float | 16.70% | 6.71% | Kemper Corporation |
Root Inc. vs Kemper Corporation Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Root Inc. | -0.07% | -0.11% | -0.92% | 23.84% | -32.39% | -22.62% |
| Kemper Corporation | 2.16% | 4.88% | -13.91% | -14.08% | -37.92% | -35.34% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Root Inc. | -62.57% | 764.57% | -71.52% | -87.28% | -87.28% | -87.28% |
| Kemper Corporation | -60.34% | -45.41% | -64.08% | -20.77% | -13.00% | -42.48% |
Performance & Financial Health Analysis: Root Inc. vs Kemper Corporation
| Metric | ROOT | KMPR |
|---|---|---|
| Market Information | ||
| Market Cap | $839.33M | $1.92B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 326,024 | 608,599 |
| 90 Day Avg. Volume | 303,905 | 1,058,896 |
| Last Close | $54.86 | $25.56 |
| 52 Week Range | $40.91 - $152.99 | $22.69 - $65.32 |
| % from 52W High | -64.14% | -60.87% |
| All-Time High | $530.64 (Oct 26, 2020) | $91.98 (Apr 29, 2019) |
| % from All-Time High | -89.66% | -72.21% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.22% | -0.05% |
| Quarterly Earnings Growth | -0.76% | -0.05% |
| Financial Health | ||
| Profit Margin (TTM) | 0.03% | 0.03% |
| Operating Margin (TTM) | 0.03% | 0.03% |
| Return on Equity (TTM) | 0.11% | 0.05% |
| Debt to Equity (MRQ) | 51.63 | 56.29 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $18.34 | $45.71 |
| Cash per Share (MRQ) | $43.03 | $7.73 |
| Operating Cash Flow (TTM) | $206.50M | $584.50M |
| Levered Free Cash Flow (TTM) | $83.06M | $2.61B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 3.89% |
| Last 12-Month Dividend | N/A | $1.28 |
Valuation & Enterprise Metrics Analysis: Root Inc. vs Kemper Corporation
| Metric | ROOT (Apr 24, 2026) | KMPR (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 23.26 | 14.25 |
| Forward P/E | 17.16 | 6.35 |
| PEG Ratio | -0.31 | -0.13 |
| Price to Sales (TTM) | 0.56 | 0.40 |
| Price to Book (MRQ) | 2.99 | 0.71 |
| Market Capitalization | ||
| Market Capitalization | $839.33M | $1.92B |
| Enterprise Value | $510.12M | $2.95B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 0.34 | 0.62 |
| Enterprise to EBITDA | 7.84 | 9.48 |
| Risk & Other Metrics | ||
| Beta | 2.90 | 1.13 |
| Book Value per Share (MRQ) | $18.34 | $45.71 |
Financial Statements Comparison: Root Inc. vs Kemper Corporation
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | ROOT (2025) | KMPR (2025) |
|---|---|---|
| Revenue/Sales | 1.52B | 4.78B |
| Cost of Goods Sold | N/A | N/A |
| COGS % of Revenue | 0.0% | 0.0% |
| Gross Profit | N/A | N/A |
| Gross Margin | 0.0% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| Operating Margin | 0.0% | 0.0% |
| EBITDA | N/A | N/A |
| EBITDA Margin | 0.0% | 0.0% |
| Pre-Tax Income | 40.80M | 160.70M |
| Pre-Tax Income % of Revenue | 2.7% | 3.4% |
| Income Tax | -500,000 | 28.10M |
| Income Tax % of Revenue | 0.0% | 0.6% |
| Net Income (Profit) | 41.30M | 132.60M |
| Profit Margin | 2.7% | 2.8% |
Balance Sheet & Liquidity Metrics
| Metric | ROOT (2025) | KMPR (2025) |
|---|---|---|
| Cash & Equivalents | 669.30M | 126.00M |
| Total Current Assets | N/A | N/A |
| Total Current Assets % of Revenue | 0.0% | 0.0% |
| Total Current Liabilities | N/A | N/A |
| Total Current Liabilities % of Revenue | 0.0% | 0.0% |
| Long-Term Debt | 200.30M | 943.50M |
| Long-Term Debt % of Revenue | 13.2% | 19.7% |
| Total Shareholders Equity | 284.30M | 2.67B |
| Retained Earnings | -1.64B | 1.16B |
| Retained Earnings % of Revenue | -108.2% | 24.2% |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison
| Metric | ROOT (2025) | KMPR (2025) |
|---|---|---|
| Operating Cash Flow | 65.70M | 175.00M |
| Operating Cash Flow % of Revenue | 4.3% | 3.7% |
| Capital Expenditures | 0 | N/A |
| Free Cash Flow | 192.40M | 553.90M |
| FCF Margin | 12.7% | 11.6% |
| Debt Repayment | 0 | -450.00M |
| Common Stock Repurchase | 0 | -301.90M |
Short Interest & Institutional Ownership Analysis
| Metric | ROOT | KMPR |
|---|---|---|
| Shares Short | 2.19M | 3.52M |
| Short Ratio | 6.22 | 2.83 |
| Short % of Float | 16.70% | 6.71% |
| Shares Outstanding | 15.51M | 58.67M |
| Float Shares | 12.38M | 58.09M |
| % Held by Insiders | 7.90% | 0.98% |
| % Held by Institutions | 69.95% | 90.24% |
| % Held by Public | 22.15% | 8.78% |
Dividend Analysis & Yield Comparison: Root Inc. vs Kemper Corporation
| Metric | ROOT | KMPR |
|---|---|---|
| Last 12-Month Dividend | N/A | $1.28 |
| Last 12-Month Dividend Yield | N/A | 3.89% |
| 3-Year Avg Annual Dividend | N/A | $1.26 |
| 3-Year Avg Dividend Yield | N/A | 0.63% |
| 3-Year Total Dividends | N/A | $3.77 |
| Ex-Dividend Date | N/A | Feb 17, 2026 |