Safety Insurance [SAFT] vs Kemper [KMPR] Detailed Stock Comparison

Safety Insurance Group Inc.

NASDAQ
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Kemper Corporation

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Safety Insurance Group Inc. wins in 15 metrics, Kemper Corporation wins in 5 metrics, with 0 ties. Safety Insurance Group Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Safety Insurance Group Inc. Kemper Corporation Better
P/E Ratio (TTM) 11.36 14.25 Safety Insurance Group Inc.
Price-to-Book Ratio 1.25 0.71 Kemper Corporation
Debt-to-Equity Ratio 6.93 56.29 Safety Insurance Group Inc.
PEG Ratio 0.08 -0.13 Safety Insurance Group Inc.
EV/EBITDA 8.16 9.48 Safety Insurance Group Inc.
Profit Margin (TTM) 7.85% 2.99% Safety Insurance Group Inc.
Operating Margin (TTM) 8.13% 2.94% Safety Insurance Group Inc.
EBITDA Margin (TTM) 8.13% 2.94% Safety Insurance Group Inc.
Return on Equity 11.54% 4.86% Safety Insurance Group Inc.
Return on Assets (TTM) 3.38% 1.18% Safety Insurance Group Inc.
Free Cash Flow (TTM) $191.99M $553.90M Kemper Corporation
Dividend Yield 5.81% 3.89% Safety Insurance Group Inc.
1-Year Return -8.81% -60.34% Safety Insurance Group Inc.
Price-to-Sales Ratio (TTM) 0.88 0.40 Kemper Corporation
Enterprise Value $1.10B $2.95B Kemper Corporation
EV/Revenue Ratio 0.87 0.62 Kemper Corporation
Revenue per Share (TTM) $86 $77 Safety Insurance Group Inc.
Earnings per Share (Diluted) $6.70 $2.29 Safety Insurance Group Inc.
Beta (Stock Volatility) 0.22 1.13 Safety Insurance Group Inc.
Short % of Float 1.85% 6.71% Safety Insurance Group Inc.

Safety Insurance Group Inc. vs Kemper Corporation Stock Performance Analysis

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SAFT
KMPR

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Safety Insurance Group Inc.-0.49%2.36%0.61%-2.82%-8.58%-5.61%
Kemper Corporation2.16%4.88%-13.91%-14.08%-37.92%-35.34%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Safety Insurance Group Inc.-8.81%-2.07%-8.73%19.25%71.84%57.13%
Kemper Corporation-60.34%-45.41%-64.08%-20.77%-13.00%-42.48%

Performance & Financial Health Analysis: Safety Insurance Group Inc. vs Kemper Corporation

MetricSAFTKMPR
Market Information
Market Cap i$1.12B$1.92B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i83,325608,599
90 Day Avg. Volume i95,4021,058,896
Last Close$71.46$25.56
52 Week Range$67.04 - $81.49$22.69 - $65.32
% from 52W High-12.31%-60.87%
All-Time High$103.96 (Sep 23, 2019)$91.98 (Apr 29, 2019)
% from All-Time High-31.26%-72.21%
Growth Metrics
Quarterly Revenue Growth0.11%-0.05%
Quarterly Earnings Growth1.47%-0.05%
Financial Health
Profit Margin (TTM) i0.08%0.03%
Operating Margin (TTM) i0.08%0.03%
Return on Equity (TTM) i0.12%0.05%
Debt to Equity (MRQ) i6.9356.29
Cash & Liquidity
Book Value per Share (MRQ)$60.99$45.71
Cash per Share (MRQ)$5.05$7.73
Operating Cash Flow (TTM) i$194.50M$584.50M
Levered Free Cash Flow (TTM) i$204.97M$2.61B
Dividends
Last 12-Month Dividend Yield i5.81%3.89%
Last 12-Month Dividend i$4.56$1.28

Valuation & Enterprise Metrics Analysis: Safety Insurance Group Inc. vs Kemper Corporation

MetricSAFT (Apr 26, 2026)KMPR (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i11.3614.25
Forward P/E i12.186.35
PEG Ratio i0.08-0.13
Price to Sales (TTM) i0.880.40
Price to Book (MRQ) i1.250.71
Market Capitalization
Market Capitalization i$1.12B$1.92B
Enterprise Value i$1.10B$2.95B
Enterprise Value Metrics
Enterprise to Revenue i0.870.62
Enterprise to EBITDA i8.169.48
Risk & Other Metrics
Beta i0.221.13
Book Value per Share (MRQ) i$60.99$45.71

Financial Statements Comparison: Safety Insurance Group 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

MetricSAFT (2025)KMPR (2025)
Revenue/Sales i1.25B4.78B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i126.68M160.70M
Pre-Tax Income % of Revenue i10.1%3.4%
Income Tax i27.43M28.10M
Income Tax % of Revenue i2.2%0.6%
Net Income (Profit) i99.26M132.60M
Profit Margin i7.9%2.8%

Balance Sheet & Liquidity Metrics

MetricSAFT (2025)KMPR (2025)
Cash & Equivalents i73.90M126.00M
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i11.86M943.50M
Long-Term Debt % of Revenue i0.9%19.7%
Total Shareholders Equity i892.31M2.67B
Retained Earnings i844.06M1.16B
Retained Earnings % of Revenue i67.3%24.2%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricSAFT (2025)KMPR (2025)
Operating Cash Flow i86.33M175.00M
Operating Cash Flow % of Revenue i6.9%3.7%
Capital Expenditures i-2.51MN/A
Free Cash Flow i191.99M553.90M
FCF Margin i15.3%11.6%
Debt Repayment i-30.00M-450.00M
Common Stock Repurchase i-20.00M-301.90M

Short Interest & Institutional Ownership Analysis

MetricSAFTKMPR
Shares Short i161,8553.52M
Short Ratio i1.772.83
Short % of Float i1.85%6.71%
Shares Outstanding i14.63M58.67M
Float Shares i14.30M58.09M
% Held by Insiders i2.12%0.98%
% Held by Institutions i86.25%90.24%
% Held by Public i11.63%8.78%

Dividend Analysis & Yield Comparison: Safety Insurance Group Inc. vs Kemper Corporation

MetricSAFTKMPR
Last 12-Month Dividend i$4.56$1.28
Last 12-Month Dividend Yield i5.81%3.89%
3-Year Avg Annual Dividend i$3.92$1.26
3-Year Avg Dividend Yield i1.17%0.63%
3-Year Total Dividends i$11.76$3.77
Ex-Dividend DateMar 02, 2026Feb 17, 2026