United Fire [UFCS] vs Kemper [KMPR] Detailed Stock Comparison

United Fire Group, Inc.

NASDAQ
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Kemper Corporation

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: United Fire Group, Inc. wins in 13 metrics, Kemper Corporation wins in 7 metrics, with 0 ties. United Fire Group, Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric United Fire Group, Inc. Kemper Corporation Better
P/E Ratio (TTM) 8.92 14.25 United Fire Group, Inc.
Price-to-Book Ratio 1.08 0.71 Kemper Corporation
Debt-to-Equity Ratio 16.93 56.29 United Fire Group, Inc.
PEG Ratio 0.42 -0.13 United Fire Group, Inc.
EV/EBITDA 6.02 9.48 United Fire Group, Inc.
Profit Margin (TTM) 8.53% 2.99% United Fire Group, Inc.
Operating Margin (TTM) 14.05% 2.94% United Fire Group, Inc.
EBITDA Margin (TTM) 14.05% 2.94% United Fire Group, Inc.
Return on Equity 13.72% 4.86% United Fire Group, Inc.
Return on Assets (TTM) 2.72% 1.18% United Fire Group, Inc.
Free Cash Flow (TTM) $263.30M $553.90M Kemper Corporation
Dividend Yield 2.12% 3.89% Kemper Corporation
1-Year Return 55.82% -61.29% United Fire Group, Inc.
Price-to-Sales Ratio (TTM) 0.74 0.40 Kemper Corporation
Enterprise Value $1.02B $2.95B Kemper Corporation
EV/Revenue Ratio 0.74 0.62 Kemper Corporation
Revenue per Share (TTM) $54 $77 Kemper Corporation
Earnings per Share (Diluted) $4.48 $2.29 United Fire Group, Inc.
Beta (Stock Volatility) 0.41 1.13 United Fire Group, Inc.
Short % of Float 1.63% 6.71% United Fire Group, Inc.

United Fire Group, Inc. vs Kemper Corporation Stock Performance Analysis

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UFCS
KMPR

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
United Fire Group, Inc.-1.19%-4.13%10.07%12.21%19.41%21.36%
Kemper Corporation-5.57%-12.43%-31.74%-28.19%-41.63%-42.07%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
United Fire Group, Inc.55.82%99.68%45.30%6.49%144.24%40.51%
Kemper Corporation-61.29%-44.08%-66.50%-22.49%-14.75%-46.14%

Performance & Financial Health Analysis: United Fire Group, Inc. vs Kemper Corporation

MetricUFCSKMPR
Market Information
Market Cap i$1.02B$1.92B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i95,655608,599
90 Day Avg. Volume i103,4351,058,896
Last Close$43.18$22.90
52 Week Range$25.79 - $49.94$22.69 - $65.32
% from 52W High-13.54%-64.94%
All-Time High$61.56 (Jul 23, 2018)$91.98 (Apr 29, 2019)
% from All-Time High-29.86%-75.10%
Growth Metrics
Quarterly Revenue Growth0.10%-0.05%
Quarterly Earnings Growth0.22%-0.05%
Financial Health
Profit Margin (TTM) i0.09%0.03%
Operating Margin (TTM) i0.14%0.03%
Return on Equity (TTM) i0.14%0.05%
Debt to Equity (MRQ) i16.9356.29
Cash & Liquidity
Book Value per Share (MRQ)$36.88$45.71
Cash per Share (MRQ)$6.13$7.73
Operating Cash Flow (TTM) i$269.74M$584.50M
Levered Free Cash Flow (TTM) i$-1,115,687,936$2.61B
Dividends
Last 12-Month Dividend Yield i2.12%3.89%
Last 12-Month Dividend i$0.84$1.28

Valuation & Enterprise Metrics Analysis: United Fire Group, Inc. vs Kemper Corporation

MetricUFCS (Apr 24, 2026)KMPR (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i8.9214.25
Forward P/E i10.716.35
PEG Ratio i0.42-0.13
Price to Sales (TTM) i0.740.40
Price to Book (MRQ) i1.080.71
Market Capitalization
Market Capitalization i$1.02B$1.92B
Enterprise Value i$1.02B$2.95B
Enterprise Value Metrics
Enterprise to Revenue i0.740.62
Enterprise to EBITDA i6.029.48
Risk & Other Metrics
Beta i0.411.13
Book Value per Share (MRQ) i$36.88$45.71

Financial Statements Comparison: United Fire 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

MetricUFCS (2025)KMPR (2025)
Revenue/Sales i1.39B4.78B
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 i147.94M160.70M
Pre-Tax Income % of Revenue i10.7%3.4%
Income Tax i29.75M28.10M
Income Tax % of Revenue i2.1%0.6%
Net Income (Profit) i118.19M132.60M
Profit Margin i8.5%2.8%

Balance Sheet & Liquidity Metrics

MetricUFCS (2025)KMPR (2025)
Cash & Equivalents i156.33M126.00M
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 i146.20M943.50M
Long-Term Debt % of Revenue i10.5%19.7%
Total Shareholders Equity i941.17M2.67B
Retained Earnings i722.32M1.16B
Retained Earnings % of Revenue i52.0%24.2%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricUFCS (2025)KMPR (2025)
Operating Cash Flow i89.34M175.00M
Operating Cash Flow % of Revenue i6.4%3.7%
Capital Expenditures i-6.45MN/A
Free Cash Flow i263.30M553.90M
FCF Margin i19.0%11.6%
Debt Repayment iN/A-450.00M
Common Stock Repurchase i-993,000-301.90M

Short Interest & Institutional Ownership Analysis

MetricUFCSKMPR
Shares Short i292,4283.52M
Short Ratio i2.842.83
Short % of Float i1.63%6.71%
Shares Outstanding i25.52M58.67M
Float Shares i22.08M58.09M
% Held by Insiders i17.43%0.98%
% Held by Institutions i67.88%90.24%
% Held by Public i14.69%8.78%

Dividend Analysis & Yield Comparison: United Fire Group, Inc. vs Kemper Corporation

MetricUFCSKMPR
Last 12-Month Dividend i$0.84$1.28
Last 12-Month Dividend Yield i2.12%3.89%
3-Year Avg Annual Dividend i$0.71$1.26
3-Year Avg Dividend Yield i0.63%0.63%
3-Year Total Dividends i$2.12$3.77
Ex-Dividend DateFeb 24, 2026Feb 17, 2026