Horace Mann Educators vs Kemper
Kemper reported revenue of $4.8 billion in fiscal 2025, 2.8 times Horace Mann Educators' $1.7 billion in fiscal 2025. Horace Mann Educators' revenue grew 6.7% in its latest year, and Kemper's grew 3.3%.
Side by side
| Horace Mann Educators | Kemper | |
|---|---|---|
| Latest fiscal year | FY2025, Dec 31, 2025 | FY2025, Dec 31, 2025 |
| Revenue | $1.7B | $4.8B |
| Revenue growth | 6.7% | 3.3% |
| Revenue growth a year, last 5 years | 5.4% | −1.7% |
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 9.5% | 3.0% |
| Free cash flow | — | $554M |
| Free cash flow margin | — | 11.6% |
| Return on capital | — | 4.3% |
| Net debt to EBITDA | −19.4x | 3.0x |
| Dividends and buybacks | $78M | $382M |
| Change in diluted share count | 0.2% | −3.4% |
| Last close | $53.25 | $33.39 |
| P/E at the last close | 12.4× | — |
| Insider trades, last 12 months | bought $157,187, sold $4.0 million | bought $1.3 million, sold $17,469 |
| Piotroski F-score | — | — |
Amounts in each company's own currency, US$ unless marked (a foreign company may report in another), each company's latest fiscal year from its 10-K, or 20-F or 40-F for a foreign company. Growth rates compare with the year before; the five-year rate is the average a year. Free cash flow is cash from operations minus capital spending; return on capital is after-tax operating income over the money invested in the business; P/E is the last close over the latest earnings per share. Banks are measured differently (return on equity, efficiency ratio), so some rows apply to one company only.
Ten years
Revenue
US$ billions, fiscal years
Horace Mann EducatorsKemper
Operating margin
Percent of revenue
Horace Mann EducatorsKemper
Free cash flow
US$ billions. Cash from operations minus capital expenditure.
Horace Mann EducatorsKemper
Source: the companies' Form 10-K filings, from SEC EDGAR, and the last close. For information only, not investment advice: the figures describe results, not which company is the better investment. The Filing Desk is not affiliated with either company. Full figures on the Horace Mann Educators and Kemper pages.