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Side-by-side financial comparison of KEMPER Corp (KMPR) and SELECTIVE INSURANCE GROUP INC (SIGI). Click either name above to swap in a different company.
SELECTIVE INSURANCE GROUP INC is the larger business by last-quarter revenue ($1.4B vs $1.1B, roughly 1.2× KEMPER Corp). SELECTIVE INSURANCE GROUP INC runs the higher net margin — 7.2% vs -0.7%, a 7.9% gap on every dollar of revenue. On growth, SELECTIVE INSURANCE GROUP INC posted the faster year-over-year revenue change (5.7% vs -4.7%). Over the past eight quarters, SELECTIVE INSURANCE GROUP INC's revenue compounded faster (6.6% CAGR vs -0.5%).
Kemper Corporation is an American insurance provider with corporate headquarters located in Chicago, Illinois. With nearly $13 billion in assets, the Kemper family of companies provides insurance to individuals, families, and businesses.
Selective Insurance Group Inc. is a U.S.-based insurance holding company that provides a comprehensive portfolio of property and casualty insurance products, including personal auto, home insurance, commercial property, liability, and workers' compensation coverage. It primarily serves small and medium-sized businesses, individual consumers, and nonprofits across the U.S., distributing offerings via a network of independent insurance agents.
KMPR vs SIGI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $1.4B |
| Net Profit | $-8.0M | $97.7M |
| Gross Margin | — | — |
| Operating Margin | — | — |
| Net Margin | -0.7% | 7.2% |
| Revenue YoY | -4.7% | 5.7% |
| Net Profit YoY | -108.2% | -37.0% |
| EPS (diluted) | $-0.03 | $1.58 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $1.4B | ||
| Q4 25 | $1.1B | $1.4B | ||
| Q3 25 | $1.2B | $1.4B | ||
| Q2 25 | $1.2B | $1.3B | ||
| Q1 25 | $1.2B | $1.3B | ||
| Q4 24 | $1.2B | $1.3B | ||
| Q3 24 | $1.2B | $1.2B | ||
| Q2 24 | $1.1B | $1.2B |
| Q1 26 | — | $97.7M | ||
| Q4 25 | $-8.0M | $155.2M | ||
| Q3 25 | $-21.0M | $115.3M | ||
| Q2 25 | $72.6M | $85.9M | ||
| Q1 25 | $99.7M | $109.9M | ||
| Q4 24 | $97.4M | $95.5M | ||
| Q3 24 | $73.7M | $92.3M | ||
| Q2 24 | $75.4M | $-63.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | 14.4% | ||
| Q3 25 | — | 10.7% | ||
| Q2 25 | — | 8.2% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | 9.5% | ||
| Q3 24 | 11.2% | 9.4% | ||
| Q2 24 | 10.1% | -6.7% |
| Q1 26 | — | 7.2% | ||
| Q4 25 | -0.7% | 11.4% | ||
| Q3 25 | -1.7% | 8.5% | ||
| Q2 25 | 5.9% | 6.5% | ||
| Q1 25 | 8.4% | 8.6% | ||
| Q4 24 | 8.2% | 7.6% | ||
| Q3 24 | 6.3% | 7.4% | ||
| Q2 24 | 6.7% | -5.3% |
| Q1 26 | — | $1.58 | ||
| Q4 25 | $-0.03 | $2.52 | ||
| Q3 25 | $-0.34 | $1.85 | ||
| Q2 25 | $1.12 | $1.36 | ||
| Q1 25 | $1.54 | $1.76 | ||
| Q4 24 | $1.51 | $1.53 | ||
| Q3 24 | $1.14 | $1.47 | ||
| Q2 24 | $1.16 | $-1.08 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $451.8M |
| Total DebtLower is stronger | $943.5M | $901.4M |
| Stockholders' EquityBook value | $2.7B | $3.6B |
| Total Assets | $12.5B | $15.3B |
| Debt / EquityLower = less leverage | 0.35× | 0.25× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $451.8M | ||
| Q4 25 | — | — | ||
| Q3 25 | $371.2M | — | ||
| Q2 25 | $407.6M | — | ||
| Q1 25 | $545.3M | — | ||
| Q4 24 | $1.0B | — | ||
| Q3 24 | $696.9M | — | ||
| Q2 24 | $539.1M | — |
| Q1 26 | — | $901.4M | ||
| Q4 25 | $943.5M | — | ||
| Q3 25 | $943.1M | — | ||
| Q2 25 | $942.6M | — | ||
| Q1 25 | $942.1M | — | ||
| Q4 24 | $1.4B | $507.9M | ||
| Q3 24 | $1.4B | $508.2M | ||
| Q2 24 | $1.4B | $508.8M |
| Q1 26 | — | $3.6B | ||
| Q4 25 | $2.7B | $3.6B | ||
| Q3 25 | $2.7B | $3.5B | ||
| Q2 25 | $370.0M | $3.4B | ||
| Q1 25 | $366.0M | $3.3B | ||
| Q4 24 | $2.8B | $3.1B | ||
| Q3 24 | $2.8B | $3.2B | ||
| Q2 24 | $358.0M | $2.9B |
| Q1 26 | — | $15.3B | ||
| Q4 25 | $12.5B | $15.2B | ||
| Q3 25 | $12.4B | $15.0B | ||
| Q2 25 | $12.6B | $14.5B | ||
| Q1 25 | $12.5B | $14.2B | ||
| Q4 24 | $12.6B | $13.5B | ||
| Q3 24 | $12.6B | $13.5B | ||
| Q2 24 | $12.6B | $12.6B |
| Q1 26 | — | 0.25× | ||
| Q4 25 | 0.35× | — | ||
| Q3 25 | 0.35× | — | ||
| Q2 25 | 2.55× | — | ||
| Q1 25 | 2.57× | — | ||
| Q4 24 | 0.50× | 0.16× | ||
| Q3 24 | 0.50× | 0.16× | ||
| Q2 24 | 3.88× | 0.17× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $175.0M | — |
| Free Cash FlowOCF − Capex | $166.2M | — |
| FCF MarginFCF / Revenue | 14.7% | — |
| Capex IntensityCapex / Revenue | 0.8% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $175.0M | $376.3M | ||
| Q3 25 | $139.9M | $405.8M | ||
| Q2 25 | $89.6M | $166.9M | ||
| Q1 25 | $180.0M | $284.0M | ||
| Q4 24 | $175.1M | $332.2M | ||
| Q3 24 | $141.9M | $387.4M | ||
| Q2 24 | $22.9M | $266.1M |
| Q1 26 | — | — | ||
| Q4 25 | $166.2M | $366.3M | ||
| Q3 25 | $133.4M | $397.3M | ||
| Q2 25 | $82.0M | $159.7M | ||
| Q1 25 | $172.3M | $271.0M | ||
| Q4 24 | $165.4M | $324.7M | ||
| Q3 24 | $131.4M | $378.0M | ||
| Q2 24 | $5.2M | $258.4M |
| Q1 26 | — | — | ||
| Q4 25 | 14.7% | 26.8% | ||
| Q3 25 | 10.8% | 29.2% | ||
| Q2 25 | 6.7% | 12.0% | ||
| Q1 25 | 14.4% | 21.1% | ||
| Q4 24 | 13.9% | 25.8% | ||
| Q3 24 | 11.1% | 30.4% | ||
| Q2 24 | 0.5% | 21.6% |
| Q1 26 | — | — | ||
| Q4 25 | 0.8% | 0.7% | ||
| Q3 25 | 0.5% | 0.6% | ||
| Q2 25 | 0.6% | 0.5% | ||
| Q1 25 | 0.6% | 1.0% | ||
| Q4 24 | 0.8% | 0.6% | ||
| Q3 24 | 0.9% | 0.8% | ||
| Q2 24 | 1.6% | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | 2.42× | ||
| Q3 25 | — | 3.52× | ||
| Q2 25 | 1.23× | 1.94× | ||
| Q1 25 | 1.81× | 2.58× | ||
| Q4 24 | 1.80× | 3.48× | ||
| Q3 24 | 1.93× | 4.20× | ||
| Q2 24 | 0.30× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
KMPR
| Specialty Property Casualty Insurance Segment | $995.1M | 88% |
| Life Insurance Segment1 | $140.7M | 12% |
SIGI
Segment breakdown not available.
