BLK
BlackRock, Inc.
BLK has a slight edge over KMPR overall, supported by stronger fundamentals and lower modeled downside.
KMPR
Kemper Corporation
KMPR offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
BLK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BLK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BLK.
KMPR Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Under pressure | |
| N/A | |
| N/A |
KMPR's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like KMPR.
BLK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 19x | $848 | -30% |
| Fair | 22x | $973 | -20% |
| Expensive | 26x | $1,149 | -5.5% |
| Current | 28x | $1,217 | — |
Historical ranges are pointers, not guarantees.
BLK's PE is in its expensive range at 28x.
KMPR PE Valuation
KMPR has no meaningful PE right now: it lost money over the past year.
BLK Forward outlook
There aren't enough analyst estimates for BLK to show an outlook.
KMPR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Decline | |
| Improving | |
| Limited | |
| Low |
Analysts expect KMPR's earnings to grow and its profitability to improve, but its revenue to decline. However, they disagree widely on these estimates.
BLK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $43.87 | +11% |
| Q2 2026 | $41.73 | -0.4% |
| Q1 2026 | $39.73 | -4.7% |
| Q4 2025 | $35.31 | -17% |
| Q3 2025 | $39.42 | -2.7% |
| Q2 2025 | $41.89 | +4% |
| Q1 2025 | $41.69 | +5.9% |
| Q4 2024 | $42.53 | +16% |
BLK has the edge over KMPR on earnings quality, reporting a profit while its opponent remains loss making.
KMPR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.58 | — |
| Q3 2026 | -$7.08 | -285% |
| Q2 2026 | -$8.30 | -256% |
| Q1 2026 | $0.72 | -87% |
| Q4 2025 | $2.29 | -53% |
| Q3 2025 | $3.83 | -8.8% |
| Q2 2025 | $5.31 | +581% |
| Q1 2025 | $5.35 | +$7.25 |
| Q4 2024 | $4.91 | +$9.16 |
KMPR has swung to a loss: it lost $7.08 per share over the past year, after a profit the year before.
BLK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7.8B | +19% |
| Q2 2026 | $7.1B | +31% |
| Q1 2026 | $6.7B | +27% |
| Q4 2025 | $7B | +23% |
| Q3 2025 | $6.5B | +25% |
| Q2 2025 | $5.4B | +13% |
| Q1 2025 | $5.3B | +12% |
| Q4 2024 | $5.7B | +23% |
BLK has the edge over KMPR on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | 0 points |
| Q2 2026 | 35% | +2.8 points |
| Q1 2026 | 42% | +9.8 points |
| Q4 2025 | 24% | -13 points |
| Q3 2025 | 30% | -8.6 points |
| Q2 2025 | 32% | -5.5 points |
| Q1 2025 | 32% | -3.6 points |
| Q4 2024 | 37% | +2.3 points |
BLK's operating margin was 30% last quarter, about level with the same quarter a year ago, near the bottom of its range since 2019.
KMPR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.1B | -12% |
| Q2 2026 | $1.1B | -11% |
| Q1 2026 | $1.1B | -7.2% |
| Q4 2025 | $1.1B | -4.7% |
| Q3 2025 | $1.2B | +5.2% |
| Q2 2025 | $1.2B | +8.5% |
| Q1 2025 | $1.2B | +4.4% |
| Q4 2024 | $1.2B | 0% |
KMPR's revenue has slid since its 2021 peak: $1.1B last quarter, down 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2024 | 11% | +15 points |
| Q2 2024 | 10% | +12 points |
| Q1 2024 | 7.5% | +14 points |
| Q4 2023 | 5.3% | +8.3 points |
| Q3 2023 | -3.3% | 0 points |
| Q2 2023 | -1.9% | +1.8 points |
| Q1 2023 | -6.6% | -0.6 points |
| Q4 2022 | -2.9% | +9.2 points |
KMPR's operating margin was 11% last quarter, up 14 points from the same quarter a year ago, near the top of its range since 2019.
BLK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.6B | +95% |
| Q2 2026 | $1.1B | -12% |
| Q1 2026 | -$1.1B | +$120M |
| Q4 2025 | $2.1B | -15% |
| Q2 2025 | $1.3B | -6.1% |
| Q1 2025 | -$1.2B | -$734M |
| Q4 2024 | $2.5B | +35% |
| Q2 2024 | $1.4B | +47% |
BLK's free cash flow was $4.8B over the past year, up 22% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BLK.
KMPR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $55.7M | -58% |
| Q2 2026 | $19.1M | -77% |
| Q1 2026 | $77.9M | -55% |
| Q4 2025 | $166.2M | +0.5% |
| Q3 2025 | $133.4M | +1.5% |
| Q2 2025 | $82M | +1477% |
| Q1 2025 | $172.3M | +522% |
| Q4 2024 | $165.4M | +$209.8M |
KMPR's free cash flow was $319M over the past year, down 42% from the year before. Free cash flow isn't a meaningful measure for financial services companies like KMPR.
BLK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -148K shares |
| 1 year | -0.4% | -677K shares |
| 3 years | +9.3% | +14M shares |
| 5 years | +6.2% | +9.6M shares |
| Available history | +4.4% | +7M shares |
BLK has 165M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2025 | $396M |
| Q1 2025 | $657M |
| Q4 2024 | $386M |
| Q2 2024 | $519M |
| Q1 2024 | $634M |
| Q4 2023 | $384M |
| Q3 2023 | $396M |
| Q2 2023 | $383M |
KMPR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.2% | +722K shares |
| 1 year | -3.1% | -1.9M shares |
| 3 years | -7% | -4.5M shares |
| 5 years | -6.3% | -4M shares |
| Available history | -10% | -7M shares |
KMPR has the edge over BLK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | $50.6M |
| Q3 2025 | $218.8M |
| Q2 2025 | $28.5M |
| Q1 2025 | $4M |
| Q4 2024 | $13.9M |
KMPR spent $51M buying back its own shares over the past year, down 81% from the year before.
BLK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.0x | Net Cash |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | 0.3x | Very low |
| Q4 2025 | 0.2x | Very low |
| Q3 2025 | 0.3x | Very low |
| Q2 2024 | 0.2x | Very low |
| Q1 2024 | 0.3x | Very low |
| Q4 2023 | 0.1x | Very low |
BLK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BLK.
KMPR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2024 | 3.1x | Elevated |
| Q2 2024 | 4.8x | High |
| Q1 2024 | 9.7x | High |
| Q2 2021 | 4.5x | High |
| Q1 2021 | 1.3x | Healthy |
| Q4 2020 | 1.7x | Healthy |
| Q3 2020 | 1.4x | Healthy |
| Q2 2020 | 0.6x | Very low |
KMPR's net debt is about 3.1 years of its operating earnings (EBITDA), up from 1.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like KMPR.
BLK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.5 | Neutral |
| Stochastic | 79.0 | Neutral |
BLK's weekly RSI is 64 (neutral) and its Stochastic is 79 (neutral).
KMPR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.6 | Neutral |
| Stochastic | 84.4 | Overbought |
KMPR's weekly RSI is 65 (neutral) and its Stochastic is 84 (overbought).
BLK PE vs Financial Services Sector
| Metric | BLK | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 113% above |
| PE % | 97 | 63 | 34 pts above |
BLK is trading at 28x earnings, a 113% premium to the Financial Services sector's median of 13x.
KMPR PE vs Financial Services Sector
| Metric | KMPR | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
KMPR has no meaningful PE right now: it lost money over the past year.
BLK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1,128.0 | 7.9% above |
| 20 week MA | $1,108.9 | 9.7% above |
| 50 week MA | $1,071.6 | 14% above |
| 100 week MA | $1,051.1 | 16% above |
| 200 week MA | $914.1 | 33% above |
BLK has the edge over KMPR on trend strength, trading above more of its moving averages.
KMPR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $29.6 | 16% above |
| 20 week MA | $28.7 | 20% above |
| 50 week MA | $31.2 | 9.8% above |
| 100 week MA | $44.8 | 23% below |
| 200 week MA | $49.9 | 31% below |
KMPR has bounced recently, but its long-term trend is still down: it's above its 8-, 20- and 50-week averages, but 31% below its 200-week average.
BLK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $503.0 | $707.2 | +41% |
| 2021 | $707.2 | $913.9 | +29% |
| 2022 | $913.9 | $703.9 | -23% |
| 2023 | $703.9 | $811.8 | +15% |
| 2024 | $811.8 | $1,044.2 | +29% |
| 2025 | $1,044.2 | $1,088.1 | +4.2% |
| 2026 YTD | $1,088.1 | $1,216.6 | +12% |
BLK has the edge over KMPR on returns for 2026, with the stronger performance.
KMPR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $76.7 | $77.2 | +0.6% |
| 2021 | $77.2 | $56.3 | -27% |
| 2022 | $56.3 | $50.5 | -10% |
| 2023 | $50.5 | $48.7 | -3.7% |
| 2024 | $48.7 | $65.2 | +34% |
| 2025 | $65.2 | $40.9 | -37% |
| 2026 YTD | $40.9 | $34.3 | -16% |
KMPR has finished lower in four of the last six years. It's down 16% so far in 2026.