The Allstate Corporation (ALL)vsKemper Corporation (KMPR)
ALL
The Allstate Corporation
$204.71
-1.25%
FINANCIAL SERVICES · Cap: $53.13B
KMPR
Kemper Corporation
$30.37
-1.68%
FINANCIAL SERVICES · Cap: $1.78B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 1313% more annual revenue ($67.68B vs $4.79B). ALL leads profitability with a 15.2% profit margin vs 3.0%. ALL appears more attractively valued with a PEG of 0.45. ALL earns a higher WallStSmart Score of 87/100 (A).
ALL
Exceptional Buy87
out of 100
Grade: A
KMPR
Buy50
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+88.5%
Fair Value
$1781.21
Current Price
$204.71
$1576.50 discount
Margin of Safety
-108.3%
Fair Value
$15.57
Current Price
$30.37
$14.80 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 40 in profit
Earnings expanding 103.2% YoY
Large-cap with strong market position
Conservative balance sheet, low leverage
Reasonable price relative to book value
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
No major concerns identified
Smaller company, higher risk/reward
ROE of 4.9% — below average capital efficiency
3.0% margin — thin
Operating margin of 2.9%
Comparative Analysis Report
WallStSmart ResearchBull Case : ALL
The strongest argument for ALL centers on PEG Ratio, P/E Ratio, Return on Equity. Profitability is solid with margins at 15.2% and operating margin at 29.0%. PEG of 0.45 suggests the stock is reasonably priced for its growth.
Bull Case : KMPR
The strongest argument for KMPR centers on Price/Book, PEG Ratio, P/E Ratio. PEG of 0.75 suggests the stock is reasonably priced for its growth.
Bear Case : ALL
No major red flags identified for ALL, but monitor valuation.
Bear Case : KMPR
The primary concerns for KMPR are Market Cap, Return on Equity, Profit Margin. Thin 3.0% margins leave little buffer for downturns.
Key Dynamics to Monitor
ALL profiles as a mature stock while KMPR is a value play — different risk/reward profiles.
KMPR carries more volatility with a beta of 1.14 — expect wider price swings.
ALL is growing revenue faster at 5.1% — sustainability is the question.
ALL generates stronger free cash flow (2.9B), providing more financial flexibility.
Bottom Line
ALL scores higher overall (87/100 vs 50/100), backed by strong 15.2% margins. Both earn "Exceptional Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
The Allstate Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Allstate Corporation is an American insurance company, headquartered in Northfield Township, Illinois.
Visit Website →Kemper Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Kemper Corporation, a diversified insurance holding company, offers property and casualty and life and health insurance in the United States. The company is headquartered in Chicago, Illinois.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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