Hartford Financial Services Group (HIG)vsKemper Corporation (KMPR)
HIG
Hartford Financial Services Group
$124.23
-1.16%
FINANCIAL SERVICES · Cap: $35.73B
KMPR
Kemper Corporation
$25.32
+0.48%
FINANCIAL SERVICES · Cap: $1.54B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 538% more annual revenue ($29.32B vs $4.59B). HIG leads profitability with a 14.9% profit margin vs -10.8%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
KMPR
Hold47
out of 100
Grade: D+
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 22 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Earnings expanding 36.1% YoY
Reasonable price relative to book value
Growing faster than its price suggests
Areas to Watch
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 1.6% — below average capital efficiency
Operating margin of 3.0%
Revenue declined 9.1%
Comparative Analysis Report
WallStSmart ResearchBull Case : HIG
The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. PEG of 0.12 suggests the stock is reasonably priced for its growth.
Bull Case : KMPR
The strongest argument for KMPR centers on Price/Book, PEG Ratio. PEG of 0.75 suggests the stock is reasonably priced for its growth.
Bear Case : HIG
The primary concerns for HIG are Altman Z-Score.
Bear Case : KMPR
The primary concerns for KMPR are Market Cap, Return on Equity, Operating Margin.
Key Dynamics to Monitor
HIG profiles as a value stock while KMPR is a turnaround play — different risk/reward profiles.
KMPR carries more volatility with a beta of 1.03 — expect wider price swings.
HIG is growing revenue faster at 8.1% — sustainability is the question.
HIG generates stronger free cash flow (1.1B), providing more financial flexibility.
Bottom Line
HIG scores higher overall (79/100 vs 47/100). Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Hartford Financial Services Group
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
The Hartford Financial Services Group, Inc., usually known as The Hartford, is a United States-based investment and insurance company.
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 - DIVERSIFIED Stocks
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