Kemper Corporation (KMPR)vsRoyal Bank of Canada (RY)
KMPR
Kemper Corporation
$30.81
+1.72%
FINANCIAL SERVICES · Cap: $1.81B
RY
Royal Bank of Canada
$180.85
-0.46%
FINANCIAL SERVICES · Cap: $252.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 1248% more annual revenue ($63.42B vs $4.70B). RY leads profitability with a 33.1% profit margin vs 0.9%. KMPR appears more attractively valued with a PEG of 0.75. RY earns a higher WallStSmart Score of 68/100 (B-).
KMPR
Buy50
out of 100
Grade: C-
RY
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Growing faster than its price suggests
Mega-cap, among the largest globally
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Generating 37.3B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
ROE of 1.1% — below average capital efficiency
0.9% margin — thin
Operating margin of 0.8%
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.1% and operating margin at 46.2%.
Bear Case : KMPR
The primary concerns for KMPR are Market Cap, Return on Equity, Profit Margin. A P/E of 42.8x leaves little room for execution misses. Thin 0.9% margins leave little buffer for downturns.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Key Dynamics to Monitor
KMPR profiles as a value stock while RY is a mature play — different risk/reward profiles.
KMPR carries more volatility with a beta of 1.16 — expect wider price swings.
RY is growing revenue faster at 7.5% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Bottom Line
RY scores higher overall (68/100 vs 50/100), backed by strong 33.1% margins. Both earn "Strong 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.
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 →Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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