WallStSmart

Kemper Corporation (KMPR)vsRoyal Bank of Canada (RY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Royal Bank of Canada generates 1297% more annual revenue ($65.72B vs $4.70B). RY leads profitability with a 33.7% profit margin vs 0.9%. KMPR appears more attractively valued with a PEG of 0.75. RY earns a higher WallStSmart Score of 67/100 (B-).

KMPR

Buy

50

out of 100

Grade: C-

Growth: 2.0Profit: 4.0Value: 5.7Quality: 6.0
Piotroski: 4/9

RY

Strong Buy

67

out of 100

Grade: B-

Growth: 8.7Profit: 8.0Value: 4.3Quality: 5.0
Piotroski: 4/9Altman Z: -0.50

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

KMPR2 strengths · Avg: 9.0/10
Price/BookValuation
0.6x10/10

Reasonable price relative to book value

PEG RatioValuation
0.758/10

Growing faster than its price suggests

RY6 strengths · Avg: 9.3/10
Market CapQuality
$282.00B10/10

Mega-cap, among the largest globally

Profit MarginProfitability
33.7%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
45.3%10/10

Strong operational efficiency at 45.3%

Free Cash FlowQuality
$20.82B10/10

Generating 20.8B in free cash flow

Revenue GrowthGrowth
16.1%8/10

16.1% revenue growth

EPS GrowthGrowth
27.5%8/10

Earnings expanding 27.5% YoY

Areas to Watch

KMPR4 concerns · Avg: 3.3/10
P/E RatioValuation
35.3x4/10

Premium valuation, high expectations priced in

Market CapQuality
$1.50B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.6%3/10

ROE of 1.6% — below average capital efficiency

Profit MarginProfitability
0.9%3/10

0.9% margin — thin

RY3 concerns · Avg: 1.7/10
PEG RatioValuation
2.532/10

Expensive relative to growth rate

Altman Z-ScoreHealth
-0.502/10

Distress zone — elevated risk

Debt/EquityHealth
2.771/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : RY

The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.7% and operating margin at 45.3%. Revenue growth of 16.1% demonstrates continued momentum.

Bear Case : KMPR

The primary concerns for KMPR are P/E Ratio, Market Cap, Return on Equity. Thin 0.9% margins leave little buffer for downturns.

Bear Case : RY

The primary concerns for RY are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.77 is elevated, increasing financial risk.

Key Dynamics to Monitor

KMPR profiles as a value stock while RY is a growth play — different risk/reward profiles.

KMPR carries more volatility with a beta of 1.05 — expect wider price swings.

RY is growing revenue faster at 16.1% — sustainability is the question.

RY generates stronger free cash flow (20.8B), providing more financial flexibility.

Bottom Line

RY scores higher overall (67/100 vs 50/100), backed by strong 33.7% margins and 16.1% revenue growth. 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.

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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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