Kemper Corporation (KMPR)vsRoyal Bank of Canada (RY)
KMPR
Kemper Corporation
$34.30
-1.32%
FINANCIAL SERVICES · Cap: $2.05B
RY
Royal Bank of Canada
$202.64
-0.44%
FINANCIAL SERVICES · Cap: $282.66B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 1411% more annual revenue ($67.15B vs $4.44B). RY leads profitability with a 33.9% profit margin vs -9.5%. KMPR appears more attractively valued with a PEG of 0.75. RY earns a higher WallStSmart Score of 69/100 (B-).
KMPR
Hold49
out of 100
Grade: D+
RY
Strong Buy69
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 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
ROE of 1.6% — below average capital efficiency
Operating margin of 2.8%
Revenue declined 12.0%
Earnings declined 3.4%
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
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 33.9% and operating margin at 46.4%.
Bear Case : KMPR
The primary concerns for KMPR are Return on Equity, Operating Margin, Revenue Growth.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
KMPR profiles as a turnaround stock while RY is a mature play — different risk/reward profiles.
KMPR carries more volatility with a beta of 1.04 — expect wider price swings.
RY is growing revenue faster at 8.9% — sustainability is the question.
KMPR generates stronger free cash flow (97M), providing more financial flexibility.
Bottom Line
RY scores higher overall (69/100 vs 49/100), backed by strong 33.9% margins. 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.
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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