Kemper Corporation (KMPR)vsThe Travelers Companies Inc (TRV)
KMPR
Kemper Corporation
$25.32
+0.48%
FINANCIAL SERVICES · Cap: $1.54B
TRV
The Travelers Companies Inc
$363.04
+0.18%
FINANCIAL SERVICES · Cap: $75.17B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 966% more annual revenue ($48.98B vs $4.59B). TRV leads profitability with a 17.0% profit margin vs -10.8%. KMPR appears more attractively valued with a PEG of 0.75. TRV earns a higher WallStSmart Score of 74/100 (B).
KMPR
Hold47
out of 100
Grade: D+
TRV
Strong Buy74
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
Attractively priced relative to earnings
Earnings expanding 57.1% YoY
Large-cap with strong market position
Every $100 of equity generates 25 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
ROE of 1.6% — below average capital efficiency
Operating margin of 3.0%
Revenue declined 9.1%
0.3% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
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 : TRV
The strongest argument for TRV centers on P/E Ratio, EPS Growth, Market Cap. Profitability is solid with margins at 17.0% and operating margin at 23.7%.
Bear Case : KMPR
The primary concerns for KMPR are Market Cap, Return on Equity, Operating Margin.
Bear Case : TRV
The primary concerns for TRV are Revenue Growth, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
KMPR profiles as a turnaround stock while TRV is a value play — different risk/reward profiles.
KMPR carries more volatility with a beta of 1.03 — expect wider price swings.
TRV is growing revenue faster at 0.3% — sustainability is the question.
TRV generates stronger free cash flow (1.9B), providing more financial flexibility.
Bottom Line
TRV scores higher overall (74/100 vs 47/100), backed by strong 17.0% 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 →The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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