Kemper Corporation (KMPR)vsThe Travelers Companies Inc (TRV)
KMPR
Kemper Corporation
$30.37
-1.68%
FINANCIAL SERVICES · Cap: $1.78B
TRV
The Travelers Companies Inc
$290.59
-0.83%
FINANCIAL SERVICES · Cap: $65.36B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 919% more annual revenue ($48.83B vs $4.79B). TRV leads profitability with a 12.9% profit margin vs 3.0%. KMPR appears more attractively valued with a PEG of 0.75. TRV earns a higher WallStSmart Score of 71/100 (B).
KMPR
Buy50
out of 100
Grade: C-
TRV
Strong Buy71
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-108.3%
Fair Value
$15.57
Current Price
$30.37
$14.80 premium
Margin of Safety
+75.4%
Fair Value
$1213.50
Current Price
$290.59
$922.91 discount
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
Attractively priced relative to earnings
Large-cap with strong market position
Every $100 of equity generates 21 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 25.9%
Areas to Watch
Smaller company, higher risk/reward
ROE of 4.9% — below average capital efficiency
3.0% margin — thin
Operating margin of 2.9%
Expensive relative to growth rate
3.5% revenue growth
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : KMPR
The strongest argument for KMPR centers on Price/Book, PEG Ratio, P/E 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, Market Cap, Return on Equity.
Bear Case : KMPR
The primary concerns for KMPR are Market Cap, Return on Equity, Profit Margin. Thin 3.0% margins leave little buffer for downturns.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Free Cash Flow.
Key Dynamics to Monitor
KMPR carries more volatility with a beta of 1.14 — expect wider price swings.
TRV is growing revenue faster at 3.5% — sustainability is the question.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TRV scores higher overall (71/100 vs 50/100). 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 →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
Want to dig deeper into these stocks?