Kemper Corporation (KMPR)vsWells Fargo & Company (WFC)
KMPR
Kemper Corporation
$25.32
+0.48%
FINANCIAL SERVICES · Cap: $1.54B
WFC
Wells Fargo & Company
$82.98
+0.96%
FINANCIAL SERVICES · Cap: $247.67B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 1708% more annual revenue ($83.03B vs $4.59B). WFC leads profitability with a 27.2% profit margin vs -10.8%. KMPR appears more attractively valued with a PEG of 0.75. WFC earns a higher WallStSmart Score of 78/100 (B+).
KMPR
Hold47
out of 100
Grade: D+
WFC
Strong Buy78
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
Attractively priced relative to earnings
Strong operational efficiency at 37.4%
Keeps 27 of every $100 in revenue as profit
Reasonable price relative to book value
Earnings expanding 25.0% YoY
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%
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 : WFC
The strongest argument for WFC centers on Market Cap, P/E Ratio, Operating Margin. Profitability is solid with margins at 27.2% and operating margin at 37.4%. PEG of 1.41 suggests the stock is reasonably priced for its growth.
Bear Case : KMPR
The primary concerns for KMPR are Market Cap, Return on Equity, Operating Margin.
Bear Case : WFC
The primary concerns for WFC are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.55 is elevated, increasing financial risk.
Key Dynamics to Monitor
KMPR profiles as a turnaround stock while WFC is a mature play — different risk/reward profiles.
KMPR carries more volatility with a beta of 1.03 — expect wider price swings.
WFC is growing revenue faster at 9.5% — sustainability is the question.
WFC generates stronger free cash flow (6.8B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (78/100 vs 47/100), backed by strong 27.2% 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 →Wells Fargo & Company
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and overseas.
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