Kemper Corporation (KMPR)vsW. R. Berkley Corp (WRB)
KMPR
Kemper Corporation
$34.30
-1.32%
FINANCIAL SERVICES · Cap: $2.05B
WRB
W. R. Berkley Corp
$77.15
+0.63%
FINANCIAL SERVICES · Cap: $27.14B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 235% more annual revenue ($14.87B vs $4.44B). WRB leads profitability with a 12.5% profit margin vs -9.5%. KMPR appears more attractively valued with a PEG of 0.75. WRB earns a higher WallStSmart Score of 55/100 (C-).
KMPR
Hold49
out of 100
Grade: D+
WRB
Buy55
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Growing faster than its price suggests
Conservative balance sheet, low leverage
Attractively priced relative to earnings
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
Revenue declined 0.8%
Earnings declined 10.9%
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 : WRB
The strongest argument for WRB centers on Debt/Equity, P/E Ratio.
Bear Case : KMPR
The primary concerns for KMPR are Return on Equity, Operating Margin, Revenue Growth.
Bear Case : WRB
The primary concerns for WRB are PEG Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
KMPR profiles as a turnaround stock while WRB is a declining play — different risk/reward profiles.
KMPR carries more volatility with a beta of 1.04 — expect wider price swings.
WRB is growing revenue faster at -0.8% — sustainability is the question.
WRB generates stronger free cash flow (721M), providing more financial flexibility.
Bottom Line
WRB scores higher overall (55/100 vs 49/100). Both earn "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 →W. R. Berkley Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
W. R. Berkley Corporation is a commercial lines property & casualty insurance holding company organized in Delaware and based in Greenwich, Connecticut.
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