The Allstate Corporation (ALL)vsKemper Corporation (KMPR)
ALL
The Allstate Corporation
$239.61
+4.82%
FINANCIAL SERVICES · Cap: $61.68B
KMPR
Kemper Corporation
$26.81
+4.17%
FINANCIAL SERVICES · Cap: $1.50B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 1349% more annual revenue ($68.17B vs $4.70B). ALL leads profitability with a 17.8% profit margin vs 0.9%. KMPR appears more attractively valued with a PEG of 0.75. ALL earns a higher WallStSmart Score of 74/100 (B).
ALL
Strong Buy74
out of 100
Grade: B
KMPR
Buy50
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 38 in profit
Earnings expanding 338.4% YoY
Large-cap with strong market position
Conservative balance sheet, low leverage
Reasonable price relative to book value
Reasonable price relative to book value
Growing faster than its price suggests
Areas to Watch
3.0% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
ROE of 1.6% — below average capital efficiency
0.9% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : ALL
The strongest argument for ALL centers on P/E Ratio, Return on Equity, EPS Growth. Profitability is solid with margins at 17.8% and operating margin at 19.0%.
Bull 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.
Bear Case : ALL
The primary concerns for ALL are Revenue Growth, PEG Ratio, Altman Z-Score.
Bear Case : KMPR
The primary concerns for KMPR are P/E Ratio, Market Cap, Return on Equity. Thin 0.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
KMPR carries more volatility with a beta of 1.05 — expect wider price swings.
ALL is growing revenue faster at 3.0% — sustainability is the question.
ALL generates stronger free cash flow (3.5B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ALL scores higher overall (74/100 vs 50/100), backed by strong 17.8% margins. 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.
The Allstate Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Allstate Corporation is an American insurance company, headquartered in Northfield Township, Illinois.
Visit Website →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 →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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