Kemper Corporation (KMPR)vsProgressive Corp (PGR)
KMPR
Kemper Corporation
$34.30
-1.32%
FINANCIAL SERVICES · Cap: $2.05B
PGR
Progressive Corp
$233.53
+0.84%
FINANCIAL SERVICES · Cap: $134.03B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 1964% more annual revenue ($91.70B vs $4.44B). PGR leads profitability with a 12.7% profit margin vs -9.5%. KMPR appears more attractively valued with a PEG of 0.75. PGR earns a higher WallStSmart Score of 53/100 (C-).
KMPR
Hold49
out of 100
Grade: D+
PGR
Buy53
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
Attractively priced relative to earnings
Every $100 of equity generates 34 in profit
Large-cap with strong market position
Conservative balance sheet, low leverage
Generating 4.4B in free cash flow
Areas to Watch
ROE of 1.6% — below average capital efficiency
Operating margin of 2.8%
Revenue declined 12.0%
Earnings declined 3.4%
3.0% revenue growth
Expensive relative to growth rate
Earnings declined 2.1%
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 : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bear Case : KMPR
The primary concerns for KMPR are Return on Equity, Operating Margin, Revenue Growth.
Bear Case : PGR
The primary concerns for PGR are Revenue Growth, PEG Ratio, EPS Growth.
Key Dynamics to Monitor
KMPR profiles as a turnaround stock while PGR is a value play — different risk/reward profiles.
KMPR carries more volatility with a beta of 1.04 — expect wider price swings.
PGR is growing revenue faster at 3.0% — sustainability is the question.
PGR generates stronger free cash flow (4.4B), providing more financial flexibility.
Bottom Line
PGR scores higher overall (53/100 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 →Progressive Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Progressive Corporation is an American insurance company, one of the largest providers of car insurance in the United States. The company insures motorcycles, boats, RVs, and commercial vehicles and provides home insurance through select companies.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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