Kemper Corporation (KMPR)vsRoyal Bank of Canada (RY)
KMPR
Kemper Corporation
$25.39
+4.17%
FINANCIAL SERVICES · Cap: $1.50B
RY
Royal Bank of Canada
$203.73
-0.48%
FINANCIAL SERVICES · Cap: $282.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 1297% more annual revenue ($65.72B vs $4.70B). RY leads profitability with a 33.7% profit margin vs 0.9%. KMPR appears more attractively valued with a PEG of 0.75. RY earns a higher WallStSmart Score of 67/100 (B-).
KMPR
Buy50
out of 100
Grade: C-
RY
Strong Buy67
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
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 45.3%
Generating 20.8B in free cash flow
16.1% revenue growth
Earnings expanding 27.5% YoY
Areas to Watch
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
ROE of 1.6% — below average capital efficiency
0.9% margin — thin
Expensive relative to growth rate
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 : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.7% and operating margin at 45.3%. Revenue growth of 16.1% demonstrates continued momentum.
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.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.77 is elevated, increasing financial risk.
Key Dynamics to Monitor
KMPR profiles as a value stock while RY is a growth play — different risk/reward profiles.
KMPR carries more volatility with a beta of 1.05 — expect wider price swings.
RY is growing revenue faster at 16.1% — sustainability is the question.
RY generates stronger free cash flow (20.8B), providing more financial flexibility.
Bottom Line
RY scores higher overall (67/100 vs 50/100), backed by strong 33.7% margins and 16.1% revenue growth. 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 →Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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