Kemper Corporation (KMPR)vsWells Fargo & Company (WFC)
KMPR
Kemper Corporation
$30.81
+1.72%
FINANCIAL SERVICES · Cap: $1.81B
WFC
Wells Fargo & Company
$73.58
-2.72%
FINANCIAL SERVICES · Cap: $242.24B
Smart Verdict
WallStSmart Research — data-driven comparison
Wells Fargo & Company generates 1625% more annual revenue ($81.14B vs $4.70B). WFC leads profitability with a 26.7% profit margin vs 0.9%. KMPR appears more attractively valued with a PEG of 0.75. WFC earns a higher WallStSmart Score of 74/100 (B).
KMPR
Buy50
out of 100
Grade: C-
WFC
Strong Buy74
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
Reasonable price relative to book value
Keeps 27 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 29.4%
Generating 9.1B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
ROE of 1.1% — below average capital efficiency
0.9% margin — thin
Operating margin of 0.8%
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 : WFC
The strongest argument for WFC centers on Market Cap, Price/Book, Profit Margin. Profitability is solid with margins at 26.7% and operating margin at 29.4%. PEG of 1.43 suggests the stock is reasonably priced for its growth.
Bear Case : KMPR
The primary concerns for KMPR are Market Cap, Return on Equity, Profit Margin. A P/E of 42.8x leaves little room for execution misses. Thin 0.9% margins leave little buffer for downturns.
Bear Case : WFC
The primary concerns for WFC are Altman Z-Score.
Key Dynamics to Monitor
KMPR profiles as a value stock while WFC is a mature play — different risk/reward profiles.
KMPR carries more volatility with a beta of 1.16 — expect wider price swings.
WFC is growing revenue faster at 5.7% — sustainability is the question.
WFC generates stronger free cash flow (9.1B), providing more financial flexibility.
Bottom Line
WFC scores higher overall (74/100 vs 50/100), backed by strong 26.7% 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.
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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