Kemper Corporation (NYSE: KMPR) and D/B/A Chubb Limited New (NYSE:CB) are both mid-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their profitability, institutional ownership, earnings, risk, analyst recommendations, dividends and valuation.
This is a breakdown of recent ratings and target prices for Kemper Corporation and D/B/A Chubb Limited New, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|D/B/A Chubb Limited New||1||2||8||0||2.64|
Kemper Corporation presently has a consensus price target of $55.00, suggesting a potential upside of 12.13%. D/B/A Chubb Limited New has a consensus price target of $154.22, suggesting a potential upside of 6.04%. Given Kemper Corporation’s stronger consensus rating and higher possible upside, equities research analysts clearly believe Kemper Corporation is more favorable than D/B/A Chubb Limited New.
This table compares Kemper Corporation and D/B/A Chubb Limited New’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|D/B/A Chubb Limited New||16.68%||10.18%||3.09%|
Insider & Institutional Ownership
55.0% of Kemper Corporation shares are held by institutional investors. Comparatively, 87.8% of D/B/A Chubb Limited New shares are held by institutional investors. 0.9% of Kemper Corporation shares are held by insiders. Comparatively, 0.4% of D/B/A Chubb Limited New shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Valuation and Earnings
This table compares Kemper Corporation and D/B/A Chubb Limited New’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|Kemper Corporation||$2.62 billion||0.96||$169.90 million||$0.98||50.05|
|D/B/A Chubb Limited New||$32.28 billion||2.10||$6.85 billion||$11.37||12.79|
D/B/A Chubb Limited New has higher revenue and earnings than Kemper Corporation. D/B/A Chubb Limited New is trading at a lower price-to-earnings ratio than Kemper Corporation, indicating that it is currently the more affordable of the two stocks.
Risk and Volatility
Kemper Corporation has a beta of 1.11, suggesting that its share price is 11% more volatile than the S&P 500. Comparatively, D/B/A Chubb Limited New has a beta of 0.91, suggesting that its share price is 9% less volatile than the S&P 500.
Kemper Corporation pays an annual dividend of $0.96 per share and has a dividend yield of 2.0%. D/B/A Chubb Limited New pays an annual dividend of $2.84 per share and has a dividend yield of 2.0%. Kemper Corporation pays out 98.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. D/B/A Chubb Limited New pays out 25.0% of its earnings in the form of a dividend. D/B/A Chubb Limited New has increased its dividend for 51 consecutive years.
D/B/A Chubb Limited New beats Kemper Corporation on 11 of the 18 factors compared between the two stocks.
Kemper Corporation Company Profile
Kemper Corporation (Kemper) is a diversified insurance holding company. The Company, through its subsidiaries, provides automobile, homeowners, life, health and other insurance products to individuals and businesses. The Company operates through two segments: Property & Casualty Insurance, and Life & Health Insurance. The Property & Casualty Insurance segment’s products include personal automobile insurance, both preferred and nonstandard, homeowners insurance, other personal insurance and commercial automobile insurance. These products are distributed primarily through independent agents and brokers. The Life & Health Insurance segment’s products are individual life, accident, health and property insurance. These products are distributed by career agents employed by the Company and independent agents and brokers.
D/B/A Chubb Limited New Company Profile
Chubb Limited is a holding company. The Company, through its subsidiaries, provides a range of insurance and reinsurance products and services to clients around the world. Its segments include North America Commercial property and casualty (P&C) Insurance, North America Personal P&C Insurance, North America Agricultural Insurance, Overseas General Insurance, Global Reinsurance and Life Insurance. It offers commercial insurance products and service offerings, such as risk management programs, loss control, and engineering and complex claims management. It provides specialized insurance products to areas, such as aviation and energy. It also offers personal lines insurance coverage, including homeowners, automobile, valuables, umbrella liability and recreational marine products. In addition, it supplies personal accident, supplemental health and life insurance to individuals in select countries.
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