KMPB
Kemper Corporation 5.875% Fixed
Insurance - Property & Casualty
Market Cap$1.39B
5Y Perf.-4.5%
Compare Stocks
2 / 10Try these comparisons:
Stock Comparison
KMPB vs HIG
Revenue, margins, valuation, and 5-year total return — side by side.
HIG
The Hartford Financial Services Group, Inc.
Insurance - Diversified
Market Cap$36.49B
5Y Perf.+84.8%
KMPB vs HIG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | KMPB | HIG |
|---|---|---|
| Industry | Insurance - Property & Casualty | Insurance - Diversified |
| Market Cap | $1.39B | $36.49B |
| Revenue (TTM) | $4.71B | $28.76B |
| Net Income (TTM) | $39M | $4.06B |
| Gross Margin | 8.1% | 35.8% |
| Operating Margin | 0.7% | 13.8% |
| Forward P/E | 6.3x | 10.1x |
| Total Debt | $1.00B | $4.37B |
| Cash & Equiv. | $126M | $133M |
KMPB vs HIG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
KMPB
HIG
| Stock | Mar 22 | May 26 | Return |
|---|---|---|---|
| Kemper Corporation … (KMPB) | 100 | 95.5 | -4.5% |
| The Hartford Financ… (HIG) | 100 | 184.8 | +84.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: KMPB vs HIG
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: KMPB leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and capital preservation and lower volatility. The Hartford Financial Services Group, Inc. is the stronger pick specifically for growth and revenue expansion and profitability and margin quality. As sector peers, any of these can serve as alternatives in the same allocation.
KMPB
Kemper Corporation 5.875% Fixed
The Insurance Pick
KMPB carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.
- Dividend streak 1 yrs, beta 0.20, yield 5.4%
- Lower volatility, beta 0.20, Low D/E 37.6%
- Beta 0.20, yield 5.4%
Best for: income & stability and sleep-well-at-night
HIG
The Hartford Financial Services Group, Inc.
The Insurance Pick
HIG is the clearest fit if your priority is growth exposure and long-term compounding.
- Rev growth 7.1%, EPS growth 28.7%, 3Y rev CAGR 8.9%
- 233.5% 10Y total return vs KMPB's 23.5%
- 7.1% revenue growth vs KMPB's 3.6%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | HIG | 7.1% revenue growth vs KMPB's 3.6% |
| Value | KMPB | Lower P/E (6.3x vs 10.1x) |
| Quality / Margins | HIG | Combined ratio 0.8 vs KMPB's 1.0 (lower = better underwriting) |
| Stability / Safety | KMPB | Beta 0.20 vs HIG's 0.29 |
| Dividends | KMPB | 5.4% yield, 1-year raise streak, vs HIG's 1.6% |
| Momentum (1Y) | KMPB | +12.8% vs HIG's +5.6% |
| Efficiency (ROA) | HIG | 4.8% ROA vs KMPB's 0.4%, ROIC 16.3% vs 3.1% |
KMPB vs HIG — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2023
FY 2022
KMPB vs HIG — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLHIGLAGGINGKMPB
KMPBKemper Corporation 5.…
2leads
HIGThe Hartford Financia…
3leads
6 Total Categories
CATEGORYLEADERvs KMPBMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
HIG6/6
Valuation MetricsMultiples, price ratios, and targets
KMPB4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
HIG7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
HIG4/6
Risk & VolatilityBeta, volatility, and downside exposure
KMPB2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
HIG leads this category, winning 6 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
HIG is the larger business by revenue, generating $28.8B annually — 6.1x KMPB's $4.7B. HIG is the more profitable business, keeping 14.1% of every revenue dollar as net income compared to KMPB's 0.8%. On growth, HIG holds the edge at +6.1% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | KMPBKemper Corporatio… | HIGThe Hartford Fina… |
|---|---|---|
| RevenueTrailing 12 months | $4.7B | $28.8B |
| EBITDAEarnings before interest/tax | $21M | $4.3B |
| Net IncomeAfter-tax profit | $39M | $4.1B |
| Free Cash FlowCash after capex | $382M | $5.8B |
| Gross MarginGross profit ÷ Revenue | +8.1% | +35.8% |
| Operating MarginEBIT ÷ Revenue | +0.7% | +13.8% |
| Net MarginNet income ÷ Revenue | +0.8% | +14.1% |
| FCF MarginFCF ÷ Revenue | +8.1% | +20.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | -7.0% | +6.1% |
| EPS Growth (YoY)Latest quarter vs prior year | -104.9% | +40.9% |
HIG leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
KMPB leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 10.0x trailing earnings, HIG trades at a 4% valuation discount to KMPB's 10.4x P/E. On an enterprise value basis, HIG's 7.9x EV/EBITDA is more attractive than KMPB's 9.7x.
| Metric | KMPBKemper Corporatio… | HIGThe Hartford Fina… |
|---|---|---|
| Market CapShares × price | $1.4B | $36.5B |
| Enterprise ValueMkt cap + debt − cash | $2.3B | $40.7B |
| Trailing P/EPrice ÷ TTM EPS | 10.36x | 9.96x |
| Forward P/EPrice ÷ next-FY EPS est. | 6.26x | 10.06x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.44x |
| EV / EBITDAEnterprise value multiple | 9.67x | 7.90x |
| Price / SalesMarket cap ÷ Revenue | 0.29x | 1.29x |
| Price / BookPrice ÷ Book value/share | 0.56x | 2.00x |
| Price / FCFMarket cap ÷ FCF | 2.51x | 6.34x |
KMPB leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
HIG leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
HIG delivers a 22.0% return on equity — every $100 of shareholder capital generates $22 in annual profit, vs $1 for KMPB. HIG carries lower financial leverage with a 0.23x debt-to-equity ratio, signaling a more conservative balance sheet compared to KMPB's 0.38x. On the Piotroski fundamental quality scale (0–9), HIG scores 9/9 vs KMPB's 7/9, reflecting strong financial health.
| Metric | KMPBKemper Corporatio… | HIGThe Hartford Fina… |
|---|---|---|
| ROE (TTM)Return on equity | +1.4% | +22.0% |
| ROA (TTM)Return on assets | +0.4% | +4.8% |
| ROICReturn on invested capital | +3.1% | +16.3% |
| ROCEReturn on capital employed | +1.3% | +5.7% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 9 |
| Debt / EquityFinancial leverage | 0.38x | 0.23x |
| Net DebtTotal debt minus cash | $879M | $4.2B |
| Cash & Equiv.Liquid assets | $126M | $133M |
| Total DebtShort + long-term debt | $1.0B | $4.4B |
| Interest CoverageEBIT ÷ Interest expense | 0.59x | 20.73x |
HIG leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
HIG leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in HIG five years ago would be worth $21,271 today (with dividends reinvested), compared to $12,345 for KMPB. Over the past 12 months, KMPB leads with a +12.8% total return vs HIG's +5.6%. The 3-year compound annual growth rate (CAGR) favors HIG at 25.3% vs KMPB's 16.1% — a key indicator of consistent wealth creation.
| Metric | KMPBKemper Corporatio… | HIGThe Hartford Fina… |
|---|---|---|
| YTD ReturnYear-to-date | +2.7% | -2.8% |
| 1-Year ReturnPast 12 months | +12.8% | +5.6% |
| 3-Year ReturnCumulative with dividends | +56.6% | +96.9% |
| 5-Year ReturnCumulative with dividends | +23.5% | +112.7% |
| 10-Year ReturnCumulative with dividends | +23.5% | +233.5% |
| CAGR (3Y)Annualised 3-year return | +16.1% | +25.3% |
HIG leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
KMPB leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
KMPB is the less volatile stock with a 0.20 beta — it tends to amplify market swings less than HIG's 0.29 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. KMPB currently trades 98.1% from its 52-week high vs HIG's 91.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | KMPBKemper Corporatio… | HIGThe Hartford Fina… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.20x | 0.29x |
| 52-Week HighHighest price in past year | $24.18 | $144.50 |
| 52-Week LowLowest price in past year | $21.72 | $119.61 |
| % of 52W HighCurrent price vs 52-week peak | +98.1% | +91.8% |
| RSI (14)Momentum oscillator 0–100 | 60.4 | 41.4 |
| Avg Volume (50D)Average daily shares traded | 24K | 1.4M |
KMPB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — KMPB and HIG each lead in 1 of 2 comparable metrics.
Analyst Outlook
For income investors, KMPB offers the higher dividend yield at 5.36% vs HIG's 1.56%.
| Metric | KMPBKemper Corporatio… | HIGThe Hartford Fina… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $152.00 |
| # AnalystsCovering analysts | — | 42 |
| Dividend YieldAnnual dividend ÷ price | +5.4% | +1.6% |
| Dividend StreakConsecutive years of raises | 1 | 15 |
| Dividend / ShareAnnual DPS | $1.27 | $2.07 |
| Buyback YieldShare repurchases ÷ mkt cap | +21.7% | +4.4% |
Evenly matched — KMPB and HIG each lead in 1 of 2 comparable metrics.
Key Takeaway
HIG leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). KMPB leads in 2 (Valuation Metrics, Risk & Volatility). 1 tied.
Best OverallThe Hartford Financial Serv… (HIG)Leads 3 of 6 categories
Loading custom metrics...
KMPB vs HIG: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is KMPB or HIG a better buy right now?
For growth investors, The Hartford Financial Services Group, Inc.
(HIG) is the stronger pick with 7. 1% revenue growth year-over-year, versus 3. 6% for Kemper Corporation 5. 875% Fixed (KMPB). The Hartford Financial Services Group, Inc. (HIG) offers the better valuation at 10. 0x trailing P/E (10. 1x forward), making it the more compelling value choice. Analysts rate The Hartford Financial Services Group, Inc. (HIG) a "Buy" — based on 42 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — KMPB or HIG?
On trailing P/E, The Hartford Financial Services Group, Inc.
(HIG) is the cheapest at 10. 0x versus Kemper Corporation 5. 875% Fixed at 10. 4x. On forward P/E, Kemper Corporation 5. 875% Fixed is actually cheaper at 6. 3x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — KMPB or HIG?
Over the past 5 years, The Hartford Financial Services Group, Inc.
(HIG) delivered a total return of +112. 7%, compared to +23. 5% for Kemper Corporation 5. 875% Fixed (KMPB). Over 10 years, the gap is even starker: HIG returned +233. 5% versus KMPB's +23. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — KMPB or HIG?
By beta (market sensitivity over 5 years), Kemper Corporation 5.
875% Fixed (KMPB) is the lower-risk stock at 0. 20β versus The Hartford Financial Services Group, Inc. 's 0. 29β — meaning HIG is approximately 45% more volatile than KMPB relative to the S&P 500. On balance sheet safety, The Hartford Financial Services Group, Inc. (HIG) carries a lower debt/equity ratio of 23% versus 38% for Kemper Corporation 5. 875% Fixed — giving it more financial flexibility in a downturn.
05Which is growing faster — KMPB or HIG?
By revenue growth (latest reported year), The Hartford Financial Services Group, Inc.
(HIG) is pulling ahead at 7. 1% versus 3. 6% for Kemper Corporation 5. 875% Fixed (KMPB). On earnings-per-share growth, the picture is similar: The Hartford Financial Services Group, Inc. grew EPS 28. 7% year-over-year, compared to -53. 4% for Kemper Corporation 5. 875% Fixed. Over a 3-year CAGR, HIG leads at 8. 9% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — KMPB or HIG?
The Hartford Financial Services Group, Inc.
(HIG) is the more profitable company, earning 13. 6% net margin versus 3. 0% for Kemper Corporation 5. 875% Fixed — meaning it keeps 13. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HIG leads at 16. 8% versus 3. 3% for KMPB. At the gross margin level — before operating expenses — HIG leads at 46. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is KMPB or HIG more undervalued right now?
On forward earnings alone, Kemper Corporation 5.
875% Fixed (KMPB) trades at 6. 3x forward P/E versus 10. 1x for The Hartford Financial Services Group, Inc. — 3. 8x cheaper on a one-year earnings basis.
08Which pays a better dividend — KMPB or HIG?
All stocks in this comparison pay dividends.
Kemper Corporation 5. 875% Fixed (KMPB) offers the highest yield at 5. 4%, versus 1. 6% for The Hartford Financial Services Group, Inc. (HIG).
09Is KMPB or HIG better for a retirement portfolio?
For long-horizon retirement investors, The Hartford Financial Services Group, Inc.
(HIG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 29), 1. 6% yield, +233. 5% 10Y return). Both have compounded well over 10 years (HIG: +233. 5%, KMPB: +23. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between KMPB and HIG?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that outperform both.
Revenue Growth>
%
(KMPB: -7.0% · HIG: 6.1%)P/E Ratio<
x
(KMPB: 10.4x · HIG: 10.0x)You Might Also Compare
Based on how these companies actually compete and overlap — not just which sector they're filed under.