KMPB
Kemper Corporation 5.875% Fixed
Insurance - Property & Casualty
Market Cap$1.39B
5Y Perf.-4.5%
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Stock Comparison
KMPB vs CINF
Revenue, margins, valuation, and 5-year total return — side by side.
CINF
Cincinnati Financial Corporation
Insurance - Property & Casualty
Market Cap$25.23B
5Y Perf.+19.2%
KMPB vs CINF — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | KMPB | CINF |
|---|---|---|
| Industry | Insurance - Property & Casualty | Insurance - Property & Casualty |
| Market Cap | $1.39B | $25.23B |
| Revenue (TTM) | $4.71B | $12.92B |
| Net Income (TTM) | $39M | $2.76B |
| Gross Margin | 8.1% | 50.3% |
| Operating Margin | 0.7% | 26.7% |
| Forward P/E | 6.3x | 18.7x |
| Total Debt | $1.00B | $886M |
| Cash & Equiv. | $126M | $1.43B |
KMPB vs CINF — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
KMPB
CINF
| Stock | Mar 22 | May 26 | Return |
|---|---|---|---|
| Kemper Corporation … (KMPB) | 100 | 95.5 | -4.5% |
| Cincinnati Financia… (CINF) | 100 | 119.2 | +19.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: KMPB vs CINF
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: CINF leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Kemper Corporation 5.875% Fixed is the stronger pick specifically for valuation and capital efficiency and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
KMPB
Kemper Corporation 5.875% Fixed
The Insurance Pick
KMPB is the clearest fit if your priority is 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
CINF
Cincinnati Financial Corporation
The Insurance Pick
CINF carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 11.4%, EPS growth 4.4%, 3Y rev CAGR 24.4%
- 180.5% 10Y total return vs KMPB's 23.5%
- 11.4% revenue growth vs KMPB's 3.6%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | CINF | 11.4% revenue growth vs KMPB's 3.6% |
| Value | KMPB | Lower P/E (6.3x vs 18.7x) |
| Quality / Margins | CINF | Combined ratio 0.8 vs KMPB's 1.0 (lower = better underwriting) |
| Stability / Safety | KMPB | Beta 0.20 vs CINF's 0.43 |
| Dividends | KMPB | 5.4% yield, 1-year raise streak, vs CINF's 2.1% |
| Momentum (1Y) | CINF | +14.0% vs KMPB's +12.8% |
| Efficiency (ROA) | CINF | 6.8% ROA vs KMPB's 0.4%, ROIC 15.3% vs 3.1% |
KMPB vs CINF — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2023
FY 2025
KMPB vs CINF — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLCINFLAGGINGKMPB
KMPBKemper Corporation 5.…
2leads
CINFCincinnati Financial …
3leads
6 Total Categories
CATEGORYLEADERvs KMPBMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
CINF6/6
Valuation MetricsMultiples, price ratios, and targets
KMPB5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
CINF8/9
Total Returns1Y, 3Y, 5Y total returns with dividends
CINF5/6
Risk & VolatilityBeta, volatility, and downside exposure
KMPB2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
CINF leads this category, winning 6 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
CINF is the larger business by revenue, generating $12.9B annually — 2.7x KMPB's $4.7B. CINF is the more profitable business, keeping 21.3% of every revenue dollar as net income compared to KMPB's 0.8%. On growth, CINF holds the edge at +11.6% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | KMPBKemper Corporatio… | CINFCincinnati Financ… |
|---|---|---|
| RevenueTrailing 12 months | $4.7B | $12.9B |
| EBITDAEarnings before interest/tax | $21M | $3.6B |
| Net IncomeAfter-tax profit | $39M | $2.8B |
| Free Cash FlowCash after capex | $382M | $3.4B |
| Gross MarginGross profit ÷ Revenue | +8.1% | +50.3% |
| Operating MarginEBIT ÷ Revenue | +0.7% | +26.7% |
| Net MarginNet income ÷ Revenue | +0.8% | +21.3% |
| FCF MarginFCF ÷ Revenue | +8.1% | +26.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | -7.0% | +11.6% |
| EPS Growth (YoY)Latest quarter vs prior year | -104.9% | +4.0% |
CINF leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
KMPB leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 10.4x trailing earnings, KMPB trades at a 3% valuation discount to CINF's 10.7x P/E. On an enterprise value basis, CINF's 7.8x EV/EBITDA is more attractive than KMPB's 9.7x.
| Metric | KMPBKemper Corporatio… | CINFCincinnati Financ… |
|---|---|---|
| Market CapShares × price | $1.4B | $25.2B |
| Enterprise ValueMkt cap + debt − cash | $2.3B | $24.7B |
| Trailing P/EPrice ÷ TTM EPS | 10.36x | 10.68x |
| Forward P/EPrice ÷ next-FY EPS est. | 6.26x | 18.69x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.70x |
| EV / EBITDAEnterprise value multiple | 9.67x | 7.84x |
| Price / SalesMarket cap ÷ Revenue | 0.29x | 2.00x |
| Price / BookPrice ÷ Book value/share | 0.56x | 1.61x |
| Price / FCFMarket cap ÷ FCF | 2.51x | 8.16x |
KMPB leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
CINF leads this category, winning 8 of 9 comparable metrics.
Profitability & Efficiency
CINF delivers a 18.0% return on equity — every $100 of shareholder capital generates $18 in annual profit, vs $1 for KMPB. CINF carries lower financial leverage with a 0.06x debt-to-equity ratio, signaling a more conservative balance sheet compared to KMPB's 0.38x. On the Piotroski fundamental quality scale (0–9), KMPB scores 7/9 vs CINF's 6/9, reflecting strong financial health.
| Metric | KMPBKemper Corporatio… | CINFCincinnati Financ… |
|---|---|---|
| ROE (TTM)Return on equity | +1.4% | +18.0% |
| ROA (TTM)Return on assets | +0.4% | +6.8% |
| ROICReturn on invested capital | +3.1% | +15.3% |
| ROCEReturn on capital employed | +1.3% | +14.0% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 6 |
| Debt / EquityFinancial leverage | 0.38x | 0.06x |
| Net DebtTotal debt minus cash | $879M | -$545M |
| Cash & Equiv.Liquid assets | $126M | $1.4B |
| Total DebtShort + long-term debt | $1.0B | $886M |
| Interest CoverageEBIT ÷ Interest expense | 0.59x | 46.68x |
CINF leads this category, winning 8 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
CINF leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CINF five years ago would be worth $14,737 today (with dividends reinvested), compared to $12,345 for KMPB. Over the past 12 months, CINF leads with a +14.0% total return vs KMPB's +12.8%. The 3-year compound annual growth rate (CAGR) favors CINF at 17.5% vs KMPB's 16.1% — a key indicator of consistent wealth creation.
| Metric | KMPBKemper Corporatio… | CINFCincinnati Financ… |
|---|---|---|
| YTD ReturnYear-to-date | +2.7% | +0.9% |
| 1-Year ReturnPast 12 months | +12.8% | +14.0% |
| 3-Year ReturnCumulative with dividends | +56.6% | +62.2% |
| 5-Year ReturnCumulative with dividends | +23.5% | +47.4% |
| 10-Year ReturnCumulative with dividends | +23.5% | +180.5% |
| CAGR (3Y)Annualised 3-year return | +16.1% | +17.5% |
CINF leads this category, winning 5 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 CINF's 0.43 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 CINF's 93.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | KMPBKemper Corporatio… | CINFCincinnati Financ… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.20x | 0.43x |
| 52-Week HighHighest price in past year | $24.18 | $174.27 |
| 52-Week LowLowest price in past year | $21.72 | $143.37 |
| % of 52W HighCurrent price vs 52-week peak | +98.1% | +93.0% |
| RSI (14)Momentum oscillator 0–100 | 60.4 | 43.6 |
| Avg Volume (50D)Average daily shares traded | 24K | 684K |
KMPB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — KMPB and CINF each lead in 1 of 2 comparable metrics.
Analyst Outlook
For income investors, KMPB offers the higher dividend yield at 5.36% vs CINF's 2.05%.
| Metric | KMPBKemper Corporatio… | CINFCincinnati Financ… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $173.50 |
| # AnalystsCovering analysts | — | 17 |
| Dividend YieldAnnual dividend ÷ price | +5.4% | +2.1% |
| Dividend StreakConsecutive years of raises | 1 | 7 |
| Dividend / ShareAnnual DPS | $1.27 | $3.33 |
| Buyback YieldShare repurchases ÷ mkt cap | +21.7% | +0.8% |
Evenly matched — KMPB and CINF each lead in 1 of 2 comparable metrics.
Key Takeaway
CINF leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). KMPB leads in 2 (Valuation Metrics, Risk & Volatility). 1 tied.
Best OverallCincinnati Financial Corpor… (CINF)Leads 3 of 6 categories
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KMPB vs CINF: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is KMPB or CINF a better buy right now?
For growth investors, Cincinnati Financial Corporation (CINF) is the stronger pick with 11.
4% revenue growth year-over-year, versus 3. 6% for Kemper Corporation 5. 875% Fixed (KMPB). Kemper Corporation 5. 875% Fixed (KMPB) offers the better valuation at 10. 4x trailing P/E (6. 3x forward), making it the more compelling value choice. Analysts rate Cincinnati Financial Corporation (CINF) a "Buy" — based on 17 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 CINF?
On trailing P/E, Kemper Corporation 5.
875% Fixed (KMPB) is the cheapest at 10. 4x versus Cincinnati Financial Corporation at 10. 7x. On forward P/E, Kemper Corporation 5. 875% Fixed is actually cheaper at 6. 3x.
03Which is the better long-term investment — KMPB or CINF?
Over the past 5 years, Cincinnati Financial Corporation (CINF) delivered a total return of +47.
4%, compared to +23. 5% for Kemper Corporation 5. 875% Fixed (KMPB). Over 10 years, the gap is even starker: CINF returned +180. 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 CINF?
By beta (market sensitivity over 5 years), Kemper Corporation 5.
875% Fixed (KMPB) is the lower-risk stock at 0. 20β versus Cincinnati Financial Corporation's 0. 43β — meaning CINF is approximately 112% more volatile than KMPB relative to the S&P 500. On balance sheet safety, Cincinnati Financial Corporation (CINF) carries a lower debt/equity ratio of 6% versus 38% for Kemper Corporation 5. 875% Fixed — giving it more financial flexibility in a downturn.
05Which is growing faster — KMPB or CINF?
By revenue growth (latest reported year), Cincinnati Financial Corporation (CINF) is pulling ahead at 11.
4% versus 3. 6% for Kemper Corporation 5. 875% Fixed (KMPB). On earnings-per-share growth, the picture is similar: Cincinnati Financial Corporation grew EPS 4. 4% year-over-year, compared to -53. 4% for Kemper Corporation 5. 875% Fixed. Over a 3-year CAGR, CINF leads at 24. 4% 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 CINF?
Cincinnati Financial Corporation (CINF) is the more profitable company, earning 18.
9% net margin versus 3. 0% for Kemper Corporation 5. 875% Fixed — meaning it keeps 18. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CINF leads at 23. 6% versus 3. 3% for KMPB. At the gross margin level — before operating expenses — CINF leads at 50. 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 CINF more undervalued right now?
On forward earnings alone, Kemper Corporation 5.
875% Fixed (KMPB) trades at 6. 3x forward P/E versus 18. 7x for Cincinnati Financial Corporation — 12. 4x cheaper on a one-year earnings basis.
08Which pays a better dividend — KMPB or CINF?
All stocks in this comparison pay dividends.
Kemper Corporation 5. 875% Fixed (KMPB) offers the highest yield at 5. 4%, versus 2. 1% for Cincinnati Financial Corporation (CINF).
09Is KMPB or CINF better for a retirement portfolio?
For long-horizon retirement investors, Kemper Corporation 5.
875% Fixed (KMPB) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 20), 5. 4% yield). Both have compounded well over 10 years (KMPB: +23. 5%, CINF: +180. 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 CINF?
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.
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