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 PGR
Revenue, margins, valuation, and 5-year total return — side by side.
PGR
The Progressive Corporation
Insurance - Property & Casualty
Market Cap$114.73B
5Y Perf.+71.7%
KMPB vs PGR — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | KMPB | PGR |
|---|---|---|
| Industry | Insurance - Property & Casualty | Insurance - Property & Casualty |
| Market Cap | $1.39B | $114.73B |
| Revenue (TTM) | $4.71B | $85.18B |
| Net Income (TTM) | $39M | $10.71B |
| Gross Margin | 8.1% | 26.3% |
| Operating Margin | 0.7% | 15.9% |
| Forward P/E | 6.3x | 12.0x |
| Total Debt | $1.00B | $6.89B |
| Cash & Equiv. | $126M | $143M |
KMPB vs PGR — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
KMPB
PGR
| Stock | Mar 22 | May 26 | Return |
|---|---|---|---|
| Kemper Corporation … (KMPB) | 100 | 95.5 | -4.5% |
| The Progressive Cor… (PGR) | 100 | 171.7 | +71.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: KMPB vs PGR
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PGR 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 dividend income and shareholder returns. 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 defensive.
- Dividend streak 1 yrs, beta 0.20, yield 5.4%
- Beta 0.20, yield 5.4%
- Lower P/E (6.3x vs 12.0x)
Best for: income & stability and defensive
PGR
The Progressive Corporation
The Insurance Pick
PGR carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 21.4%, EPS growth 118.8%, 3Y rev CAGR 16.5%
- 5.9% 10Y total return vs KMPB's 23.5%
- Lower volatility, beta -0.07, Low D/E 26.9%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | PGR | 21.4% revenue growth vs KMPB's 3.6% |
| Value | KMPB | Lower P/E (6.3x vs 12.0x) |
| Quality / Margins | PGR | Combined ratio 0.9 vs KMPB's 1.0 (lower = better underwriting) |
| Stability / Safety | PGR | Lower D/E ratio (26.9% vs 37.6%) |
| Dividends | KMPB | 5.4% yield, 1-year raise streak, vs PGR's 0.6% |
| Momentum (1Y) | KMPB | +12.8% vs PGR's -26.8% |
| Efficiency (ROA) | PGR | 8.8% ROA vs KMPB's 0.4%, ROIC 27.0% vs 3.1% |
KMPB vs PGR — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2023
FY 2024
KMPB vs PGR — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPGRLAGGINGKMPB
KMPBKemper Corporation 5.…
2leads
PGRThe Progressive Corpo…
3leads
6 Total Categories
CATEGORYLEADERvs KMPBMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
PGR6/6
Valuation MetricsMultiples, price ratios, and targets
KMPB6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
PGR6/8
Total Returns1Y, 3Y, 5Y total returns with dividends
PGR4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
KMPB1/1
Income & Cash Flow (Last 12 Months)
PGR leads this category, winning 6 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
PGR is the larger business by revenue, generating $85.2B annually — 18.1x KMPB's $4.7B. PGR is the more profitable business, keeping 12.6% of every revenue dollar as net income compared to KMPB's 0.8%. On growth, PGR holds the edge at +14.2% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | KMPBKemper Corporatio… | PGRThe Progressive C… |
|---|---|---|
| RevenueTrailing 12 months | $4.7B | $85.2B |
| EBITDAEarnings before interest/tax | $21M | $13.8B |
| Net IncomeAfter-tax profit | $39M | $10.7B |
| Free Cash FlowCash after capex | $382M | $17.0B |
| Gross MarginGross profit ÷ Revenue | +8.1% | +26.3% |
| Operating MarginEBIT ÷ Revenue | +0.7% | +15.9% |
| Net MarginNet income ÷ Revenue | +0.8% | +12.6% |
| FCF MarginFCF ÷ Revenue | +8.1% | +20.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | -7.0% | +14.2% |
| EPS Growth (YoY)Latest quarter vs prior year | -104.9% | +12.1% |
PGR leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
KMPB leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 10.4x trailing earnings, KMPB trades at a 24% valuation discount to PGR's 13.6x P/E. On an enterprise value basis, KMPB's 9.7x EV/EBITDA is more attractive than PGR's 11.0x.
| Metric | KMPBKemper Corporatio… | PGRThe Progressive C… |
|---|---|---|
| Market CapShares × price | $1.4B | $114.7B |
| Enterprise ValueMkt cap + debt − cash | $2.3B | $121.5B |
| Trailing P/EPrice ÷ TTM EPS | 10.36x | 13.59x |
| Forward P/EPrice ÷ next-FY EPS est. | 6.26x | 12.00x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.83x |
| EV / EBITDAEnterprise value multiple | 9.67x | 11.05x |
| Price / SalesMarket cap ÷ Revenue | 0.29x | 1.52x |
| Price / BookPrice ÷ Book value/share | 0.56x | 4.50x |
| Price / FCFMarket cap ÷ FCF | 2.51x | 7.73x |
KMPB leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
PGR leads this category, winning 6 of 8 comparable metrics.
Profitability & Efficiency
PGR delivers a 30.2% return on equity — every $100 of shareholder capital generates $30 in annual profit, vs $1 for KMPB. PGR carries lower financial leverage with a 0.27x debt-to-equity ratio, signaling a more conservative balance sheet compared to KMPB's 0.38x.
| Metric | KMPBKemper Corporatio… | PGRThe Progressive C… |
|---|---|---|
| ROE (TTM)Return on equity | +1.4% | +30.2% |
| ROA (TTM)Return on assets | +0.4% | +8.8% |
| ROICReturn on invested capital | +3.1% | +27.0% |
| ROCEReturn on capital employed | +1.3% | +11.0% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 7 |
| Debt / EquityFinancial leverage | 0.38x | 0.27x |
| Net DebtTotal debt minus cash | $879M | $6.8B |
| Cash & Equiv.Liquid assets | $126M | $143M |
| Total DebtShort + long-term debt | $1.0B | $6.9B |
| Interest CoverageEBIT ÷ Interest expense | 0.59x | 49.44x |
PGR leads this category, winning 6 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
PGR leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in PGR five years ago would be worth $20,726 today (with dividends reinvested), compared to $12,345 for KMPB. Over the past 12 months, KMPB leads with a +12.8% total return vs PGR's -26.8%. The 3-year compound annual growth rate (CAGR) favors PGR at 17.2% vs KMPB's 16.1% — a key indicator of consistent wealth creation.
| Metric | KMPBKemper Corporatio… | PGRThe Progressive C… |
|---|---|---|
| YTD ReturnYear-to-date | +2.7% | -1.3% |
| 1-Year ReturnPast 12 months | +12.8% | -26.8% |
| 3-Year ReturnCumulative with dividends | +56.6% | +60.9% |
| 5-Year ReturnCumulative with dividends | +23.5% | +107.3% |
| 10-Year ReturnCumulative with dividends | +23.5% | +593.7% |
| CAGR (3Y)Annualised 3-year return | +16.1% | +17.2% |
PGR leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — KMPB and PGR each lead in 1 of 2 comparable metrics.
Risk & Volatility
PGR is the less volatile stock with a -0.07 beta — it tends to amplify market swings less than KMPB's 0.20 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 PGR's 67.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | KMPBKemper Corporatio… | PGRThe Progressive C… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.20x | -0.07x |
| 52-Week HighHighest price in past year | $24.18 | $289.96 |
| 52-Week LowLowest price in past year | $21.72 | $192.02 |
| % of 52W HighCurrent price vs 52-week peak | +98.1% | +67.5% |
| RSI (14)Momentum oscillator 0–100 | 60.4 | 42.3 |
| Avg Volume (50D)Average daily shares traded | 24K | 2.6M |
Evenly matched — KMPB and PGR each lead in 1 of 2 comparable metrics.
Analyst Outlook
KMPB leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
For income investors, KMPB offers the higher dividend yield at 5.36% vs PGR's 0.59%.
| Metric | KMPBKemper Corporatio… | PGRThe Progressive C… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold |
| Price TargetConsensus 12-month target | — | $230.27 |
| # AnalystsCovering analysts | — | 41 |
| Dividend YieldAnnual dividend ÷ price | +5.4% | +0.6% |
| Dividend StreakConsecutive years of raises | 1 | 1 |
| Dividend / ShareAnnual DPS | $1.27 | $1.15 |
| Buyback YieldShare repurchases ÷ mkt cap | +21.7% | +0.6% |
KMPB leads this category, winning 1 of 1 comparable metric.
Key Takeaway
PGR leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). KMPB leads in 2 (Valuation Metrics, Analyst Outlook). 1 tied.
Best OverallThe Progressive Corporation (PGR)Leads 3 of 6 categories
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KMPB vs PGR: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is KMPB or PGR a better buy right now?
For growth investors, The Progressive Corporation (PGR) is the stronger pick with 21.
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 The Progressive Corporation (PGR) a "Hold" — based on 41 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 PGR?
On trailing P/E, Kemper Corporation 5.
875% Fixed (KMPB) is the cheapest at 10. 4x versus The Progressive Corporation at 13. 6x. On forward P/E, Kemper Corporation 5. 875% Fixed is actually cheaper at 6. 3x.
03Which is the better long-term investment — KMPB or PGR?
Over the past 5 years, The Progressive Corporation (PGR) delivered a total return of +107.
3%, compared to +23. 5% for Kemper Corporation 5. 875% Fixed (KMPB). Over 10 years, the gap is even starker: PGR returned +593. 7% 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 PGR?
By beta (market sensitivity over 5 years), The Progressive Corporation (PGR) is the lower-risk stock at -0.
07β versus Kemper Corporation 5. 875% Fixed's 0. 20β — meaning KMPB is approximately -388% more volatile than PGR relative to the S&P 500. On balance sheet safety, The Progressive Corporation (PGR) carries a lower debt/equity ratio of 27% versus 38% for Kemper Corporation 5. 875% Fixed — giving it more financial flexibility in a downturn.
05Which is growing faster — KMPB or PGR?
By revenue growth (latest reported year), The Progressive Corporation (PGR) is pulling ahead at 21.
4% versus 3. 6% for Kemper Corporation 5. 875% Fixed (KMPB). On earnings-per-share growth, the picture is similar: The Progressive Corporation grew EPS 118. 8% year-over-year, compared to -53. 4% for Kemper Corporation 5. 875% Fixed. Over a 3-year CAGR, PGR leads at 16. 5% 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 PGR?
The Progressive Corporation (PGR) is the more profitable company, earning 11.
3% net margin versus 3. 0% for Kemper Corporation 5. 875% Fixed — meaning it keeps 11. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PGR leads at 14. 2% versus 3. 3% for KMPB. At the gross margin level — before operating expenses — KMPB leads at 29. 7%, 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 PGR more undervalued right now?
On forward earnings alone, Kemper Corporation 5.
875% Fixed (KMPB) trades at 6. 3x forward P/E versus 12. 0x for The Progressive Corporation — 5. 7x cheaper on a one-year earnings basis.
08Which pays a better dividend — KMPB or PGR?
All stocks in this comparison pay dividends.
Kemper Corporation 5. 875% Fixed (KMPB) offers the highest yield at 5. 4%, versus 0. 6% for The Progressive Corporation (PGR).
09Is KMPB or PGR better for a retirement portfolio?
For long-horizon retirement investors, The Progressive Corporation (PGR) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β -0.
07), 0. 6% yield, +593. 7% 10Y return). Both have compounded well over 10 years (PGR: +593. 7%, 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 PGR?
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.
In terms of investment character: KMPB is a small-cap deep-value stock; PGR is a mid-cap high-growth stock. 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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(KMPB: -7.0% · PGR: 14.2%)P/E Ratio<
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