Head-To-Head Analysis: Fortegra Financial (FRF) versus Kemper (KMPR)
Fortegra Financial (NYSE: FRF) and Kemper (NYSE:KMPR) are both financials companies, but which is the superior stock? We will contrast the two companies based on the strength of their dividends, earnings, valuation, risk, profitability, institutional ownership and analyst recommendations.
Institutional & Insider Ownership
58.5% of Kemper shares are held by institutional investors. 0.9% of Kemper 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.
This table compares Fortegra Financial and Kemper’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
This is a breakdown of recent recommendations and price targets for Fortegra Financial and Kemper, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Kemper has a consensus price target of $55.00, suggesting a potential downside of 2.65%. Given Kemper’s higher probable upside, analysts plainly believe Kemper is more favorable than Fortegra Financial.
Valuation & Earnings
This table compares Fortegra Financial and Kemper’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Kemper||$2.72 billion||1.07||$120.90 million||$2.51||22.51|
Kemper has higher revenue and earnings than Fortegra Financial. Fortegra Financial is trading at a lower price-to-earnings ratio than Kemper, indicating that it is currently the more affordable of the two stocks.
Kemper pays an annual dividend of $0.96 per share and has a dividend yield of 1.7%. Fortegra Financial does not pay a dividend. Kemper pays out 38.2% of its earnings in the form of a dividend.
Volatility & Risk
Fortegra Financial has a beta of 0.89, suggesting that its stock price is 11% less volatile than the S&P 500. Comparatively, Kemper has a beta of 1.1, suggesting that its stock price is 10% more volatile than the S&P 500.
Kemper beats Fortegra Financial on 13 of the 14 factors compared between the two stocks.
Fortegra Financial Company Profile
Fortegra Financial Corporation is specializing in insurance products and services. The Company’s business process outsourcing segment offers various administrative services under the Consecta and Pacific Benefits Group Northwest, LLC brand names to insurance and other financial services companies. The Company’s Payment Protection segment delivers credit insurance, debt protection, warranty and service contracts, and motor club solutions under the Life of the South, Continental Car Club, United Motor Club, and Auto Knight Motor Club brand names to consumer finance companies, regional banks, community banks, retailers, small loan companies, warranty administrators, automobile dealers, vacation ownership developers, and credit unions.
Kemper 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.
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