Head-To-Head Survey: Zhibao Technology (NASDAQ:ZBAO) versus Kemper (NYSE:KMPR)

Kemper (NYSE:KMPR) and Zhibao Technology (NASDAQ:ZBAO) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, institutional ownership, dividends, earnings, profitability, valuation and risk.

Insider & Institutional Ownership

86.2% of Kemper shares are owned by institutional investors. 0.8% of Kemper shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Analyst Ratings

This is a summary of recent ratings and price targets for Kemper and Zhibao Technology, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Kemper	4	3	1	0	1.63
Zhibao Technology	1	0	0	0	1.00

Kemper currently has a consensus target price of $56.50, suggesting a potential upside of 84.83%. Given Kemper’s stronger consensus rating and higher possible upside, equities research analysts plainly believe Kemper is more favorable than Zhibao Technology.

Profitability

This table compares Kemper and Zhibao Technology’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Kemper	2.99%	8.02%	1.80%
Zhibao Technology	N/A	N/A	N/A

Earnings & Valuation

This table compares Kemper and Zhibao Technology”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Kemper	$4.79 billion	0.38	$143.30 million	$2.19	13.96
Zhibao Technology	$38.66 million	0.64	-$8.66 million	N/A	N/A

Kemper has higher revenue and earnings than Zhibao Technology.

Volatility & Risk

Kemper has a beta of 1.16, meaning that its share price is 16% more volatile than the S&P 500. Comparatively, Zhibao Technology has a beta of 2.23, meaning that its share price is 123% more volatile than the S&P 500.

Summary

Kemper beats Zhibao Technology on 10 of the 12 factors compared between the two stocks.

About Kemper

Kemper Corporation, a diversified insurance holding company, engages in the provision of insurance products to individuals and businesses in the United States. The company operates through three segments: Specialty Property & Casualty Insurance, Preferred Property & Casualty Insurance, and Life & Health Insurance. It provides preferred and specialty automobile, homeowners, renters, fire, umbrella, general liability, and various other property and casualty insurance to individuals, as well as commercial automobile insurance to businesses. The company also offers life insurance, including permanent and term insurance; and supplemental accident and health insurance products, such as Medicare supplement insurance, fixed hospital indemnity, home health care, specified disease, and accident-only plans to individuals in rural, suburban, and urban areas. It distributes its products through independent agents and brokers. The company was formerly known as Unitrin, Inc. and changed its name to Kemper Corporation in August 2011. Kemper Corporation was incorporated in 1990 and is headquartered in Chicago, Illinois.

About Zhibao Technology

Zhibao Technology Inc., through its subsidiaries, provides digital insurance brokerage services in China. It also offers managing general underwriter services; and offline insurance brokerage consulting services. The company was founded in 2015 and is based in Shanghai, China.