Kemper (NYSE:KMPR – Get Free Report) and American Integrity Insurance Group (NYSE:AII – Get Free Report) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their institutional ownership, earnings, dividends, profitability, risk, valuation and analyst recommendations.
Insider and Institutional Ownership
86.2% of Kemper shares are owned by institutional investors. 0.6% of Kemper shares are owned by insiders. Comparatively, 16.4% of American Integrity Insurance Group shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.
Profitability
This table compares Kemper and American Integrity Insurance Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Kemper | -9.55% | 4.72% | 0.94% |
| American Integrity Insurance Group | 26.64% | 30.27% | 7.86% |
Earnings & Valuation
This table compares Kemper and American Integrity Insurance Group”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Kemper | $4.79 billion | 0.43 | $143.30 million | ($8.40) | -4.14 |
| American Integrity Insurance Group | $387.67 million | 1.49 | $99.62 million | $5.27 | 5.59 |
Kemper has higher revenue and earnings than American Integrity Insurance Group. Kemper is trading at a lower price-to-earnings ratio than American Integrity Insurance Group, indicating that it is currently the more affordable of the two stocks.
Risk & Volatility
Kemper has a beta of 1.06, suggesting that its share price is 6% more volatile than the S&P 500. Comparatively, American Integrity Insurance Group has a beta of -0.17, suggesting that its share price is 117% less volatile than the S&P 500.
Analyst Ratings
This is a breakdown of current recommendations for Kemper and American Integrity Insurance Group, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Kemper | 3 | 3 | 2 | 0 | 1.88 |
| American Integrity Insurance Group | 1 | 0 | 5 | 1 | 2.86 |
Kemper currently has a consensus target price of $37.67, suggesting a potential upside of 8.28%. American Integrity Insurance Group has a consensus target price of $29.00, suggesting a potential downside of 1.55%. Given Kemper’s higher possible upside, research analysts plainly believe Kemper is more favorable than American Integrity Insurance Group.
Summary
American Integrity Insurance Group beats Kemper on 10 of the 15 factors compared between the two stocks.
About Kemper
Kemper Corporation is an insurance holding company that provides property and casualty, life, and health insurance products in the United States. Its offerings include personal auto coverage, with a focus on drivers served by specialty insurance markets, as well as life and supplemental health policies. The company distributes insurance through independent agents and other channels. Its businesses include Kemper Auto and Kemper Life, serving individuals and families across the country. Kemper traces its roots to 1912, when Lumbermens Mutual Casualty Company was founded.
About American Integrity Insurance Group
American Integrity Insurance Group, Inc. is a property and casualty insurance holding company focused primarily on the Florida residential market. Its insurance products include coverage for homeowners, condominium unit owners, renters, manufactured homes and rental properties. The company was founded in 2006 and is headquartered in Tampa, Florida. It serves customers through independent insurance agents and operates through its insurance subsidiaries, including American Integrity Insurance Company of Florida.
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