Conifer (NASDAQ:CNFR) and Kemper (NYSE:KMPR) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their institutional ownership, valuation, earnings, risk, dividends, profitability and analyst recommendations.
Kemper pays an annual dividend of $0.96 per share and has a dividend yield of 1.2%. Conifer does not pay a dividend. Kemper pays out 58.5% of its earnings in the form of a dividend.
26.2% of Conifer shares are owned by institutional investors. Comparatively, 52.4% of Kemper shares are owned by institutional investors. 52.5% of Conifer shares are owned by company insiders. Comparatively, 0.9% of Kemper shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
This is a summary of current ratings for Conifer and Kemper, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Conifer currently has a consensus target price of $6.25, suggesting a potential upside of 11.61%. Given Conifer’s higher possible upside, equities analysts clearly believe Conifer is more favorable than Kemper.
This table compares Conifer and Kemper’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Volatility & Risk
Conifer has a beta of 1.06, meaning that its share price is 6% more volatile than the S&P 500. Comparatively, Kemper has a beta of 1.13, meaning that its share price is 13% more volatile than the S&P 500.
Earnings and Valuation
This table compares Conifer and Kemper’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Conifer||$96.84 million||0.49||-$21.54 million||($2.90)||-1.93|
|Kemper||$2.72 billion||1.90||$120.90 million||$1.64||48.66|
Kemper has higher revenue and earnings than Conifer. Conifer is trading at a lower price-to-earnings ratio than Kemper, indicating that it is currently the more affordable of the two stocks.
Kemper beats Conifer on 12 of the 16 factors compared between the two stocks.
Conifer Holdings, Inc., an insurance holding company, offers insurance coverage in specialty commercial and personal product lines. The company underwrites various specialty insurance products, including property, general liability, commercial multi-peril, liquor liability, and automobile policies. It serves the commercial insurance needs of owner-operated businesses in the markets, such as hospitality, which includes restaurants, bars, taverns, and bowling centers, as well as small grocery and convenience stores; artisan contractors comprising plumbers, painters, carpenters, electricians, and other independent contractors; and security service providers, such as companies that provide security guard services, security alarm products and services, and private investigative services. The company also offers specialty homeowners insurance products, such as dwelling insurance tailored for owners of lower valued homes in Illinois, Indiana, Louisiana, and Texas; and wind-exposed catastrophe coverage comprising hurricane and wind coverage to under-served homeowners in Hawaii, Texas, and Florida. It markets and sells its insurance products through a network of approximately 6,700 independent agents in 50 states in the United States. Conifer Holdings, Inc. was founded in 2009 and is headquartered in Birmingham, Michigan.
Kemper Corporation, a diversified insurance holding company, provides property and casualty, and life and health insurance to individuals and businesses in the United States. The company's Property & Casualty Insurance segment provides automobile, homeowners, renters, fire, umbrella, and other types of property and casualty insurance to individuals; and commercial automobile insurance to businesses. This segment distributes its products through independent agents and brokers. The Life & Health Insurance segment provides life insurance, including permanent and term insurance, as well as supplemental accident and health insurance products; Medicare supplement insurance; and limited health insurance coverages, such as fixed indemnity, specified disease, and accident-only plans to individuals in rural areas. The company was formerly known as Unitrin, Inc. and changed its name to Kemper Corporation in August 2011. Kemper Corporation was founded in 1990 and is headquartered in Chicago, Illinois.
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