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KMPR vs MA

KMPR
Kemper Corporation
BEARISH
Price
$33.62
Market Cap
$1.98B
Sector
Financial Services
AI Confidence
85%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
KMPR
14.68
MA
30.28
Forward P/E
KMPR
6.54
MA
22.05
P/B Ratio
KMPR
0.74
MA
57.74
P/S Ratio
KMPR
0.41
MA
13.6
EV/EBITDA
KMPR
9.66
MA
22.13

Profitability

Gross Margin
KMPR
29.53%
MA
100.0%
Operating Margin
KMPR
2.94%
MA
57.73%
Profit Margin
KMPR
2.99%
MA
45.65%
ROE
KMPR
4.86%
MA
209.91%
ROA
KMPR
1.18%
MA
23.72%

Growth

Revenue Growth
KMPR
-4.7%
MA
17.6%
Earnings Growth
KMPR
--
MA
24.2%

Financial Health

Debt/Equity
KMPR
0.56
MA
2.56
Current Ratio
KMPR
0.46
MA
1.03
Quick Ratio
KMPR
0.43
MA
0.68

Dividends

Dividend Yield
KMPR
3.81%
MA
0.7%
Payout Ratio
KMPR
55.9%
MA
18.4%

AI Verdict

KMPR BEARISH

KMPR presents as a classic value trap; while the Graham Number ($48.53) and P/B ratio (0.74) suggest deep value, the fundamental health is deteriorating. The Piotroski F-Score of 4/9 indicates only stable health, which is overshadowed by a catastrophic earnings trend featuring 0 beats in the last 4 quarters and a -57.11% average surprise. With YoY EPS growth collapsing by 83.4% and a bearish technical trend (0/100), the low valuation is a reflection of declining business quality rather than a market mispricing.

Strengths
Low Price-to-Book ratio (0.74) suggesting assets are undervalued
Low Price-to-Sales ratio (0.41) indicating cheap revenue multiples
Graham Number ($48.53) is significantly above current market price
Risks
Severe earnings deterioration with -83.4% YoY EPS growth
Consistent failure to meet analyst expectations (0/4 beats in last 4 quarters)
Negative revenue growth (-4.70% YoY) indicating shrinking top line
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

KMPR vs MA: Head-to-Head Comparison

This page compares Kemper Corporation (KMPR) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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