Reviewing Kemper Corporation (KMPR)’s and American National Insurance Company (NASDAQ:ANAT)’s results

This is a contrast between Kemper Corporation (NYSE:KMPR) and American National Insurance Company (NASDAQ:ANAT) based on their analyst recommendations, profitability, risk, dividends, institutional ownership, earnings and valuation. The two companies are Property & Casualty Insurance and they also compete with each other.

Valuation & Earnings

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Kemper Corporation 3.69B 1.39 187.40M 3.63 23.02
American National Insurance Company 3.33B 1.14 159.00M 15.40 9.50

Table 1 demonstrates Kemper Corporation and American National Insurance Company’s top-line revenue, earnings per share (EPS) and valuation. American National Insurance Company is observed to has lower revenue, but higher earnings than Kemper Corporation. The business that is more expensive between the two has a higher price-to-earnings ratio. Kemper Corporation?s current price-to-earnings ratio is higher than that of American National Insurance Company, which means that it is the expensive of the two.

Profitability

Table 2 demonstrates the return on assets, net margins and return on equity of Kemper Corporation and American National Insurance Company.

Net Margins Return on Equity Return on Assets
Kemper Corporation 5.08% 7.4% 1.9%
American National Insurance Company 4.77% 9.9% 1.9%

Volatility and Risk

Kemper Corporation has a 1.17 beta, while its volatility is 17.00% which is more volatile than Standard & Poor’s 500. Competitively, American National Insurance Company’s beta is 0.85 which is 15.00% less volatile than Standard & Poor’s 500.

Dividends

Kemper Corporation dividend pay is $0.96 per share with 1.22% dividend yield annually. The dividend yield for American National Insurance Company is 2.29% while its annual dividend payout is $3.28 per share.

Analyst Recommendations

Kemper Corporation and American National Insurance Company Recommendations and Ratings are available in the next table.

Sell Ratings Hold Ratings Buy Ratings Rating Score
Kemper Corporation 0 1 1 2.50
American National Insurance Company 0 0 0 0.00

Kemper Corporation has a consensus price target of $81, and a 2.45% upside potential.

Insider & Institutional Ownership

Kemper Corporation and American National Insurance Company has shares held by institutional investors as follows: 69.9% and 64.4%. 0.1% are Kemper Corporation’s share held by insiders. On the other hand, insiders held about 23.56% of American National Insurance Company?s shares.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
Kemper Corporation 1% 11.04% 11.46% 2.56% 47.23% 25.76%
American National Insurance Company -3.94% 5.05% 14.94% 12.74% 26.71% 14.92%

For the past year Kemper Corporation has stronger performance than American National Insurance Company

Summary

Kemper Corporation beats on 10 of the 14 factors American National Insurance Company.

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 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.

American National Insurance Company, together with its subsidiaries, provides various insurance products and services in the United States, the District of Columbia, and Puerto Rico. The company's Life segment offers whole life, term life, universal life, variable universal life, and credit life insurance products. Its Annuity segment provides deferred, variable, and single premium immediate annuity products. The company's Health segment offers medicare supplement, supplemental, stop-loss, credit disability, and medical expense insurance. Its Property and Casualty segment provides personal lines insurance, such as auto, homeowners, boats, motorcycles, recreational vehicles, and other exposures; and commercial lines of insurance, including property and casualty coverage tailored for a farm, ranch, or other agricultural business within the rural and suburban markets, as well as property, liability, and workers' compensation coverages. This segment also offers credit-related property insurance products comprising collateral or creditor protection insurance; guaranteed auto protection or guaranteed asset protection insurance; and mortgage security insurance. The company distributes its products through career and multiple-line agents, broker-dealers, independent insurance agents and brokers, managing general underwriters, and financial institutions, as well as through direct marketing channels. American National Insurance Company was founded in 1905 and is headquartered in Galveston, Texas.