Crawford & Company (CRD.B) versus Kemper Corporation (KMPR) Critical Contrast
Kemper Corporation (NYSE: KMPR) and Crawford & Company (NYSE:CRD.B) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their profitabiliy, risk, analyst recommendations, earnings, institutional ownership, valuation and dividends.
This is a summary of current ratings and price targets for Kemper Corporation and Crawford & Company, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Crawford & Company||0||0||1||0||3.00|
Crawford & Company has a consensus price target of $15.00, suggesting a potential upside of Infinity. Given Crawford & Company’s stronger consensus rating and higher probable upside, analysts clearly believe Crawford & Company is more favorable than Kemper Corporation.
This table compares Kemper Corporation and Crawford & Company’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Crawford & Company||3.00%||26.35%||5.30%|
Valuation and Earnings
This table compares Kemper Corporation and Crawford & Company’s revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|Kemper Corporation||$2.56 billion||0.81||$129.00 million||$0.35||115.29|
|Crawford & Company||N/A||N/A||N/A||$0.57||N/A|
Kemper Corporation has higher revenue and earnings than Crawford & Company. Crawford & Company is trading at a lower price-to-earnings ratio than Kemper Corporation, indicating that it is currently the more affordable of the two stocks.
Volatility & Risk
Kemper Corporation has a beta of 1.12, meaning that its share price is 12% more volatile than the S&P 500. Comparatively, Crawford & Company has a beta of 1.79, meaning that its share price is 79% more volatile than the S&P 500.
Kemper Corporation pays an annual dividend of $0.96 per share and has a dividend yield of 2.4%. Crawford & Company pays an annual dividend of $0.20 per share. Kemper Corporation pays out 274.3% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Crawford & Company pays out 35.1% of its earnings in the form of a dividend.
Institutional and Insider Ownership
55.5% of Kemper Corporation shares are owned by institutional investors. Comparatively, 17.6% of Crawford & Company shares are owned by institutional investors. 0.9% of Kemper Corporation shares are owned by company insiders. Comparatively, 51.0% of Crawford & Company shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Crawford & Company beats Kemper Corporation on 10 of the 14 factors compared between the two stocks.
Kemper Corporation Company Profile
Kemper Corporation (Kemper) is a diversified insurance holding company. The Company, through its subsidiaries, provides automobile, homeowners, life, health and other insurance products to individuals and businesses. The Company operates through two segments: Property & Casualty Insurance, and Life & Health Insurance. The Property & Casualty Insurance segment’s products include personal automobile insurance, both preferred and nonstandard, homeowners insurance, other personal insurance and commercial automobile insurance. These products are distributed primarily through independent agents and brokers. The Life & Health Insurance segment’s products are individual life, accident, health and property insurance. These products are distributed by career agents employed by the Company and independent agents and brokers.
Crawford & Company Company Profile
Crawford & Company (Crawford) is an independent provider of claims management solutions to insurance and self-insured entities. The Company’s Crawford Solution offers claims services, business process outsourcing and consulting services for various product lines, including property and casualty claims management; workers’ compensation claims and medical management, and legal settlement administration. Crawford conducts its operations through four segments: U.S. Services, which primarily serves the property and casualty insurance company markets in the United States; International, which serves the property and casualty insurance company, and self-insurance markets outside the United States; Broadspire, which serves the self-insurance marketplace, primarily in the United States, and Garden City Group, which serves the class action, regulatory, mass tort, bankruptcy and other legal settlement markets, primarily in the United States.
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