Enova vs Kemper

This page compares Enova and Kemper, outlining business models, financial performance, and market context in a clear, accessible way. It presents neutral information to help readers understand how each company operates within its sector. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

ENVA

Metric

KMPR

$4.31B

Market Cap

$2.25B

8.04%

Potential Profit

50.12%

Buy

Analyst Rating

Buy

Investment Analysis

Enova

ENVA

Pros

Enova International has demonstrated strong recent stock performance, reaching an all-time high with a 29.91% gain over the past year and 33.5% year-to-date returns.
The company reports solid profitability metrics, including a 24.06% return on equity and a net profit margin of over 20%, indicating efficient capital and profit management.
Analyst consensus rates Enova as a strong buy, with forecasted revenue and EPS growth projected above 15% annually through 2027, supported by robust loan originations and expansion in various markets.

Considerations

Despite its growth, Enova has a high debt-to-equity ratio of nearly 320%, raising concerns about leverage and financial risk.
The company experienced a slight revenue miss in its latest quarterly report, which could signal challenges in sustaining top-line growth momentum.
Enova operates in the highly competitive online financial services and fintech sector, which is exposed to regulatory risks and rapid technological change.

Kemper

KMPR

Pros

Kemper Corporation benefits from a diversified insurance business model, providing property and casualty, life, and health insurance products, which helps mitigate exposure to any single segment.
The company has shown stable underwriting results and consistent cash flow generation, supporting its financial strength and ability to return capital to shareholders.
Kemper has been focusing on digital transformation initiatives to improve customer experience and operational efficiency, positioning it well for long-term growth.

Considerations

Kemper faces ongoing exposure to catastrophe losses and market volatility common in the insurance sector, which can negatively impact earnings in certain periods.
The company’s profitability metrics have underperformed some peers, reflecting challenges in pricing adequacy and expense control.
Kemper operates in a highly regulated environment subject to changing insurance laws and competitive pressures, posing execution and compliance risks.

About The Companies

Enova (ENVA)

Enova International (ENVA) is a fintech-focused lender that provides short-term and instalment credit products to consumers and small businesses, primarily via online channels. The company leverages data analytics and automated underwriting to assess creditworthiness, aiming for faster decisions and tailored pricing. With a market cap around $2.8bn, Enova operates in competitive and regulated markets where loan performance can be cyclical and sensitive to macro conditions. Investors often watch its loan book growth, credit loss trends and regulatory developments, as these drive profitability and capital requirements. Key risks include credit losses during economic downturns, changes in consumer protection rules, and technological or model errors. This summary is for educational purposes only — it is not personalised investment advice. Values can rise and fall, and past performance is not a reliable indicator of future results. Consider your risk tolerance and consult a qualified adviser for personal suitability.

Kemper (KMPR)

Kemper Corporation is a diversified insurance holding company based in the United States. Through its subsidiaries, it operates in both the property and casualty and the life insurance markets. The company provides a range of insurance solutions for individuals, families, and businesses under its Kemper Auto and Kemper Life brands. Its business is structured into two main segments: Speciality Property & Casualty Insurance, which focuses on automobile cover distributed through independent agents, and Life Insurance, offering individual life, accident, and supplemental health policies. By operating across these different areas of insurance, Kemper aims to meet a variety of customer needs. Investors might find its focus on the domestic US market and its diversified business model key aspects to consider when looking at the company. As with any investment, it's important to remember that market conditions can change, and past performance is not a guarantee of future returns.

Which Baskets Do They Appear In?

Inflation-Resistant Investments | Core PCE at 2.9%

The Federal Reserve's key inflation metric remained elevated at 2.9%, signaling that the fight against rising prices is ongoing. This creates a potential investment opportunity in companies that can thrive in a high-inflation, high-interest-rate environment.

Published: September 28, 2025

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Which Baskets Do They Appear In?

Inflation-Resistant Investments | Core PCE at 2.9%

Published: September 28, 2025

Explore Basket

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