Heritage Insurance (HRTG) vs Kemper (KMPR)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Heritage Insurance (HRTG) has outperformed Kemper (KMPR) over the past year, gaining 36.3% versus a loss of 47.2%. Over five years, HRTG leads with a +401.3% price change compared with -60.3% for KMPR. Kemper is the larger company by market cap ($1.62 billion vs $1.05 billion), about 1.5 times the size.
On valuation, Kemper trades at a lower forward P/E (6.5x vs 6.8x for Heritage Insurance). Kemper pays a dividend yielding 4.66%, while Heritage Insurance does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | HRTG | KMPR |
|---|---|---|
| Share price | $35.23 | $27.47 |
| Market cap | $1.05B | $1.62B |
| 1-day change | +2.00% | +4.65% |
| YTD return | +18.05% | -35.25% |
| 1-year return | +36.25% | -47.24% |
| 5-year return | +401.31% | -60.31% |
| P/E ratio (TTM) | 5.03 | — |
| Forward P/E | 6.80 | 6.49 |
| EPS (TTM) | $7.01 | $-8.36 |
| Dividend yield | 0.00% | 4.66% |
| Annual dividend | $0.00 | $1.28 |
| 52-week high | $36.50 | $50.52 |
| 52-week low | $20.48 | $22.69 |
| Distance from 52-week high | -3.48% | -45.63% |
| Analyst consensus | buy | none |
| Avg. price target upside | +10.70% | +32.25% |
| Average volume | 292.26K | 871.07K |
| Shares outstanding | 29.73M | 58.87M |
| Employees | 542 | 7,300 |
| Sector | Finance | Finance |
| Industry | Property-Casualty Insurers | Property-Casualty Insurers |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- HRTG has outperformed KMPR by 83.5 percentage points over the past year.
- Kemper offers a meaningfully higher dividend yield (4.66% vs 0.00%).
About Heritage Insurance
HRTG stock →Heritage Insurance Holdings, Inc., through its subsidiaries, provides personal and commercial residential insurance products. It offers personal residential insurance in Alabama, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, and Virginia; and commercial residential property insurance in Florida, Hawaii, New Jersey, and New York.
Finance · Property-Casualty Insurers · 542 employees
About Kemper
KMPR stock →Kemper Corporation, an insurance holding company, provides insurance products in the United States. It operates in two segments, Specialty Property & Casualty Insurance, and Life Insurance.
Finance · Property-Casualty Insurers · 7,300 employees
HRTG vs KMPR FAQ
Which is bigger, Heritage Insurance or Kemper?
Kemper (KMPR) is larger, with a market capitalization of $1.62B compared with $1.05B for Heritage Insurance (HRTG).
Which stock has performed better over the past year, HRTG or KMPR?
HRTG returned +36.25% over the past 12 months, compared with -47.24% for KMPR (price return, excluding dividends). Past performance does not predict future results.
Which pays a higher dividend, Heritage Insurance or Kemper?
Kemper pays a dividend yielding 4.66%, while Heritage Insurance does not currently pay a regular dividend.
Are Heritage Insurance and Kemper in the same industry?
Yes. Both are classified in the Property-Casualty Insurers industry within the Finance sector.