Ategrity Specialty Insurance Company Holdings (ASIC) vs Kemper Corporation (KMPR)

Ategrity Specialty Insurance Company Holdings and Kemper Corporation are both Insurance Property & Casualty companies. Kemper Corporation is the larger, with a market value of $1.7B against $1.3B — 1.3× the size. Kemper Corporation has negative trailing earnings, so its P/E is not meaningful; Ategrity Specialty Insurance Company Holdings trades at 12.3×. Ategrity Specialty Insurance Company Holdings grew revenue faster over the last twelve months: 36.6% against −4.46%. Ategrity Specialty Insurance Company Holdings has the higher net margin (20.5% vs −10.8%) and the higher return on invested capital (14.1% vs −9.97%). Across the 17 metrics below, Ategrity Specialty Insurance Company Holdings leads on 15 and Kemper Corporation on 2.

Valuation

Metric ASIC KMPR Insurance Property & Casualty median
P/E 12.33 n/m 10.75
P/S 2.53 0.38 1.21
P/B 1.95 0.79 1.99
Price to free cash flow 7.55 42.86 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.11% (28.70%) 9.08%
Free cash flow yield 13.24% 2.33% 12.11%

Profitability

Metric ASIC KMPR Insurance Property & Casualty median
Gross margin 28.38% (0.55%) 41.16%
Operating margin 27.87% (10.61%) 15.09%
Net margin 20.50% (10.84%) 11.51%
Free cash flow margin 33.51% 8.68% 17.46%
Return on equity 17.22% (19.34%) 17.34%
Return on assets 7.00% (4.04%) 3.74%
Return on invested capital 14.08% (9.97%) 12.06%

Growth

Metric ASIC KMPR Insurance Property & Casualty median
Revenue growth (TTM) 36.63% (4.46%) 8.02%
EPS growth (last fiscal year) 7.33% (53.36%) 39.61%
Revenue growth, 5-year CAGR — (1.65%) 9.23%
Net income growth, 5-year CAGR — (18.96%) 10.09%

Health

Metric ASIC KMPR Insurance Property & Casualty median
Debt to equity 0.00 0.43 0.25
Current ratio 0.53 0.14 0.42
Net debt to EBITDA (0.30) 2.92 0.08

Dividend

Metric ASIC KMPR Insurance Property & Casualty median
Dividend yield — 4.37% 1.50%
Payout ratio — — 0.14

Size

Metric ASIC KMPR Insurance Property & Casualty median
Market cap 1.29b 1.67b 2.67b

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack