HCI Group, Inc. (HCI) vs Kemper Corporation (KMPR)

HCI Group, Inc. and Kemper Corporation are both Insurance Property & Casualty companies. HCI Group, Inc. is the larger, with a market value of $2.4B against $2.1B — 1.1× the size. Kemper Corporation has negative trailing earnings, so its P/E is not meaningful; HCI Group, Inc. trades at 7.5×. HCI Group, Inc. grew revenue faster over the last twelve months: 20.1% against −4.46%. HCI Group, Inc. has the higher net margin (0.00% vs −10.8%) and the higher return on invested capital (56.7% vs −9.97%). Both pay a dividend; Kemper Corporation yields more (3.64% vs 0.83%). Across the 20 metrics below, HCI Group, Inc. leads on 17 and Kemper Corporation on 3.

Valuation

Metric HCI KMPR Insurance Property & Casualty median
P/E 7.50 n/m 12.17
P/S 2.38 0.45 1.26
P/B 1.91 0.95 1.85
Price to free cash flow 5.11 51.52 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 13.33% (23.88%) 8.20%
Free cash flow yield 19.58% 1.94% 11.86%

Profitability

Metric HCI KMPR Insurance Property & Casualty median
Gross margin 60.98% (0.55%) 37.39%
Operating margin 50.08% (10.61%) 14.67%
Net margin 0.00% (10.84%) 10.16%
Free cash flow margin 46.70% 8.68% 18.60%
Return on equity 0.00% (19.34%) 16.59%
Return on assets 0.00% (4.04%) 3.38%
Return on invested capital 56.67% (9.97%) 9.43%

Growth

Metric HCI KMPR Insurance Property & Casualty median
Revenue growth (TTM) 20.10% (4.46%) 5.70%
EPS growth (last fiscal year) 155.57% (53.36%) 39.61%
Revenue growth, 5-year CAGR 23.75% (1.65%) 9.23%
Net income growth, 5-year CAGR 61.50% (18.96%) 10.09%

Health

Metric HCI KMPR Insurance Property & Casualty median
Debt to equity 0.06 0.43 0.25
Current ratio 0.69 0.14 0.49
Net debt to EBITDA (2.56) 2.92 0.08

Dividend

Metric HCI KMPR Insurance Property & Casualty median
Dividend yield 0.83% 3.64% 1.56%
Payout ratio 0.06 — 0.15

Size

Metric HCI KMPR Insurance Property & Casualty median
Market cap 2.39b 2.08b 2.64b

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