Kemper Corporation (KMPR) vs Lemonade, Inc. (LMND)

Kemper Corporation and Lemonade, Inc. are both Insurance Property & Casualty companies. Lemonade, Inc. is the larger, with a market value of $3.2B against $2.0B — 1.6× the size. Lemonade, Inc. grew revenue faster over the last twelve months: 62.3% against −4.46%. Kemper Corporation has the higher net margin (−10.8% vs −14.2%) and the higher return on invested capital (−9.97% vs −25.6%). Across the 19 metrics below, Kemper Corporation leads on 10 and Lemonade, Inc. on 9.

Valuation

Metric KMPR LMND Insurance Property & Casualty median
P/E n/m n/m 11.87
P/S 0.44 3.27 1.26
P/B 0.91 6.38 1.99
Price to free cash flow 49.52 393.19 8.12
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (24.84%) (4.42%) 8.04%
Free cash flow yield 2.02% 0.25% 11.85%

Profitability

Metric KMPR LMND Insurance Property & Casualty median
Gross margin (0.55%) 51.65% 41.66%
Operating margin (10.61%) (13.67%) 14.71%
Net margin (10.84%) (14.19%) 10.84%
Free cash flow margin 8.68% 0.83% 17.46%
Return on equity (19.34%) (26.96%) 16.87%
Return on assets (4.04%) (7.01%) 3.57%
Return on invested capital (9.97%) (25.59%) 12.03%

Growth

Metric KMPR LMND Insurance Property & Casualty median
Revenue growth (TTM) (4.46%) 62.31% 5.92%
EPS growth (last fiscal year) (53.36%) 21.40% 39.61%
Revenue growth, 5-year CAGR (1.65%) 50.87% 9.23%
Net income growth, 5-year CAGR (18.96%) 0.00% 10.09%

Health

Metric KMPR LMND Insurance Property & Casualty median
Debt to equity 0.43 0.41 0.25
Current ratio 0.14 0.81 0.42
Net debt to EBITDA 2.92 1.58 0.08

Dividend

Metric KMPR LMND Insurance Property & Casualty median
Dividend yield 3.78% — 1.44%
Payout ratio — — 0.14

Size

Metric KMPR LMND Insurance Property & Casualty median
Market cap 1.99b 3.20b 2.61b

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