Kemper Corporation (KMPR) vs Porch Group, Inc. (PRCH)

Kemper Corporation and Porch Group, Inc. are both Insurance Property & Casualty companies. Porch Group, Inc. is the larger, with a market value of $1.9B against $1.5B — 1.3× the size. Porch Group, Inc. grew revenue faster over the last twelve months: 16.1% against −4.46%. Porch Group, Inc. has the higher net margin (−2.62% vs −10.8%) and the higher return on invested capital (7.07% vs −9.97%). Across the 21 metrics below, Porch Group, Inc. leads on 15 and Kemper Corporation on 6.

Valuation

Metric KMPR PRCH Insurance Property & Casualty median
P/E n/m n/m 10.29
P/S 0.33 3.58 1.17
P/B 0.68 94.82 1.83
Price to free cash flow 37.08 23.85 7.48
EV/EBITDA 43.77 31.45 7.49
EV/Sales 0.52 4.23 1.13
Earnings yield (33.18%) (1.80%) 9.50%
Free cash flow yield 2.70% 4.19% 13.29%

Profitability

Metric KMPR PRCH Insurance Property & Casualty median
Gross margin (0.55%) 72.10% 41.16%
Operating margin (10.61%) 7.88% 15.09%
Net margin (10.84%) (2.62%) 11.51%
Free cash flow margin 8.68% 15.60% 17.59%
Return on equity (19.34%) (156.54%) 18.19%
Return on assets (4.04%) (1.69%) 3.74%
Return on invested capital (9.97%) 7.07% 12.06%

Growth

Metric KMPR PRCH Insurance Property & Casualty median
Revenue growth (TTM) (4.46%) 16.10% 8.69%
EPS growth (last fiscal year) (53.36%) 90.90% —
Revenue growth, 5-year CAGR (1.65%) 20.18% 9.23%
Net income growth, 5-year CAGR (18.96%) 0.00% 10.09%

Health

Metric KMPR PRCH Insurance Property & Casualty median
Debt to equity 0.43 20.93 0.25
Current ratio 0.14 1.45 0.42
Net debt to EBITDA 2.92 5.36 0.08

Dividend

Metric KMPR PRCH Insurance Property & Casualty median
Dividend yield 2.16% — 2.79%
Payout ratio 0.99 0.00 0.27

Size

Metric KMPR PRCH Insurance Property & Casualty median
Market cap 1.48b 1.87b 2.44b

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