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 $2.3B against $2.1B — 1.1× the size. Kemper Corporation has negative trailing earnings, so its P/E is not meaningful; Porch Group, Inc. trades at 344×. Porch Group, Inc. grew revenue faster over the last twelve months: 15.6% against −4.46%. Porch Group, Inc. has the higher net margin (1.81% vs −10.8%) and the higher return on invested capital (7.73% vs −9.97%). Across the 19 metrics below, Porch Group, Inc. leads on 15 and Kemper Corporation on 4.

Valuation

Metric KMPR PRCH Insurance Property & Casualty median
P/E n/m 343.94 12.17
P/S 0.45 4.37 1.26
P/B 0.95 78.18 1.85
Price to free cash flow 51.52 24.29 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (23.88%) 0.29% 8.20%
Free cash flow yield 1.94% 4.12% 11.86%

Profitability

Metric KMPR PRCH Insurance Property & Casualty median
Gross margin (0.55%) 72.06% 37.39%
Operating margin (10.61%) 7.97% 14.67%
Net margin (10.84%) 1.81% 10.16%
Free cash flow margin 8.68% 18.60% 18.60%
Return on equity (19.34%) 47.80% 16.59%
Return on assets (4.04%) 1.16% 3.38%
Return on invested capital (9.97%) 7.73% 9.43%

Growth

Metric KMPR PRCH Insurance Property & Casualty median
Revenue growth (TTM) (4.46%) 15.64% 5.70%
EPS growth (last fiscal year) (53.36%) 90.90% 39.61%
Revenue growth, 5-year CAGR (1.65%) 46.17% 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 13.63 0.25
Current ratio 0.14 1.46 0.49
Net debt to EBITDA 2.92 5.36 0.08

Dividend

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

Size

Metric KMPR PRCH Insurance Property & Casualty median
Market cap 2.08b 2.32b 2.64b

Compare with another peer

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