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 $2.0B against $1.7B — 1.2× 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 19 metrics below, Porch Group, Inc. leads on 14 and Kemper Corporation on 5.

Valuation

Metric KMPR PRCH Insurance Property & Casualty median
P/E n/m n/m 10.75
P/S 0.38 3.79 1.21
P/B 0.79 100.38 1.99
Price to free cash flow 42.86 25.25 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (28.70%) (1.70%) 9.08%
Free cash flow yield 2.33% 3.96% 12.11%

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% 17.46%
Return on equity (19.34%) (156.54%) 17.34%
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% 8.02%
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 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 4.37% — 1.50%
Payout ratio — — 0.14

Size

Metric KMPR PRCH Insurance Property & Casualty median
Market cap 1.67b 1.99b 2.67b

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