Kemper Corporation (KMPR) vs Stewart Information Services Corporation (STC)

Kemper Corporation and Stewart Information Services Corporation are both Insurance Property & Casualty companies. Kemper Corporation and Stewart Information Services Corporation are of similar size ($1.7B and $1.6B). Kemper Corporation has negative trailing earnings, so its P/E is not meaningful; Stewart Information Services Corporation trades at 11.5×. Stewart Information Services Corporation grew revenue faster over the last twelve months: 22.5% against −4.46%. Stewart Information Services Corporation has the higher net margin (4.12% vs −10.8%) and the higher return on invested capital (9.12% vs −9.97%). Both pay a dividend; Kemper Corporation yields more (4.37% vs 4.04%). Across the 20 metrics below, Stewart Information Services Corporation leads on 16 and Kemper Corporation on 4.

Valuation

Metric KMPR STC Insurance Property & Casualty median
P/E n/m 11.52 10.75
P/S 0.38 0.49 1.21
P/B 0.79 0.96 1.99
Price to free cash flow 42.86 10.87 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (28.70%) 8.68% 9.08%
Free cash flow yield 2.33% 9.20% 12.11%

Profitability

Metric KMPR STC Insurance Property & Casualty median
Gross margin (0.55%) 64.35% 41.16%
Operating margin (10.61%) 9.19% 15.09%
Net margin (10.84%) 4.12% 11.51%
Free cash flow margin 8.68% 4.50% 17.46%
Return on equity (19.34%) 8.64% 17.34%
Return on assets (4.04%) 4.44% 3.74%
Return on invested capital (9.97%) 9.12% 12.06%

Growth

Metric KMPR STC Insurance Property & Casualty median
Revenue growth (TTM) (4.46%) 22.49% 8.02%
EPS growth (last fiscal year) (53.36%) 55.17% 39.61%
Revenue growth, 5-year CAGR (1.65%) 5.01% 9.23%
Net income growth, 5-year CAGR (18.96%) (5.70%) 10.09%

Health

Metric KMPR STC Insurance Property & Casualty median
Debt to equity 0.43 0.39 0.25
Current ratio 0.14 1.81 0.42
Net debt to EBITDA 2.92 0.99 0.08

Dividend

Metric KMPR STC Insurance Property & Casualty median
Dividend yield 4.37% 4.04% 1.50%
Payout ratio — 0.47 0.14

Size

Metric KMPR STC Insurance Property & Casualty median
Market cap 1.67b 1.59b 2.67b

Compare with another peer

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