Kemper Corporation (KMPR) vs Trupanion, Inc. (TRUP)

Kemper Corporation and Trupanion, Inc. are both Insurance Property & Casualty companies. Kemper Corporation is the larger, with a market value of $2.1B against $1.5B — 1.4× the size. Kemper Corporation has negative trailing earnings, so its P/E is not meaningful; Trupanion, Inc. trades at 56.6×. Trupanion, Inc. grew revenue faster over the last twelve months: 11.4% against −4.46%. Trupanion, Inc. has the higher net margin (1.71% vs −10.8%) and the higher return on invested capital (16.3% vs −9.97%). Across the 19 metrics below, Trupanion, Inc. leads on 16 and Kemper Corporation on 3.

Valuation

Metric KMPR TRUP Insurance Property & Casualty median
P/E n/m 56.64 12.17
P/S 0.45 0.97 1.26
P/B 0.95 3.77 1.85
Price to free cash flow 51.52 17.37 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (23.88%) 1.77% 8.20%
Free cash flow yield 1.94% 5.76% 11.86%

Profitability

Metric KMPR TRUP Insurance Property & Casualty median
Gross margin (0.55%) 16.75% 37.39%
Operating margin (10.61%) 0.00% 14.67%
Net margin (10.84%) 1.71% 10.16%
Free cash flow margin 8.68% 5.56% 18.60%
Return on equity (19.34%) 6.94% 16.59%
Return on assets (4.04%) 2.96% 3.38%
Return on invested capital (9.97%) 16.28% 9.43%

Growth

Metric KMPR TRUP Insurance Property & Casualty median
Revenue growth (TTM) (4.46%) 11.41% 5.70%
EPS growth (last fiscal year) (53.36%) 295.65% 39.61%
Revenue growth, 5-year CAGR (1.65%) 23.45% 9.23%
Net income growth, 5-year CAGR (18.96%) 0.00% 10.09%

Health

Metric KMPR TRUP Insurance Property & Casualty median
Debt to equity 0.43 0.26 0.25
Current ratio 0.14 1.74 0.49
Net debt to EBITDA 2.92 (8.49) 0.08

Dividend

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

Size

Metric KMPR TRUP Insurance Property & Casualty median
Market cap 2.08b 1.52b 2.64b

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