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 $1.7B against $1.2B — 1.4× the size. Kemper Corporation has negative trailing earnings, so its P/E is not meaningful; Trupanion, Inc. trades at 52.1×. Trupanion, Inc. grew revenue faster over the last twelve months: 11.8% against −4.46%. Trupanion, Inc. has the higher net margin (1.53% vs −10.8%) and the higher return on invested capital (12.8% 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 52.07 10.75
P/S 0.38 0.81 1.21
P/B 0.79 3.00 1.99
Price to free cash flow 42.86 14.96 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (28.70%) 1.92% 9.08%
Free cash flow yield 2.33% 6.68% 12.11%

Profitability

Metric KMPR TRUP Insurance Property & Casualty median
Gross margin (0.55%) 16.55% 41.16%
Operating margin (10.61%) 1.57% 15.09%
Net margin (10.84%) 1.53% 11.51%
Free cash flow margin 8.68% 5.40% 17.46%
Return on equity (19.34%) 6.07% 17.34%
Return on assets (4.04%) 2.61% 3.74%
Return on invested capital (9.97%) 12.78% 12.06%

Growth

Metric KMPR TRUP Insurance Property & Casualty median
Revenue growth (TTM) (4.46%) 11.80% 8.02%
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 1.77 0.42
Net debt to EBITDA 2.92 (8.49) 0.08

Dividend

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

Size

Metric KMPR TRUP Insurance Property & Casualty median
Market cap 1.67b 1.22b 2.67b

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