Kemper Corporation (KMPR) vs United Fire Group, Inc (UFCS)

Kemper Corporation and United Fire Group, Inc are both Insurance Property & Casualty companies. Kemper Corporation and United Fire Group, Inc are of similar size ($1.5B and $1.4B). Kemper Corporation has negative trailing earnings, so its P/E is not meaningful; United Fire Group, Inc trades at 9.9×. United Fire Group, Inc grew revenue faster over the last twelve months: 11.4% against −4.46%. United Fire Group, Inc has the higher net margin (9.57% vs −10.8%) and the higher return on invested capital (12.0% vs −9.97%). Both pay a dividend; United Fire Group, Inc yields more (2.93% vs 2.16%). Across the 22 metrics below, United Fire Group, Inc leads on 19 and Kemper Corporation on 3.

Valuation

Metric KMPR UFCS Insurance Property & Casualty median
P/E n/m 9.91 10.29
P/S 0.33 0.93 1.17
P/B 0.68 1.40 1.83
Price to free cash flow 37.08 5.10 7.48
EV/EBITDA 43.77 6.85 7.49
EV/Sales 0.52 0.93 1.13
Earnings yield (33.18%) 10.09% 9.50%
Free cash flow yield 2.70% 19.60% 13.29%

Profitability

Metric KMPR UFCS Insurance Property & Casualty median
Gross margin (0.55%) 35.24% 41.16%
Operating margin (10.61%) 12.87% 15.09%
Net margin (10.84%) 9.57% 11.51%
Free cash flow margin 8.68% 18.22% 17.59%
Return on equity (19.34%) 15.46% 18.19%
Return on assets (4.04%) 3.67% 3.74%
Return on invested capital (9.97%) 12.03% 12.06%

Growth

Metric KMPR UFCS Insurance Property & Casualty median
Revenue growth (TTM) (4.46%) 11.36% 8.69%
EPS growth (last fiscal year) (53.36%) 87.45% —
Revenue growth, 5-year CAGR (1.65%) 5.34% 9.23%
Net income growth, 5-year CAGR (18.96%) 0.00% 10.09%

Health

Metric KMPR UFCS Insurance Property & Casualty median
Debt to equity 0.43 0.15 0.25
Current ratio 0.14 0.34 0.42
Net debt to EBITDA 2.92 (0.06) 0.08

Dividend

Metric KMPR UFCS Insurance Property & Casualty median
Dividend yield 2.16% 2.93% 2.79%
Payout ratio 0.99 0.30 0.27

Size

Metric KMPR UFCS Insurance Property & Casualty median
Market cap 1.48b 1.37b 2.44b

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