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

Kemper Corporation and United Fire Group, Inc are both Insurance Property & Casualty companies. Kemper Corporation is the larger, with a market value of $1.7B against $1.4B — 1.2× the size. Kemper Corporation has negative trailing earnings, so its P/E is not meaningful; United Fire Group, Inc trades at 10.5×. 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; Kemper Corporation yields more (4.37% vs 1.35%). Across the 20 metrics below, United Fire Group, Inc leads on 17 and Kemper Corporation on 3.

Valuation

Metric KMPR UFCS Insurance Property & Casualty median
P/E n/m 10.47 10.75
P/S 0.38 0.98 1.21
P/B 0.79 1.48 1.99
Price to free cash flow 42.86 5.39 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (28.70%) 9.55% 9.08%
Free cash flow yield 2.33% 18.57% 12.11%

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% 17.46%
Return on equity (19.34%) 15.46% 17.34%
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% 8.02%
EPS growth (last fiscal year) (53.36%) 87.45% 39.61%
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 4.37% 1.35% 1.50%
Payout ratio — 0.14 0.14

Size

Metric KMPR UFCS Insurance Property & Casualty median
Market cap 1.67b 1.42b 2.67b

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