Kemper vs RLI
KMPR and RLI side by side, both in fire, marine, and casualty insurance. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How KMPR and RLI compare
RLI is the larger company, worth 3.2 times as much as Kemper ($6.4B against $2.0B).
RLI grew revenue faster over the last twelve months (4.6% versus −8.7% for Kemper).
RLI keeps more of each dollar of sales as profit, with a net margin of 20.3% compared with −9.5% at Kemper.
Both pay dividends: Kemper yields 3.7% and RLI 6.7%.
RLI scores higher on the StockData Score (10 against 6 for Kemper), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | KMPR | RLI |
|---|---|---|
| Size and price | ||
| Market cap | $2.0B | $6.4B |
| Share price | $34.15 | $69.65 |
| Change, 1 year | −7.3% | 12.0% |
| Change, 5 years | −41.1% | 25.6% |
| Beta (5Y) | 0.69 | 0.32 |
| Employees | 7,400 | 1,193 |
| StockData Score | ||
| Total score | 6 | 10 (better) |
| Valuation score | 2 (better) | 1 |
| Growth score | 0 | 0 |
| Performance score | 0 | 5 (better) |
| Health score | 1 (better) | 0 |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | – | 16.2× |
| P/S | 0.5× (better) | 3.3× |
| P/B | 0.9× (better) | 3.8× |
| P/FCF | 6.3× (better) | 12.0× |
| FCF yield | 15.8% (better) | 8.3% |
| Fair value | – | $58.62 |
| Margin of safety | – | −18.8% |
| Growth | ||
| Revenue growth (TTM) | −8.7% | 4.6% (better) |
| Revenue growth, 5Y average | −1.7% | 13.9% (better) |
| Net income growth (TTM) | −270% | 11.9% (better) |
| EPS growth (TTM) | −287% | 12.6% (better) |
| EPS growth, 5Y average | −17.9% | 20.4% (better) |
| Profitability | ||
| Net margin | −9.5% | 20.3% (better) |
| FCF margin | 7.2% | 27.4% (better) |
| Return on equity | −17.4% | 22.1% (better) |
| Financial health | ||
| Debt / equity | 0.44 | – |
| Altman Z-score | 0.59 | 1.53 (better) |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 3.7% | 6.7% (better) |
| Payout ratio | – | 109% |
| Years of dividend growth | 1 | 2 (better) |
| Dividend growth, 5Y average | 1.3% | 22.0% (better) |
| Buyback yield | 2.5% | – |
| Shareholder yield | 6.3% | 6.7% (better) |
| Ownership | ||
| Held by institutions | 96.7% | 95.6% |
| Held by insiders | 1.8% | 1.6% |
| Insider net buying, 12 months | $350K | $1.5M (better) |
| Superinvestors holding | – | 1 |
| Short interest, % of float | – | 9.4% |
Go deeper
- KMPR stock overview
- KMPR income statement
- KMPR valuation and score
- RLI stock overview
- RLI income statement
- RLI valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.