Trupanion [TRUP] vs Kemper [KMPR] Detailed Stock Comparison

Trupanion Inc.

NASDAQ
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Kemper Corporation

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Trupanion Inc. wins in 4 metrics, Kemper Corporation wins in 15 metrics, with 0 ties. Kemper Corporation appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Trupanion Inc. Kemper Corporation Better
P/E Ratio (TTM) 61.02 14.25 Kemper Corporation
Price-to-Book Ratio 3.10 0.71 Kemper Corporation
Debt-to-Equity Ratio 32.80 56.29 Trupanion Inc.
PEG Ratio 0.27 -0.13 Trupanion Inc.
EV/EBITDA 30.47 9.48 Kemper Corporation
Profit Margin (TTM) 1.35% 2.99% Kemper Corporation
Operating Margin (TTM) 2.19% 2.94% Kemper Corporation
EBITDA Margin (TTM) 2.19% 2.94% Kemper Corporation
Return on Equity 5.50% 4.86% Trupanion Inc.
Return on Assets (TTM) 1.11% 1.18% Kemper Corporation
Free Cash Flow (TTM) $75.36M $553.90M Kemper Corporation
Dividend Yield N/A 3.89% N/A
1-Year Return -53.47% -60.34% Trupanion Inc.
Price-to-Sales Ratio (TTM) 0.83 0.40 Kemper Corporation
Enterprise Value $947.81M $2.95B Kemper Corporation
EV/Revenue Ratio 0.66 0.62 Kemper Corporation
Gross Profit Margin (TTM) 17.26% N/A N/A
Revenue per Share (TTM) $34 $77 Kemper Corporation
Earnings per Share (Diluted) $0.45 $2.29 Kemper Corporation
Beta (Stock Volatility) 1.66 1.13 Kemper Corporation
Short % of Float 9.97% 6.71% Kemper Corporation

Trupanion Inc. vs Kemper Corporation Stock Performance Analysis

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TRUP
KMPR

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Trupanion Inc.1.06%8.39%7.03%-5.76%-34.95%-35.75%
Kemper Corporation2.16%4.88%-13.91%-14.08%-37.92%-35.34%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Trupanion Inc.-53.47%-9.32%-77.39%82.20%107.46%107.46%
Kemper Corporation-60.34%-45.41%-64.08%-20.77%-13.00%-42.48%

Performance & Financial Health Analysis: Trupanion Inc. vs Kemper Corporation

MetricTRUPKMPR
Market Information
Market Cap i$1.19B$1.92B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i305,540608,599
90 Day Avg. Volume i355,2131,058,896
Last Close$23.90$25.56
52 Week Range$21.16 - $57.88$22.69 - $65.32
% from 52W High-58.71%-60.87%
All-Time High$158.25 (Dec 06, 2021)$91.98 (Apr 29, 2019)
% from All-Time High-84.90%-72.21%
Growth Metrics
Quarterly Revenue Growth0.12%-0.05%
Quarterly Earnings Growth2.40%-0.05%
Financial Health
Profit Margin (TTM) i0.01%0.03%
Operating Margin (TTM) i0.02%0.03%
Return on Equity (TTM) i0.06%0.05%
Debt to Equity (MRQ) i32.8056.29
Cash & Liquidity
Book Value per Share (MRQ)$8.85$45.71
Cash per Share (MRQ)$8.54$7.73
Operating Cash Flow (TTM) i$89.49M$584.50M
Levered Free Cash Flow (TTM) i$-23,275,000$2.61B
Dividends
Last 12-Month Dividend Yield iN/A3.89%
Last 12-Month Dividend iN/A$1.28

Valuation & Enterprise Metrics Analysis: Trupanion Inc. vs Kemper Corporation

MetricTRUP (Apr 26, 2026)KMPR (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i61.0214.25
Forward P/E i6.466.35
PEG Ratio i0.27-0.13
Price to Sales (TTM) i0.830.40
Price to Book (MRQ) i3.100.71
Market Capitalization
Market Capitalization i$1.19B$1.92B
Enterprise Value i$947.81M$2.95B
Enterprise Value Metrics
Enterprise to Revenue i0.660.62
Enterprise to EBITDA i30.479.48
Risk & Other Metrics
Beta i1.661.13
Book Value per Share (MRQ) i$8.85$45.71

Financial Statements Comparison: Trupanion Inc. vs Kemper Corporation

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricTRUP (2025)KMPR (2025)
Revenue/Sales i1.44B4.78B
Cost of Goods Sold i1.21BN/A
COGS % of Revenue i83.9%0.0%
Gross Profit i231.01MN/A
Gross Margin i16.1%0.0%
Research & Development i37.85MN/A
Operating Income (EBIT) i100.68MN/A
Operating Margin i7.0%0.0%
EBITDA i138.13MN/A
EBITDA Margin i9.6%0.0%
Pre-Tax Income i21.99M160.70M
Pre-Tax Income % of Revenue i1.5%3.4%
Income Tax i2.56M28.10M
Income Tax % of Revenue i0.2%0.6%
Net Income (Profit) i19.43M132.60M
Profit Margin i1.4%2.8%

Balance Sheet & Liquidity Metrics

MetricTRUP (2025)KMPR (2025)
Cash & Equivalents i138.02M126.00M
Total Current Assets i691.06MN/A
Total Current Assets % of Revenue i48.0%0.0%
Total Current Liabilities i409.81MN/A
Total Current Liabilities % of Revenue i28.5%0.0%
Long-Term Debt i101.78M943.50M
Long-Term Debt % of Revenue i7.1%19.7%
Total Shareholders Equity i383.94M2.67B
Retained Earnings i-206.46M1.16B
Retained Earnings % of Revenue i-14.3%24.2%
Property, Plant & Equipment i0N/A

Cash Flow Statement Comparison

MetricTRUP (2025)KMPR (2025)
Operating Cash Flow i97.31M175.00M
Operating Cash Flow % of Revenue i6.8%3.7%
Capital Expenditures i-14.13MN/A
Free Cash Flow i75.36M553.90M
FCF Margin i5.2%11.6%
Debt Repayment i-134.44M-450.00M
Common Stock Repurchase i-3.71M-301.90M

Short Interest & Institutional Ownership Analysis

MetricTRUPKMPR
Shares Short i3.60M3.52M
Short Ratio i9.592.83
Short % of Float i9.97%6.71%
Shares Outstanding i43.40M58.67M
Float Shares i34.52M58.09M
% Held by Insiders i15.66%0.98%
% Held by Institutions i84.69%90.24%
% Held by Public i-0.35%8.78%

Dividend Analysis & Yield Comparison: Trupanion Inc. vs Kemper Corporation

MetricTRUPKMPR
Last 12-Month Dividend iN/A$1.28
Last 12-Month Dividend Yield iN/A3.89%
3-Year Avg Annual Dividend iN/A$1.26
3-Year Avg Dividend Yield iN/A0.63%
3-Year Total Dividends iN/A$3.77
Ex-Dividend DateN/AFeb 17, 2026