COMP <GO>
HCI vs KMPR // GROSS PROFIT MARGIN
HCI Group Inc. (NYSE) VS. Kemper Corporation (NYSE) • 15-METRIC TALLY: HCI 6
— KMPR 2
■ METRIC PARITY
LAST: $198.23 (+1.53%) • MKT CAP: $2.47B
gross-margins
—
LAST: $32.57 (+10.48%) • MKT CAP: $1.92B
gross-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HCI VS. KMPR)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HCI | KMPR | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 30.80% | 5.30% | +25.50 | HCI | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 17.88% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 35.60% | 3.00% | +32.60 | HCI | /net-margins <GO> |
| Revenue Growth (YoY) | 20.10% | 3.30% | +16.80 | HCI | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.78% | 4.15% | -3.37 | KMPR | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 4/9 | +2.00 | HCI | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 55.7 | 70.0 | -14.30 | KMPR | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.5x | 12.5x | -6.00 | HCI | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.47B | $1.92B | $546.6M | HCI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HCI REV | KMPR REV | HCI GROSS % | KMPR GROSS % | HCI FCF | KMPR FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $900.9M | $4.79B | — | — | $440.8M | $584.5M |
| FY 2024 | $750.1M | $4.64B | — | — | $327.8M | $382.9M |
| FY 2023 | $550.7M | $4.94B | — | — | $230.7M | -$134.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HCI // BETA —
KMPR // BETA —