KEMPER CORP - KMPR 5 7/8 03/15/62 (KMPB) Fundamental Analysis & Valuation

NYSE:KMPB • US4884013081

Current stock price

22.84 USD
-0.02 (-0.11%)
At close:
22.84 USD
0 (0%)
Pre-Market:

This KMPB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. KMPB Profitability Analysis

1.1 Basic Checks

  • KMPB had positive earnings in the past year.
  • In the past year KMPB had a positive cash flow from operations.
  • In multiple years KMPB reported negative net income over the last 5 years.
  • In multiple years KMPB reported negative operating cash flow during the last 5 years.
KMPB Yearly Net Income VS EBIT VS OCF VS FCFKMPB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M 600M

1.2 Ratios

  • KMPB's Return On Assets of 1.15% is in line compared to the rest of the industry. KMPB outperforms 40.54% of its industry peers.
  • Looking at the Return On Equity, with a value of 5.34%, KMPB is doing worse than 68.24% of the companies in the same industry.
  • KMPB has a Return On Invested Capital (1.82%) which is comparable to the rest of the industry.
  • KMPB had an Average Return On Invested Capital over the past 3 years of 1.99%. This is significantly below the industry average of 9.46%.
Industry RankSector Rank
ROA 1.15%
ROE 5.34%
ROIC 1.82%
ROA(3y)0.51%
ROA(5y)-0.29%
ROE(3y)1.96%
ROE(5y)-1.59%
ROIC(3y)1.99%
ROIC(5y)N/A
KMPB Yearly ROA, ROE, ROICKMPB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 -10

1.3 Margins

  • The Profit Margin of KMPB (2.98%) is worse than 75.00% of its industry peers.
  • In the last couple of years the Profit Margin of KMPB has declined.
  • KMPB's Operating Margin of 5.45% is on the low side compared to the rest of the industry. KMPB is outperformed by 76.35% of its industry peers.
  • In the last couple of years the Operating Margin of KMPB has declined.
Industry RankSector Rank
OM 5.45%
PM (TTM) 2.98%
GM N/A
OM growth 3YN/A
OM growth 5Y-17.37%
PM growth 3YN/A
PM growth 5Y-17.8%
GM growth 3YN/A
GM growth 5YN/A
KMPB Yearly Profit, Operating, Gross MarginsKMPB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10

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5

2. KMPB Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so KMPB is destroying value.
  • The number of shares outstanding for KMPB has been reduced compared to 1 year ago.
  • Compared to 5 years ago, KMPB has less shares outstanding
  • Compared to 1 year ago, KMPB has an improved debt to assets ratio.
KMPB Yearly Shares OutstandingKMPB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
KMPB Yearly Total Debt VS Total AssetsKMPB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B

2.2 Solvency

  • Based on the Altman-Z score of 0.61, we must say that KMPB is in the distress zone and has some risk of bankruptcy.
  • With a decent Altman-Z score value of 0.61, KMPB is doing good in the industry, outperforming 75.00% of the companies in the same industry.
  • The Debt to FCF ratio of KMPB is 1.70, which is an excellent value as it means it would take KMPB, only 1.70 years of fcf income to pay off all of its debts.
  • KMPB has a Debt to FCF ratio of 1.70. This is comparable to the rest of the industry: KMPB outperforms 49.32% of its industry peers.
  • A Debt/Equity ratio of 0.35 indicates that KMPB is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.35, KMPB is in line with its industry, outperforming 45.27% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF 1.7
Altman-Z 0.61
ROIC/WACC0.29
WACC6.24%
KMPB Yearly LT Debt VS Equity VS FCFKMPB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B 4B

2.3 Liquidity

  • KMPB has a Current Ratio of 0.24. This is a bad value and indicates that KMPB is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 0.24, KMPB is in the better half of the industry, outperforming 70.27% of the companies in the same industry.
  • A Quick Ratio of 0.24 indicates that KMPB may have some problems paying its short term obligations.
  • KMPB's Quick ratio of 0.24 is fine compared to the rest of the industry. KMPB outperforms 70.27% of its industry peers.
Industry RankSector Rank
Current Ratio 0.24
Quick Ratio 0.24
KMPB Yearly Current Assets VS Current LiabilitesKMPB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. KMPB Growth Analysis

3.1 Past

  • KMPB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -40.07%.
  • KMPB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -11.72% yearly.
  • Looking at the last year, KMPB shows a small growth in Revenue. The Revenue has grown by 3.40% in the last year.
  • The Revenue has been decreasing by -1.39% on average over the past years.
EPS 1Y (TTM)-40.07%
EPS 3YN/A
EPS 5Y-11.72%
EPS Q2Q%-85.96%
Revenue 1Y (TTM)3.4%
Revenue growth 3Y-5.44%
Revenue growth 5Y-1.39%
Sales Q2Q%-3.47%

3.2 Future

  • The Earnings Per Share is expected to grow by 22.74% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, KMPB will show a small growth in Revenue. The Revenue will grow by 3.02% on average per year.
EPS Next Y13.62%
EPS Next 2Y23.15%
EPS Next 3Y22.74%
EPS Next 5YN/A
Revenue Next Year2.28%
Revenue Next 2Y3.41%
Revenue Next 3Y3.02%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
KMPB Yearly Revenue VS EstimatesKMPB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B 4B 5B
KMPB Yearly EPS VS EstimatesKMPB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 2 -2 4 6

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8

4. KMPB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 6.47 indicates a rather cheap valuation of KMPB.
  • KMPB's Price/Earnings ratio is a bit cheaper when compared to the industry. KMPB is cheaper than 76.35% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of KMPB to the average of the S&P500 Index (26.91), we can say KMPB is valued rather cheaply.
  • KMPB is valuated cheaply with a Price/Forward Earnings ratio of 5.69.
  • Based on the Price/Forward Earnings ratio, KMPB is valued a bit cheaper than the industry average as 78.38% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of KMPB to the average of the S&P500 Index (23.69), we can say KMPB is valued rather cheaply.
Industry RankSector Rank
PE 6.47
Fwd PE 5.69
KMPB Price Earnings VS Forward Price EarningsKMPB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, KMPB is valued a bit cheaper than the industry average as 68.24% of the companies are valued more expensively.
  • 85.81% of the companies in the same industry are more expensive than KMPB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2.42
EV/EBITDA 6.42
KMPB Per share dataKMPB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • KMPB's earnings are expected to grow with 22.74% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.48
PEG (5Y)N/A
EPS Next 2Y23.15%
EPS Next 3Y22.74%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. KMPB Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.28%, KMPB is a good candidate for dividend investing.
  • KMPB's Dividend Yield is a higher than the industry average which is at 2.55.
  • KMPB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 4.28%

5.2 History

  • The dividend of KMPB has a limited annual growth rate of 1.68%.
  • KMPB has been paying a dividend for over 5 years, so it has already some track record.
  • The dividend of KMPB decreased recently.
Dividend Growth(5Y)1.68%
Div Incr Years1
Div Non Decr Years1
KMPB Yearly Dividends per shareKMPB Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 2026 0.5 1

5.3 Sustainability

  • KMPB pays out 55.55% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • KMPB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP55.55%
EPS Next 2Y23.15%
EPS Next 3Y22.74%
KMPB Yearly Income VS Free CF VS DividendKMPB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M
KMPB Dividend Payout.KMPB Dividend Payout, showing the Payout Ratio.KMPB Dividend Payout.PayoutRetained Earnings

More info and screens

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KMPB Fundamentals: All Metrics, Ratios and Statistics

KEMPER CORP - KMPR 5 7/8 03/15/62

NYSE:KMPB (4/8/2026, 8:04:00 PM)

Premarket: 22.84 0 (0%)

22.84

-0.02 (-0.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-04
Earnings (Next)05-05
Inst Owners89.54%
Inst Owner ChangeN/A
Ins Owners0.97%
Ins Owner ChangeN/A
Market Cap1.34B
Revenue(TTM)4.80B
Net Income(TTM)143.30M
Analysts49.09
Price Target46.11 (101.88%)
Short Float %0.02%
Short Ratio0.63
Dividend
Industry RankSector Rank
Dividend Yield 4.28%
Yearly Dividend1.3
Dividend Growth(5Y)1.68%
DP55.55%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-27
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-73.43%
Min EPS beat(2)-75.49%
Max EPS beat(2)-71.37%
EPS beat(4)1
Avg EPS beat(4)-38.61%
Min EPS beat(4)-75.49%
Max EPS beat(4)8.6%
EPS beat(8)4
Avg EPS beat(8)-12.17%
EPS beat(12)7
Avg EPS beat(12)-5.79%
EPS beat(16)11
Avg EPS beat(16)-0.69%
Revenue beat(2)0
Avg Revenue beat(2)-4.37%
Min Revenue beat(2)-8.15%
Max Revenue beat(2)-0.59%
Revenue beat(4)0
Avg Revenue beat(4)-2.99%
Min Revenue beat(4)-8.15%
Max Revenue beat(4)-0.59%
Revenue beat(8)3
Avg Revenue beat(8)-0.75%
Revenue beat(12)3
Avg Revenue beat(12)-4.57%
Revenue beat(16)7
Avg Revenue beat(16)-2.49%
PT rev (1m)0%
PT rev (3m)32.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-32.21%
EPS NY rev (1m)0%
EPS NY rev (3m)-23.58%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.22%
Revenue NY rev (1m)2.01%
Revenue NY rev (3m)-2.14%
Valuation
Industry RankSector Rank
PE 6.47
Fwd PE 5.69
P/S 0.28
P/FCF 2.42
P/OCF 2.29
P/B 0.5
P/tB 0.94
EV/EBITDA 6.42
EPS(TTM)3.53
EY15.46%
EPS(NY)4.01
Fwd EY17.56%
FCF(TTM)9.43
FCFY41.31%
OCF(TTM)9.96
OCFY43.59%
SpS81.84
BVpS45.67
TBVpS24.37
PEG (NY)0.48
PEG (5Y)N/A
Graham Number60.23
Profitability
Industry RankSector Rank
ROA 1.15%
ROE 5.34%
ROCE 2.24%
ROIC 1.82%
ROICexc 1.84%
ROICexgc 2.14%
OM 5.45%
PM (TTM) 2.98%
GM N/A
FCFM 11.53%
ROA(3y)0.51%
ROA(5y)-0.29%
ROE(3y)1.96%
ROE(5y)-1.59%
ROIC(3y)1.99%
ROIC(5y)N/A
ROICexc(3y)2.01%
ROICexc(5y)N/A
ROICexgc(3y)2.37%
ROICexgc(5y)N/A
ROCE(3y)2.45%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y-15.54%
ROICexc growth 3YN/A
ROICexc growth 5Y-16.09%
OM growth 3YN/A
OM growth 5Y-17.37%
PM growth 3YN/A
PM growth 5Y-17.8%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.39
Health
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF 1.7
Debt/EBITDA 2.81
Cap/Depr 41.18%
Cap/Sales 0.64%
Interest Coverage 5.9
Cash Conversion 173.8%
Profit Quality 386.53%
Current Ratio 0.24
Quick Ratio 0.24
Altman-Z 0.61
F-Score6
WACC6.24%
ROIC/WACC0.29
Cap/Depr(3y)77.35%
Cap/Depr(5y)66.68%
Cap/Sales(3y)0.96%
Cap/Sales(5y)0.89%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-40.07%
EPS 3YN/A
EPS 5Y-11.72%
EPS Q2Q%-85.96%
EPS Next Y13.62%
EPS Next 2Y23.15%
EPS Next 3Y22.74%
EPS Next 5YN/A
Revenue 1Y (TTM)3.4%
Revenue growth 3Y-5.44%
Revenue growth 5Y-1.39%
Sales Q2Q%-3.47%
Revenue Next Year2.28%
Revenue Next 2Y3.41%
Revenue Next 3Y3.02%
Revenue Next 5YN/A
EBIT growth 1Y-42.28%
EBIT growth 3YN/A
EBIT growth 5Y-18.51%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y68%
FCF growth 3YN/A
FCF growth 5Y7.02%
OCF growth 1Y52.65%
OCF growth 3YN/A
OCF growth 5Y5.46%

KEMPER CORP - KMPR 5 7/8 03/15/62 / KMPB Fundamental Analysis FAQ

What is the fundamental rating for KMPB stock?

ChartMill assigns a fundamental rating of 4 / 10 to KMPB.


What is the valuation status of KEMPER CORP - KMPR 5 7/8 03/15/62 (KMPB) stock?

ChartMill assigns a valuation rating of 8 / 10 to KEMPER CORP - KMPR 5 7/8 03/15/62 (KMPB). This can be considered as Undervalued.


Can you provide the profitability details for KEMPER CORP - KMPR 5 7/8 03/15/62?

KEMPER CORP - KMPR 5 7/8 03/15/62 (KMPB) has a profitability rating of 2 / 10.


What is the expected EPS growth for KEMPER CORP - KMPR 5 7/8 03/15/62 (KMPB) stock?

The Earnings per Share (EPS) of KEMPER CORP - KMPR 5 7/8 03/15/62 (KMPB) is expected to grow by 13.62% in the next year.


Is the dividend of KEMPER CORP - KMPR 5 7/8 03/15/62 sustainable?

The dividend rating of KEMPER CORP - KMPR 5 7/8 03/15/62 (KMPB) is 6 / 10 and the dividend payout ratio is 55.55%.