KEMPER CORP - KMPR 5 7/8 03/15/62 (KMPB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:KMPB - US4884013081
23.32 USD
+0.08 (+0.34%)
KMPB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. While KMPB seems to be doing ok healthwise, there are quite some concerns on its profitability. KMPB is valued quite cheap, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year KMPB was profitable.
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.
1.2 Ratios
KMPB has a Return On Assets (2.00%) which is in line with its industry peers.
KMPB's Return On Equity of 9.10% is in line compared to the rest of the industry. KMPB outperforms 43.24% of its industry peers.
KMPB's Return On Invested Capital of 1.79% is in line compared to the rest of the industry. KMPB outperforms 44.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2% | ||
| ROE | 9.1% | ||
| ROIC | 1.79% |
ROA(3y)-0.59%
ROA(5y)0.05%
ROE(3y)-3.4%
ROE(5y)-0.86%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
KMPB has a worse Profit Margin (5.12%) than 64.19% of its industry peers.
In the last couple of years the Profit Margin of KMPB has declined.
KMPB has a Operating Margin of 5.40%. This is in the lower half of the industry: KMPB underperforms 74.32% of its industry peers.
In the last couple of years the Operating Margin of KMPB has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.4% | ||
| PM (TTM) | 5.12% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5Y-4.87%
PM growth 3YN/A
PM growth 5Y-8.69%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), KMPB is destroying value.
Compared to 1 year ago, KMPB has less shares outstanding
KMPB has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, KMPB has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.63, we must say that KMPB is in the distress zone and has some risk of bankruptcy.
KMPB's Altman-Z score of 0.63 is fine compared to the rest of the industry. KMPB outperforms 73.65% of its industry peers.
The Debt to FCF ratio of KMPB is 1.71, which is an excellent value as it means it would take KMPB, only 1.71 years of fcf income to pay off all of its debts.
KMPB has a Debt to FCF ratio (1.71) which is comparable to the rest of the industry.
KMPB has a Debt/Equity ratio of 0.35. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of KMPB (0.35) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 1.71 | ||
| Altman-Z | 0.63 |
ROIC/WACC0.29
WACC6.13%
2.3 Liquidity
KMPB has a Current Ratio of 0.28. 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 0.28, KMPB is in the better half of the industry, outperforming 69.59% of the companies in the same industry.
A Quick Ratio of 0.28 indicates that KMPB may have some problems paying its short term obligations.
KMPB has a Quick ratio of 0.28. This is in the better half of the industry: KMPB outperforms 69.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.28 | ||
| Quick Ratio | 0.28 |
3. Growth
3.1 Past
KMPB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.48%.
The Earnings Per Share has been decreasing by -1.21% on average over the past years.
KMPB shows a small growth in Revenue. In the last year, the Revenue has grown by 4.57%.
Measured over the past years, KMPB shows a decrease in Revenue. The Revenue has been decreasing by -1.11% on average per year.
EPS 1Y (TTM)3.48%
EPS 3YN/A
EPS 5Y-1.21%
EPS Q2Q%-79.63%
Revenue 1Y (TTM)4.57%
Revenue growth 3Y-6.52%
Revenue growth 5Y-1.11%
Sales Q2Q%6.06%
3.2 Future
Based on estimates for the next years, KMPB will show a small growth in Earnings Per Share. The EPS will grow by 2.92% on average per year.
The Revenue is expected to grow by 5.04% on average over the next years.
EPS Next Y-25.1%
EPS Next 2Y-3.73%
EPS Next 3Y2.92%
EPS Next 5YN/A
Revenue Next Year5.51%
Revenue Next 2Y5.01%
Revenue Next 3Y5.04%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 4.61, the valuation of KMPB can be described as very cheap.
Based on the Price/Earnings ratio, KMPB is valued cheaply inside the industry as 85.14% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of KMPB to the average of the S&P500 Index (26.39), we can say KMPB is valued rather cheaply.
KMPB is valuated cheaply with a Price/Forward Earnings ratio of 4.27.
85.81% of the companies in the same industry are more expensive than KMPB, based on the Price/Forward Earnings ratio.
KMPB is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.61 | ||
| Fwd PE | 4.27 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of KMPB indicates a somewhat cheap valuation: KMPB is cheaper than 71.62% of the companies listed in the same industry.
KMPB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. KMPB is cheaper than 87.84% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.47 | ||
| EV/EBITDA | 6.54 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.73%
EPS Next 3Y2.92%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.32%, KMPB is a good candidate for dividend investing.
KMPB's Dividend Yield is rather good when compared to the industry average which is at 2.30. KMPB pays more dividend than 91.22% of the companies in the same industry.
KMPB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.32% |
5.2 History
The dividend of KMPB has a limited annual growth rate of 4.04%.
KMPB has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)4.04%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
KMPB pays out 32.45% of its income as dividend. This is a sustainable payout ratio.
KMPB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP32.45%
EPS Next 2Y-3.73%
EPS Next 3Y2.92%
KEMPER CORP - KMPR 5 7/8 03/15/62
NYSE:KMPB (12/19/2025, 8:04:00 PM)
23.32
+0.08 (+0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners90.76%
Inst Owner ChangeN/A
Ins Owners0.7%
Ins Owner ChangeN/A
Market Cap1.37B
Revenue(TTM)4.86B
Net Income(TTM)248.70M
Analysts75
Price Target36.08 (54.72%)
Short Float %0.02%
Short Ratio0.97
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.32% |
Yearly Dividend1.25
Dividend Growth(5Y)4.04%
DP32.45%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-45.84%
Min EPS beat(2)-75.49%
Max EPS beat(2)-16.2%
EPS beat(4)2
Avg EPS beat(4)-13.35%
Min EPS beat(4)-75.49%
Max EPS beat(4)29.68%
EPS beat(8)5
Avg EPS beat(8)-2.47%
EPS beat(12)8
Avg EPS beat(12)0.66%
EPS beat(16)11
Avg EPS beat(16)-27.14%
Revenue beat(2)0
Avg Revenue beat(2)-0.78%
Min Revenue beat(2)-0.98%
Max Revenue beat(2)-0.59%
Revenue beat(4)0
Avg Revenue beat(4)-1.48%
Min Revenue beat(4)-2.26%
Max Revenue beat(4)-0.59%
Revenue beat(8)3
Avg Revenue beat(8)-1.99%
Revenue beat(12)4
Avg Revenue beat(12)-3.56%
Revenue beat(16)8
Avg Revenue beat(16)-1.8%
PT rev (1m)-17.35%
PT rev (3m)16.46%
EPS NQ rev (1m)-20.32%
EPS NQ rev (3m)-23.65%
EPS NY rev (1m)-22.33%
EPS NY rev (3m)-22.86%
Revenue NQ rev (1m)-1.13%
Revenue NQ rev (3m)-1.39%
Revenue NY rev (1m)-2.5%
Revenue NY rev (3m)-2.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.61 | ||
| Fwd PE | 4.27 | ||
| P/S | 0.28 | ||
| P/FCF | 2.47 | ||
| P/OCF | 2.34 | ||
| P/B | 0.5 | ||
| P/tB | 0.92 | ||
| EV/EBITDA | 6.54 |
EPS(TTM)5.06
EY21.7%
EPS(NY)5.46
Fwd EY23.41%
FCF(TTM)9.45
FCFY40.51%
OCF(TTM)9.98
OCFY42.82%
SpS82.98
BVpS46.66
TBVpS25.3
PEG (NY)N/A
PEG (5Y)N/A
Graham Number72.89
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2% | ||
| ROE | 9.1% | ||
| ROCE | 2.23% | ||
| ROIC | 1.79% | ||
| ROICexc | 1.81% | ||
| ROICexgc | 2.1% | ||
| OM | 5.4% | ||
| PM (TTM) | 5.12% | ||
| GM | N/A | ||
| FCFM | 11.38% |
ROA(3y)-0.59%
ROA(5y)0.05%
ROE(3y)-3.4%
ROE(5y)-0.86%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y-4.68%
ROICexc growth 3YN/A
ROICexc growth 5Y-4.79%
OM growth 3YN/A
OM growth 5Y-4.87%
PM growth 3YN/A
PM growth 5Y-8.69%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.39
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 1.71 | ||
| Debt/EBITDA | 2.8 | ||
| Cap/Depr | 42.51% | ||
| Cap/Sales | 0.65% | ||
| Interest Coverage | 5.91 | ||
| Cash Conversion | 173.63% | ||
| Profit Quality | 222.4% | ||
| Current Ratio | 0.28 | ||
| Quick Ratio | 0.28 | ||
| Altman-Z | 0.63 |
F-Score6
WACC6.13%
ROIC/WACC0.29
Cap/Depr(3y)78.11%
Cap/Depr(5y)77.87%
Cap/Sales(3y)0.93%
Cap/Sales(5y)0.97%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)3.48%
EPS 3YN/A
EPS 5Y-1.21%
EPS Q2Q%-79.63%
EPS Next Y-25.1%
EPS Next 2Y-3.73%
EPS Next 3Y2.92%
EPS Next 5YN/A
Revenue 1Y (TTM)4.57%
Revenue growth 3Y-6.52%
Revenue growth 5Y-1.11%
Sales Q2Q%6.06%
Revenue Next Year5.51%
Revenue Next 2Y5.01%
Revenue Next 3Y5.04%
Revenue Next 5YN/A
EBIT growth 1Y-54.03%
EBIT growth 3YN/A
EBIT growth 5Y-5.93%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y394.99%
FCF growth 3Y4.02%
FCF growth 5Y-6.04%
OCF growth 1Y504.01%
OCF growth 3Y2.97%
OCF growth 5Y-6.45%
KEMPER CORP - KMPR 5 7/8 03/15/62 / KMPB FAQ
What is the ChartMill fundamental rating of KEMPER CORP - KMPR 5 7/8 03/15/62 (KMPB) stock?
ChartMill assigns a fundamental rating of 4 / 10 to KMPB.
Can you provide the valuation status for KEMPER CORP - KMPR 5 7/8 03/15/62?
ChartMill assigns a valuation rating of 7 / 10 to KEMPER CORP - KMPR 5 7/8 03/15/62 (KMPB). This can be considered as Undervalued.
How profitable is KEMPER CORP - KMPR 5 7/8 03/15/62 (KMPB) stock?
KEMPER CORP - KMPR 5 7/8 03/15/62 (KMPB) has a profitability rating of 2 / 10.
Can you provide the financial health for KMPB stock?
The financial health rating of KEMPER CORP - KMPR 5 7/8 03/15/62 (KMPB) is 4 / 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 decline by -25.1% in the next year.