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

USA • New York Stock Exchange • NYSE:KMPB • US4884013081

23.66 USD
+0.14 (+0.6%)
Last: Feb 6, 2026, 04:10 PM
Fundamental Rating

4

KMPB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 147 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.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • KMPB had positive earnings in the past year.
  • In the past year KMPB had a positive cash flow from operations.
  • KMPB had negative earnings in 4 of the past 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 0 200M -200M 400M 600M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 2.00%, KMPB is in line with its industry, outperforming 51.70% of the companies in the same industry.
  • KMPB's Return On Equity of 9.10% is in line compared to the rest of the industry. KMPB outperforms 43.54% of its industry peers.
  • KMPB has a Return On Invested Capital (1.79%) which is in line with its industry peers.
Industry RankSector 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
KMPB Yearly ROA, ROE, ROICKMPB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10

1.3 Margins

  • KMPB has a worse Profit Margin (5.12%) than 63.95% of its industry peers.
  • In the last couple of years the Profit Margin of KMPB has declined.
  • KMPB's Operating Margin of 5.40% is on the low side compared to the rest of the industry. KMPB is outperformed by 74.15% of its industry peers.
  • KMPB's Operating Margin has declined in the last couple of years.
Industry RankSector 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
KMPB Yearly Profit, Operating, Gross MarginsKMPB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • KMPB has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • There is no outstanding debt for KMPB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
KMPB Yearly Shares OutstandingKMPB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 5B 10B

2.2 Solvency

  • KMPB has an Altman-Z score of 0.64. This is a bad value and indicates that KMPB is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.64, KMPB is in the better half of the industry, outperforming 75.51% of the companies in the same industry.
  • 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's Debt to FCF ratio of 1.71 is in line compared to the rest of the industry. KMPB outperforms 54.42% of its industry peers.
  • A Debt/Equity ratio of 0.35 indicates that KMPB is not too dependend on debt financing.
  • The Debt to Equity ratio of KMPB (0.35) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF 1.71
Altman-Z 0.64
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 0 1B 2B 3B 4B

2.3 Liquidity

  • A Current Ratio of 0.28 indicates that KMPB may have some problems paying 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 71.43% of the companies in the same industry.
  • KMPB has a Quick 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.
  • With a decent Quick ratio value of 0.28, KMPB is doing good in the industry, outperforming 71.43% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.28
Quick Ratio 0.28
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 200M 400M 600M 800M 1B

More info and screens

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

3

3. Growth

3.1 Past

  • The earnings per share for KMPB have decreased strongly by -40.07% in the last year.
  • KMPB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -11.72% yearly.
EPS 1Y (TTM)-40.07%
EPS 3YN/A
EPS 5Y-11.72%
EPS Q2Q%-85.96%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%6.06%

3.2 Future

  • KMPB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 33.57% yearly.
  • Based on estimates for the next years, KMPB will show a small growth in Revenue. The Revenue will grow by 4.85% on average per year.
EPS Next Y38.47%
EPS Next 2Y33.57%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.18%
Revenue Next 2Y4.85%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS 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 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 0 2 -2 4 6

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Find the best growth stocksShow best growing peers

9

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 6.70, which indicates a rather cheap valuation of KMPB.
  • Compared to the rest of the industry, the Price/Earnings ratio of KMPB indicates a rather cheap valuation: KMPB is cheaper than 80.27% of the companies listed in the same industry.
  • KMPB is valuated cheaply when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 4.84, which indicates a rather cheap valuation of KMPB.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of KMPB indicates a rather cheap valuation: KMPB is cheaper than 82.99% of the companies listed in the same industry.
  • KMPB is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.20, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.7
Fwd PE 4.84
KMPB Price Earnings VS Forward Price EarningsKMPB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 66.67% of the companies listed in the same industry.
  • 87.07% 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 2.5
EV/EBITDA 6.57
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.
  • A more expensive valuation may be justified as KMPB's earnings are expected to grow with 33.57% in the coming years.
PEG (NY)0.17
PEG (5Y)N/A
EPS Next 2Y33.57%
EPS Next 3YN/A

More info and screens

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.83%, KMPB has a reasonable but not impressive dividend return.
  • KMPB's Dividend Yield is rather good when compared to the industry average which is at 2.24. KMPB pays more dividend than 81.63% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, KMPB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.83%

5.2 History

  • The dividend of KMPB has a limited annual growth rate of 4.04%.
  • KMPB has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)4.04%
Div Incr Years0
Div Non Decr Years0
KMPB Yearly Dividends per shareKMPB Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 2026 0.5 1

5.3 Sustainability

  • 32.45% of the earnings are spent on dividend by KMPB. This is a low number and sustainable payout ratio.
  • The dividend of KMPB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP32.45%
EPS Next 2Y33.57%
EPS Next 3YN/A
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 0 200M -200M 400M
KMPB Dividend Payout.KMPB Dividend Payout, showing the Payout Ratio.KMPB Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

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

NYSE:KMPB (2/6/2026, 4:10:03 PM)

23.66

+0.14 (+0.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-04
Earnings (Next)05-05
Inst Owners90.93%
Inst Owner ChangeN/A
Ins Owners0.9%
Ins Owner ChangeN/A
Market Cap1.39B
Revenue(TTM)N/A
Net Income(TTM)248.70M
Analysts75
Price Target36.47 (54.14%)
Short Float %0.01%
Short Ratio0.45
Dividend
Industry RankSector Rank
Dividend Yield 3.83%
Yearly Dividend1.25
Dividend Growth(5Y)4.04%
DP32.45%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-27
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)2.17%
PT rev (3m)-0.22%
EPS NQ rev (1m)-13.83%
EPS NQ rev (3m)-34.28%
EPS NY rev (1m)-2.26%
EPS NY rev (3m)-24.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.39%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.5%
Valuation
Industry RankSector Rank
PE 6.7
Fwd PE 4.84
P/S 0.29
P/FCF 2.5
P/OCF 2.37
P/B 0.51
P/tB 0.94
EV/EBITDA 6.57
EPS(TTM)3.53
EY14.92%
EPS(NY)4.89
Fwd EY20.66%
FCF(TTM)9.45
FCFY39.93%
OCF(TTM)9.98
OCFY42.2%
SpS82.98
BVpS46.66
TBVpS25.3
PEG (NY)0.17
PEG (5Y)N/A
Graham Number60.88
Profitability
Industry RankSector 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 RankSector 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 0.64
F-Score6
WACC6.24%
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)-40.07%
EPS 3YN/A
EPS 5Y-11.72%
EPS Q2Q%-85.96%
EPS Next Y38.47%
EPS Next 2Y33.57%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%6.06%
Revenue Next Year3.18%
Revenue Next 2Y4.85%
Revenue Next 3YN/A
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 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 9 / 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.


What is the earnings growth outlook for KEMPER CORP - KMPR 5 7/8 03/15/62?

The Earnings per Share (EPS) of KEMPER CORP - KMPR 5 7/8 03/15/62 (KMPB) is expected to grow by 38.47% in the next year.


How sustainable is the dividend of KEMPER CORP - KMPR 5 7/8 03/15/62 (KMPB) stock?

The dividend rating of KEMPER CORP - KMPR 5 7/8 03/15/62 (KMPB) is 7 / 10 and the dividend payout ratio is 32.45%.