KEMPER CORP - KMPR 5 7/8 03/15/62 (KMPB) Stock Fundamental Analysis
USA - NYSE:KMPB - US4884013081
23.8 USD
0 (0%)
23.8022 USD
+0 (+0.01%)
We assign a fundamental rating of 4 out of 10 to KMPB. KMPB was compared to 145 industry peers in the Insurance industry. KMPB scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. KMPB may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
KMPB had positive earnings in the past year.
KMPB had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: KMPB reported negative net income in multiple years.
The reported operating cash flow has been mixed in the past 5 years: KMPB reported negative operating cash flow in multiple years.
1.2 Ratios
With a decent Return On Assets value of 2.73%, KMPB is doing good in the industry, outperforming 63.45% of the companies in the same industry.
KMPB has a Return On Equity of 11.63%. This is comparable to the rest of the industry: KMPB outperforms 58.62% of its industry peers.
The Return On Invested Capital of KMPB (2.81%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.73% | ||
| ROE | 11.63% | ||
| ROIC | 2.81% |
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
With a Profit Margin value of 7.16%, KMPB perfoms like the industry average, outperforming 48.97% of the companies in the same industry.
KMPB's Profit Margin has declined in the last couple of years.
KMPB's Operating Margin of 8.63% is on the low side compared to the rest of the industry. KMPB is outperformed by 61.38% of its industry peers.
In the last couple of years the Operating Margin of KMPB has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.63% | ||
| PM (TTM) | 7.16% | ||
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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.
KMPB has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.68, we must say that KMPB is in the distress zone and has some risk of bankruptcy.
With a decent Altman-Z score value of 0.68, KMPB is doing good in the industry, outperforming 73.79% 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.
Looking at the Debt to FCF ratio, with a value of 1.71, KMPB is in line with its industry, outperforming 57.24% of the companies in the same industry.
A Debt/Equity ratio of 0.32 indicates that KMPB is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.32, KMPB perfoms like the industry average, outperforming 48.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | 1.71 | ||
| Altman-Z | 0.68 |
ROIC/WACC0.47
WACC6%
2.3 Liquidity
KMPB has a Current Ratio of 0.25. This is a bad value and indicates that KMPB is not financially healthy enough and could expect problems in meeting its short term obligations.
KMPB has a Current ratio of 0.25. This is in the better half of the industry: KMPB outperforms 68.97% of its industry peers.
KMPB has a Quick Ratio of 0.25. 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 Quick ratio, with a value of 0.25, KMPB is in the better half of the industry, outperforming 68.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.25 | ||
| Quick Ratio | 0.25 |
3. Growth
3.1 Past
KMPB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 124.38%, which is quite impressive.
KMPB shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.21% yearly.
KMPB shows a small growth in Revenue. In the last year, the Revenue has grown by 2.93%.
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)124.38%
EPS 3YN/A
EPS 5Y-1.21%
EPS Q2Q%-8.45%
Revenue 1Y (TTM)2.93%
Revenue growth 3Y-6.52%
Revenue growth 5Y-1.11%
Sales Q2Q%9.39%
3.2 Future
KMPB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.29% yearly.
KMPB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.13% yearly.
EPS Next Y-3.57%
EPS Next 2Y0.8%
EPS Next 3Y4.29%
EPS Next 5YN/A
Revenue Next Year8.22%
Revenue Next 2Y7.48%
Revenue Next 3Y8.13%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 3.75, which indicates a rather cheap valuation of KMPB.
83.45% of the companies in the same industry are more expensive than KMPB, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.40, KMPB is valued rather cheaply.
A Price/Forward Earnings ratio of 3.98 indicates a rather cheap valuation of KMPB.
Based on the Price/Forward Earnings ratio, KMPB is valued cheaply inside the industry as 86.21% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.94, KMPB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.75 | ||
| Fwd PE | 3.98 |
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 80.00% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, KMPB is valued cheaper than 86.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.71 | ||
| EV/EBITDA | 4.85 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y0.8%
EPS Next 3Y4.29%
5. Dividend
5.1 Amount
KMPB has a Yearly Dividend Yield of 6.15%, which is a nice return.
KMPB's Dividend Yield is rather good when compared to the industry average which is at 3.54. KMPB pays more dividend than 86.90% of the companies in the same industry.
KMPB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.15% |
5.2 History
The dividend of KMPB has a limited annual growth rate of 4.04%.
KMPB has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)4.04%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
23.68% of the earnings are spent on dividend by KMPB. This is a low number and sustainable payout ratio.
The dividend of KMPB is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP23.68%
EPS Next 2Y0.8%
EPS Next 3Y4.29%
KEMPER CORP - KMPR 5 7/8 03/15/62
NYSE:KMPB (10/17/2025, 8:24:40 PM)
After market: 23.8022 +0 (+0.01%)23.8
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners88.84%
Inst Owner ChangeN/A
Ins Owners4.9%
Ins Owner ChangeN/A
Market Cap1.49B
Analysts76.67
Price Target31.62 (32.86%)
Short Float %0.03%
Short Ratio1.16
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.15% |
Yearly Dividend1.25
Dividend Growth(5Y)4.04%
DP23.68%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.8%
Min EPS beat(2)-16.2%
Max EPS beat(2)8.6%
EPS beat(4)3
Avg EPS beat(4)10.13%
Min EPS beat(4)-16.2%
Max EPS beat(4)29.68%
EPS beat(8)5
Avg EPS beat(8)4.76%
EPS beat(12)9
Avg EPS beat(12)8.44%
EPS beat(16)11
Avg EPS beat(16)-117.91%
Revenue beat(2)0
Avg Revenue beat(2)-1.62%
Min Revenue beat(2)-2.26%
Max Revenue beat(2)-0.98%
Revenue beat(4)1
Avg Revenue beat(4)-0.82%
Min Revenue beat(4)-2.26%
Max Revenue beat(4)2.05%
Revenue beat(8)3
Avg Revenue beat(8)-2.32%
Revenue beat(12)5
Avg Revenue beat(12)-3.29%
Revenue beat(16)9
Avg Revenue beat(16)-1.63%
PT rev (1m)3.86%
PT rev (3m)1.71%
EPS NQ rev (1m)-0.94%
EPS NQ rev (3m)-16.98%
EPS NY rev (1m)-0.69%
EPS NY rev (3m)-10.78%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.96%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.75 | ||
| Fwd PE | 3.98 | ||
| P/S | 0.31 | ||
| P/FCF | 2.71 | ||
| P/OCF | 2.55 | ||
| P/B | 0.51 | ||
| P/tB | 0.88 | ||
| EV/EBITDA | 4.85 |
EPS(TTM)6.35
EY26.68%
EPS(NY)5.99
Fwd EY25.15%
FCF(TTM)8.78
FCFY36.91%
OCF(TTM)9.35
OCFY39.28%
SpS76.46
BVpS47.07
TBVpS27.14
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.73% | ||
| ROE | 11.63% | ||
| ROCE | 3.5% | ||
| ROIC | 2.81% | ||
| ROICexc | 2.86% | ||
| ROICexgc | 3.33% | ||
| OM | 8.63% | ||
| PM (TTM) | 7.16% | ||
| GM | N/A | ||
| FCFM | 11.49% |
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
ROICexcg growth 3YN/A
ROICexcg 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-Score9
Asset Turnover0.38
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | 1.71 | ||
| Debt/EBITDA | 2.03 | ||
| Cap/Depr | 68.93% | ||
| Cap/Sales | 0.74% | ||
| Interest Coverage | 7.62 | ||
| Cash Conversion | 126.07% | ||
| Profit Quality | 160.48% | ||
| Current Ratio | 0.25 | ||
| Quick Ratio | 0.25 | ||
| Altman-Z | 0.68 |
F-Score9
WACC6%
ROIC/WACC0.47
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)124.38%
EPS 3YN/A
EPS 5Y-1.21%
EPS Q2Q%-8.45%
EPS Next Y-3.57%
EPS Next 2Y0.8%
EPS Next 3Y4.29%
EPS Next 5YN/A
Revenue 1Y (TTM)2.93%
Revenue growth 3Y-6.52%
Revenue growth 5Y-1.11%
Sales Q2Q%9.39%
Revenue Next Year8.22%
Revenue Next 2Y7.48%
Revenue Next 3Y8.13%
Revenue Next 5YN/A
EBIT growth 1Y10.38%
EBIT growth 3YN/A
EBIT growth 5Y-5.93%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y351.99%
FCF growth 3Y4.02%
FCF growth 5Y-6.04%
OCF growth 1Y415.04%
OCF growth 3Y2.97%
OCF growth 5Y-6.45%