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

NYSE:KMPB • US4884013081

23.57 USD
-0.47 (-1.97%)
Last: Feb 27, 2026, 08:14 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, KMPB scores 4 out of 10 in our fundamental rating. KMPB was compared to 150 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


Dividend Valuation Growth Profitability Health

2

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.
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 2.00% is in line compared to the rest of the industry. KMPB outperforms 52.67% of its industry peers.
  • With a Return On Equity value of 9.10%, KMPB perfoms like the industry average, outperforming 42.00% of the companies in the same industry.
  • The Return On Invested Capital of KMPB (1.82%) is comparable to the rest of the industry.
  • KMPB had an Average Return On Invested Capital over the past 3 years of 1.88%. This is significantly below the industry average of 15.13%.
Industry RankSector Rank
ROA 2%
ROE 9.1%
ROIC 1.82%
ROA(3y)0.51%
ROA(5y)-0.29%
ROE(3y)1.96%
ROE(5y)-1.59%
ROIC(3y)1.88%
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

  • Looking at the Profit Margin, with a value of 5.12%, KMPB is doing worse than 65.33% of the companies in the same industry.
  • KMPB's Profit Margin has declined in the last couple of years.
  • KMPB's Operating Margin of 5.40% is on the low side compared to the rest of the industry. KMPB is outperformed by 75.33% of its industry peers.
  • In the last couple of years the Operating Margin of KMPB has declined.
Industry RankSector Rank
OM 5.4%
PM (TTM) 5.12%
GM N/A
OM growth 3YN/A
OM growth 5Y-20.62%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), KMPB is destroying value.
  • KMPB has less shares outstanding than it did 1 year ago.
  • KMPB has less shares outstanding than it did 5 years ago.
  • 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 0.64, we must say that KMPB is in the distress zone and has some risk of bankruptcy.
  • With a decent Altman-Z score value of 0.64, KMPB is doing good in the industry, outperforming 76.67% of the companies in the same industry.
  • KMPB has a debt to FCF ratio of 1.71. This is a very positive value and a sign of high solvency as it would only need 1.71 years to pay back of all of its debts.
  • The Debt to FCF ratio of KMPB (1.71) is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.35 indicates that KMPB is not too dependend on debt financing.
  • KMPB has a Debt to Equity ratio of 0.35. This is comparable to the rest of the industry: KMPB outperforms 48.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF 1.71
Altman-Z 0.64
ROIC/WACC0.31
WACC5.94%
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

  • A Current Ratio of 0.28 indicates that KMPB may have some problems paying its short term obligations.
  • KMPB has a better Current ratio (0.28) than 70.67% of its industry peers.
  • A Quick Ratio of 0.28 indicates that KMPB may have some problems paying its short term obligations.
  • The Quick ratio of KMPB (0.28) is better than 70.67% of its industry peers.
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 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. Growth

3.1 Past

  • The earnings per share for KMPB have decreased strongly by -40.07% in the last year.
  • Measured over the past years, KMPB shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -11.72% on average per year.
  • Looking at the last year, KMPB shows a small growth in Revenue. The Revenue has grown by 3.40% in the last year.
  • KMPB shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.39% yearly.
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 22.72% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 3.02% on average over the next years.
EPS Next Y38.47%
EPS Next 2Y33.57%
EPS Next 3Y22.72%
EPS Next 5YN/A
Revenue Next Year3.18%
Revenue Next 2Y4.85%
Revenue Next 3Y3.02%
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.
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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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 6.68, the valuation of KMPB can be described as very cheap.
  • KMPB's Price/Earnings ratio is a bit cheaper when compared to the industry. KMPB is cheaper than 79.33% of the companies in the same industry.
  • KMPB is valuated cheaply when we compare the Price/Earnings ratio to 27.10, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 4.82, the valuation of KMPB can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of KMPB indicates a rather cheap valuation: KMPB is cheaper than 81.33% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, KMPB is valued rather cheaply.
Industry RankSector Rank
PE 6.68
Fwd PE 4.82
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 70.00% of the companies listed in the same industry.
  • 86.00% 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 6.67
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 22.72% in the coming years.
PEG (NY)0.17
PEG (5Y)N/A
EPS Next 2Y33.57%
EPS Next 3Y22.72%

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

6

5. Dividend

5.1 Amount

  • KMPB has a Yearly Dividend Yield of 3.95%.
  • Compared to an average industry Dividend Yield of 2.63, KMPB pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, KMPB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.95%

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

  • KMPB pays out 32.45% of its income as dividend. This is a 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 3Y22.72%
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

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Find the best dividend stocksShow peers with best dividend

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

NYSE:KMPB (2/27/2026, 8:14:51 PM)

23.57

-0.47 (-1.97%)

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 Cap1.38B
Revenue(TTM)4.80B
Net Income(TTM)248.70M
Analysts71.67
Price Target36.47 (54.73%)
Short Float %0.01%
Short Ratio0.35
Dividend
Industry RankSector Rank
Dividend Yield 3.95%
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)2.71%
PT rev (3m)-1.78%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-31.34%
EPS NY rev (1m)0%
EPS NY rev (3m)-18.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.13%
Revenue NY rev (1m)-1.88%
Revenue NY rev (3m)-5.75%
Valuation
Industry RankSector Rank
PE 6.68
Fwd PE 4.82
P/S 0.28
P/FCF 2.5
P/OCF 2.37
P/B 0.51
P/tB 0.93
EV/EBITDA 6.67
EPS(TTM)3.53
EY14.98%
EPS(NY)4.89
Fwd EY20.74%
FCF(TTM)9.43
FCFY40%
OCF(TTM)9.96
OCFY42.27%
SpS82.81
BVpS46.57
TBVpS25.25
PEG (NY)0.17
PEG (5Y)N/A
Graham Number60.82
Profitability
Industry RankSector Rank
ROA 2%
ROE 9.1%
ROCE 2.23%
ROIC 1.82%
ROICexc 1.83%
ROICexgc 2.13%
OM 5.4%
PM (TTM) 5.12%
GM N/A
FCFM 11.38%
ROA(3y)0.51%
ROA(5y)-0.29%
ROE(3y)1.96%
ROE(5y)-1.59%
ROIC(3y)1.88%
ROIC(5y)N/A
ROICexc(3y)1.9%
ROICexc(5y)N/A
ROICexgc(3y)2.23%
ROICexgc(5y)N/A
ROCE(3y)2.31%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y-18.97%
ROICexc growth 3YN/A
ROICexc growth 5Y-19.39%
OM growth 3YN/A
OM growth 5Y-20.62%
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 1.71
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
WACC5.94%
ROIC/WACC0.31
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 3Y22.72%
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 Year3.18%
Revenue Next 2Y4.85%
Revenue Next 3Y3.02%
Revenue Next 5YN/A
EBIT growth 1Y-54.03%
EBIT growth 3YN/A
EBIT growth 5Y-21.72%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y361.3%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y228.24%
OCF growth 3YN/A
OCF growth 5YN/A

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 8 / 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 6 / 10 and the dividend payout ratio is 32.45%.