KEMPER CORP - KMPR 5 7/8 03/15/62 (KMPB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:KMPB - US4884013081
23.46 USD
+0.11 (+0.46%)
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 cheap, but on the other hand it scores bad on growth.
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.
The reported net income has been mixed in the past 5 years: KMPB reported negative net income in multiple 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 has a Return On Equity of 9.10%. This is comparable to the rest of the industry: KMPB outperforms 43.24% of its industry peers.
KMPB has a Return On Invested Capital (1.79%) which is comparable to the rest of the industry.
| 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's Profit Margin of 5.12% is on the low side compared to the rest of the industry. KMPB is outperformed by 64.19% of its industry peers.
KMPB's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 5.40%, KMPB is doing worse than 74.32% of the companies in the same industry.
KMPB's Operating Margin has declined in the last couple of years.
| 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
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 0.63, 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.
Looking at the Debt to FCF ratio, with a value of 1.71, KMPB is in line with its industry, outperforming 54.73% of the companies in the same industry.
A Debt/Equity ratio of 0.35 indicates that KMPB is not too dependend on debt financing.
KMPB's Debt to Equity ratio of 0.35 is in line compared to the rest of the industry. KMPB outperforms 46.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 1.71 | ||
| Altman-Z | 0.63 |
ROIC/WACC0.3
WACC5.96%
2.3 Liquidity
A Current Ratio of 0.28 indicates that KMPB may have some problems paying its short term obligations.
KMPB's Current ratio of 0.28 is fine compared to the rest of the industry. KMPB outperforms 69.59% of its industry peers.
A Quick Ratio of 0.28 indicates that KMPB may have some problems paying its short term obligations.
Looking at the Quick 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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.28 | ||
| Quick Ratio | 0.28 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 3.48% over the past year.
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 4.57%.
The Revenue has been decreasing by -1.11% on average over the past years.
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
KMPB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.92% yearly.
The Revenue is expected to grow by 5.04% on average over the next years.
EPS Next Y-25.1%
EPS Next 2Y-5.61%
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
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.
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 4.64, the valuation of KMPB can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of KMPB indicates a rather cheap valuation: KMPB is cheaper than 85.14% of the companies listed in the same industry.
KMPB is valuated cheaply when we compare the Price/Earnings ratio to 26.77, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 4.47, the valuation of KMPB can be described as very cheap.
85.14% of the companies in the same industry are more expensive than KMPB, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.35. KMPB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.64 | ||
| Fwd PE | 4.47 |
4.2 Price Multiples
70.95% of the companies in the same industry are more expensive than KMPB, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, KMPB is valued cheaply inside the industry as 87.16% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.48 | ||
| EV/EBITDA | 6.54 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-5.61%
EPS Next 3Y2.92%
5. Dividend
5.1 Amount
KMPB has a Yearly Dividend Yield of 3.12%.
Compared to an average industry Dividend Yield of 2.42, KMPB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, KMPB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.12% |
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.
The dividend of KMPB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP32.45%
EPS Next 2Y-5.61%
EPS Next 3Y2.92%
KEMPER CORP - KMPR 5 7/8 03/15/62
NYSE:KMPB (12/30/2025, 8:04:00 PM)
23.46
+0.11 (+0.46%)
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 Target34.76 (48.17%)
Short Float %0.02%
Short Ratio0.96
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.12% |
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)-6.41%
PT rev (3m)12.18%
EPS NQ rev (1m)-4.64%
EPS NQ rev (3m)-23.65%
EPS NY rev (1m)-22.33%
EPS NY rev (3m)-22.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.39%
Revenue NY rev (1m)-2.5%
Revenue NY rev (3m)-2.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.64 | ||
| Fwd PE | 4.47 | ||
| P/S | 0.28 | ||
| P/FCF | 2.48 | ||
| P/OCF | 2.35 | ||
| P/B | 0.5 | ||
| P/tB | 0.93 | ||
| EV/EBITDA | 6.54 |
EPS(TTM)5.06
EY21.57%
EPS(NY)5.25
Fwd EY22.37%
FCF(TTM)9.45
FCFY40.27%
OCF(TTM)9.98
OCFY42.56%
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
WACC5.96%
ROIC/WACC0.3
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-5.61%
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.