KEMPER CORP (KMPR) Stock Fundamental Analysis
USA - NYSE:KMPR - US4884011002 - Common Stock
38.29 USD
+0.39 (+1.03%)
38.29 USD
0 (0%)
Taking everything into account, KMPR scores 4 out of 10 in our fundamental rating. KMPR was compared to 146 industry peers in the Insurance industry. The financial health of KMPR is average, but there are quite some concerns on its profitability. KMPR has a decent growth rate and is not valued too expensively. KMPR also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year KMPR was profitable.
In the past year KMPR had a positive cash flow from operations.
In multiple years KMPR reported negative net income over the last 5 years.
The reported operating cash flow has been mixed in the past 5 years: KMPR reported negative operating cash flow in multiple years.
1.2 Ratios
KMPR has a Return On Assets of 2.00%. This is comparable to the rest of the industry: KMPR outperforms 48.63% of its industry peers.
The Return On Equity of KMPR (9.10%) is comparable to the rest of the industry.
The Return On Invested Capital of KMPR (1.79%) 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
KMPR has a worse Profit Margin (5.12%) than 63.70% of its industry peers.
KMPR's Profit Margin has declined in the last couple of years.
KMPR has a Operating Margin of 5.40%. This is in the lower half of the industry: KMPR underperforms 76.03% of its industry peers.
In the last couple of years the Operating Margin of KMPR 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
KMPR has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, KMPR has less shares outstanding
Compared to 5 years ago, KMPR has less shares outstanding
The debt/assets ratio for KMPR is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.70, we must say that KMPR is in the distress zone and has some risk of bankruptcy.
KMPR's Altman-Z score of 0.70 is fine compared to the rest of the industry. KMPR outperforms 74.66% of its industry peers.
The Debt to FCF ratio of KMPR is 1.71, which is an excellent value as it means it would take KMPR, only 1.71 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 1.71, KMPR perfoms like the industry average, outperforming 56.16% of the companies in the same industry.
KMPR 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 KMPR (0.35) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 1.71 | ||
| Altman-Z | 0.7 |
ROIC/WACC0.27
WACC6.7%
2.3 Liquidity
A Current Ratio of 0.28 indicates that KMPR may have some problems paying its short term obligations.
The Current ratio of KMPR (0.28) is better than 69.86% of its industry peers.
A Quick Ratio of 0.28 indicates that KMPR may have some problems paying its short term obligations.
The Quick ratio of KMPR (0.28) is better than 69.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.28 | ||
| Quick Ratio | 0.28 |
3. Growth
3.1 Past
KMPR shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.48%.
KMPR shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -1.21% yearly.
The Revenue has been growing slightly by 4.57% in the past year.
Measured over the past years, KMPR 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, KMPR will show a small growth in Earnings Per Share. The EPS will grow by 4.29% on average per year.
The Revenue is expected to grow by 8.13% on average over the next years. This is quite good.
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.
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
The Price/Earnings ratio is 7.57, which indicates a rather cheap valuation of KMPR.
74.66% of the companies in the same industry are more expensive than KMPR, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of KMPR to the average of the S&P500 Index (25.89), we can say KMPR is valued rather cheaply.
KMPR is valuated cheaply with a Price/Forward Earnings ratio of 6.40.
Compared to the rest of the industry, the Price/Forward Earnings ratio of KMPR indicates a somewhat cheap valuation: KMPR is cheaper than 78.77% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of KMPR to the average of the S&P500 Index (34.59), we can say KMPR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.57 | ||
| Fwd PE | 6.4 |
4.2 Price Multiples
KMPR's Enterprise Value to EBITDA is on the same level as the industry average.
KMPR's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. KMPR is cheaper than 75.34% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.34 | ||
| EV/EBITDA | 9.54 |
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
With a Yearly Dividend Yield of 3.38%, KMPR has a reasonable but not impressive dividend return.
In the last 3 months the price of KMPR has falen by -28.00%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 3.47, KMPR pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, KMPR pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.38% |
5.2 History
The dividend of KMPR has a limited annual growth rate of 4.04%.
KMPR has paid a dividend for at least 10 years, which is a reliable track record.
KMPR has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.04%
Div Incr Years0
Div Non Decr Years14
5.3 Sustainability
KMPR pays out 32.45% of its income as dividend. This is a sustainable payout ratio.
KMPR's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP32.45%
EPS Next 2Y0.8%
EPS Next 3Y4.29%
38.29
+0.39 (+1.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners88.84%
Inst Owner Change-2.6%
Ins Owners4.9%
Ins Owner Change0.27%
Market Cap2.40B
Revenue(TTM)4.86B
Net Income(TTM)248.70M
Analysts75
Price Target68.95 (80.07%)
Short Float %4.05%
Short Ratio2.65
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.38% |
Yearly Dividend1.25
Dividend Growth(5Y)4.04%
DP32.45%
Div Incr Years0
Div Non Decr Years14
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)0%
PT rev (3m)-17.76%
EPS NQ rev (1m)0.51%
EPS NQ rev (3m)-16.62%
EPS NY rev (1m)0%
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 | 7.57 | ||
| Fwd PE | 6.4 | ||
| P/S | 0.49 | ||
| P/FCF | 4.34 | ||
| P/OCF | 4.11 | ||
| P/B | 0.88 | ||
| P/tB | 1.62 | ||
| EV/EBITDA | 9.54 |
EPS(TTM)5.06
EY13.21%
EPS(NY)5.99
Fwd EY15.63%
FCF(TTM)8.82
FCFY23.02%
OCF(TTM)9.32
OCFY24.33%
SpS77.44
BVpS43.55
TBVpS23.61
PEG (NY)N/A
PEG (5Y)N/A
Graham Number70.41
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 | 0.7 |
F-Score6
WACC6.7%
ROIC/WACC0.27
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-3.57%
EPS Next 2Y0.8%
EPS Next 3Y4.29%
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 Year8.22%
Revenue Next 2Y7.48%
Revenue Next 3Y8.13%
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 FAQ
Can you provide the ChartMill fundamental rating for KEMPER CORP?
ChartMill assigns a fundamental rating of 4 / 10 to KMPR.
What is the valuation status for KMPR stock?
ChartMill assigns a valuation rating of 6 / 10 to KEMPER CORP (KMPR). This can be considered as Fairly Valued.
Can you provide the profitability details for KEMPER CORP?
KEMPER CORP (KMPR) has a profitability rating of 2 / 10.
How financially healthy is KEMPER CORP?
The financial health rating of KEMPER CORP (KMPR) is 4 / 10.
What is the earnings growth outlook for KEMPER CORP?
The Earnings per Share (EPS) of KEMPER CORP (KMPR) is expected to decline by -3.57% in the next year.