KEMPER CORP (KMPR) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:KMPR • US4884011002
38.92 USD
-0.21 (-0.54%)
Last: Jan 30, 2026, 11:34 AM
Taking everything into account, KMPR scores 4 out of 10 in our fundamental rating. KMPR was compared to 148 industry peers in the Insurance industry. KMPR scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. KMPR has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally KMPR also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- KMPR had positive earnings in the past year.
- In the past year KMPR had a positive cash flow from operations.
- The reported net income has been mixed in the past 5 years: KMPR reported negative net income in multiple years.
- In multiple years KMPR reported negative operating cash flow during the last 5 years.
1.2 Ratios
- KMPR has a Return On Assets (2.00%) which is in line with its industry peers.
- KMPR has a Return On Equity (9.10%) which 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's Profit Margin of 5.12% is on the low side compared to the rest of the industry. KMPR is outperformed by 64.19% of its industry peers.
- KMPR's Profit Margin has declined in the last couple of years.
- Looking at the Operating Margin, with a value of 5.40%, KMPR is doing worse than 74.32% of the companies in the same industry.
- 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), KMPR is destroying value.
- Compared to 1 year ago, KMPR has less shares outstanding
- KMPR has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, KMPR has a worse debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 0.69, we must say that KMPR is in the distress zone and has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 0.69, KMPR is in the better half of the industry, outperforming 76.35% of the companies in the same industry.
- KMPR 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.
- Looking at the Debt to FCF ratio, with a value of 1.71, KMPR is in line with its industry, outperforming 54.05% 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.
- KMPR has a Debt to Equity ratio of 0.35. This is comparable to the rest of the industry: KMPR outperforms 46.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 1.71 | ||
| Altman-Z | 0.69 |
ROIC/WACC0.27
WACC6.73%
2.3 Liquidity
- A Current Ratio of 0.28 indicates that KMPR may have some problems paying its short term obligations.
- KMPR has a Current ratio of 0.28. This is in the better half of the industry: KMPR outperforms 70.27% of its industry peers.
- A Quick Ratio of 0.28 indicates that KMPR may have some problems paying its short term obligations.
- KMPR has a Quick ratio of 0.28. This is in the better half of the industry: KMPR outperforms 70.27% of its industry peers.
| 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.
- Measured over the past years, KMPR shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.21% on average per year.
- The Revenue has been growing slightly by 4.57% in the past year.
- 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
- The Earnings Per Share is expected to grow by 2.25% on average over the next years.
- The Revenue is expected to grow by 5.07% on average over the next years.
EPS Next Y-26.8%
EPS Next 2Y-8.9%
EPS Next 3Y2.25%
EPS Next 5YN/A
Revenue Next Year5.51%
Revenue Next 2Y5.33%
Revenue Next 3Y5.07%
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
- A Price/Earnings ratio of 7.69 indicates a rather cheap valuation of KMPR.
- Compared to the rest of the industry, the Price/Earnings ratio of KMPR indicates a somewhat cheap valuation: KMPR is cheaper than 75.68% of the companies listed in the same industry.
- KMPR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.39.
- With a Price/Forward Earnings ratio of 7.96, the valuation of KMPR can be described as very cheap.
- KMPR's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. KMPR is cheaper than 70.27% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.72, KMPR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.69 | ||
| Fwd PE | 7.96 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of KMPR is on the same level as its industry peers.
- Based on the Price/Free Cash Flow ratio, KMPR is valued a bit cheaper than 76.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.12 | ||
| EV/EBITDA | 9.29 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-8.9%
EPS Next 3Y2.25%
5. Dividend
5.1 Amount
- KMPR has a Yearly Dividend Yield of 3.30%.
- KMPR's Dividend Yield is a higher than the industry average which is at 2.41.
- KMPR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.3% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)4.04%
Div Incr Years0
Div Non Decr Years14
5.3 Sustainability
- 32.45% of the earnings are spent on dividend by KMPR. This is a low number and sustainable payout ratio.
- KMPR's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP32.45%
EPS Next 2Y-8.9%
EPS Next 3Y2.25%
KEMPER CORP / KMPR FAQ
Can you provide the ChartMill fundamental rating for KEMPER CORP?
ChartMill assigns a fundamental rating of 4 / 10 to KMPR.
Can you provide the valuation status for KEMPER CORP?
ChartMill assigns a valuation rating of 5 / 10 to KEMPER CORP (KMPR). This can be considered as Fairly Valued.
How profitable is KEMPER CORP (KMPR) stock?
KEMPER CORP (KMPR) has a profitability rating of 2 / 10.
What is the valuation of KEMPER CORP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for KEMPER CORP (KMPR) is 7.69 and the Price/Book (PB) ratio is 0.83.
How sustainable is the dividend of KEMPER CORP (KMPR) stock?
The dividend rating of KEMPER CORP (KMPR) is 7 / 10 and the dividend payout ratio is 32.45%.