KEMPER CORP (KMPR) Stock Fundamental Analysis
NYSE:KMPR - US4884011002 - Common Stock
53.955 USD
-0.41 (-0.76%)
We assign a fundamental rating of 4 out of 10 to KMPR. 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 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year KMPR was profitable.
KMPR had a positive operating cash flow in the past year.
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
Looking at the Return On Assets, with a value of 2.73%, KMPR is in the better half of the industry, outperforming 63.70% of the companies in the same industry.
KMPR has a Return On Equity of 11.63%. This is comparable to the rest of the industry: KMPR outperforms 57.53% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.81%, KMPR is in line with its industry, outperforming 59.59% of the companies in the same 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
Looking at the Profit Margin, with a value of 7.16%, KMPR is in line with its industry, outperforming 49.32% of the companies in the same industry.
KMPR's Profit Margin has declined in the last couple of years.
KMPR has a Operating Margin of 8.63%. This is comparable to the rest of the industry: KMPR outperforms 40.41% of its industry peers.
In the last couple of years the Operating Margin of KMPR 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 KMPR is destroying value.
The number of shares outstanding for KMPR has been reduced compared to 1 year ago.
The number of shares outstanding for KMPR has been reduced compared to 5 years ago.
The debt/assets ratio for KMPR is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.80, we must say that KMPR is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of KMPR (0.80) is better than 77.40% 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.
The Debt to FCF ratio of KMPR (1.71) is comparable to the rest of the industry.
KMPR has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.32, KMPR is in line with its industry, outperforming 48.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.32 | ||
| Debt/FCF | 1.71 | ||
| Altman-Z | 0.8 |
ROIC/WACC0.39
WACC7.21%
2.3 Liquidity
A Current Ratio of 0.25 indicates that KMPR may have some problems paying its short term obligations.
KMPR has a Current ratio of 0.25. This is in the better half of the industry: KMPR outperforms 68.49% of its industry peers.
KMPR has a Quick Ratio of 0.25. This is a bad value and indicates that KMPR is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of KMPR (0.25) is better than 68.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.25 | ||
| Quick Ratio | 0.25 |
3. Growth
3.1 Past
KMPR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 124.38%, which is quite impressive.
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 2.93% in the past year.
The Revenue has been decreasing by -1.11% on average over the past years.
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
Based on estimates for the next years, KMPR will show a small growth in Earnings Per Share. The EPS will grow by 3.69% 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-2.9%
EPS Next 2Y0.99%
EPS Next 3Y3.69%
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
KMPR is valuated reasonably with a Price/Earnings ratio of 8.50.
71.23% of the companies in the same industry are more expensive than KMPR, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.90, KMPR is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.98, the valuation of KMPR can be described as reasonable.
Based on the Price/Forward Earnings ratio, KMPR is valued a bit cheaper than the industry average as 63.01% of the companies are valued more expensively.
KMPR is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.52, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.5 | ||
| Fwd PE | 8.98 |
4.2 Price Multiples
KMPR's Enterprise Value to EBITDA is on the same level as the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of KMPR indicates a somewhat cheap valuation: KMPR is cheaper than 69.86% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.14 | ||
| EV/EBITDA | 8.98 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y0.99%
EPS Next 3Y3.69%
5. Dividend
5.1 Amount
KMPR has a Yearly Dividend Yield of 2.40%.
Compared to an average industry Dividend Yield of 3.24, KMPR pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, KMPR has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
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
23.68% 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.
DP23.68%
EPS Next 2Y0.99%
EPS Next 3Y3.69%
NYSE:KMPR (9/3/2025, 11:08:32 AM)
53.955
-0.41 (-0.76%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners87.82%
Inst Owner Change-2.08%
Ins Owners4.77%
Ins Owner Change0.36%
Market Cap3.39B
Analysts80
Price Target68.95 (27.79%)
Short Float %6.13%
Short Ratio4.36
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.4% |
Yearly Dividend1.25
Dividend Growth(5Y)4.04%
DP23.68%
Div Incr Years0
Div Non Decr Years14
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)-17.76%
PT rev (3m)-19.91%
EPS NQ rev (1m)-16.25%
EPS NQ rev (3m)-16.38%
EPS NY rev (1m)-10.16%
EPS NY rev (3m)-9.4%
Revenue NQ rev (1m)-3.96%
Revenue NQ rev (3m)-4.92%
Revenue NY rev (1m)-2.44%
Revenue NY rev (3m)-2.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.5 | ||
| Fwd PE | 8.98 | ||
| P/S | 0.71 | ||
| P/FCF | 6.14 | ||
| P/OCF | 5.77 | ||
| P/B | 1.15 | ||
| P/tB | 1.99 | ||
| EV/EBITDA | 8.98 |
EPS(TTM)6.35
EY11.77%
EPS(NY)6.01
Fwd EY11.13%
FCF(TTM)8.78
FCFY16.28%
OCF(TTM)9.35
OCFY17.33%
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 | 0.8 |
F-Score9
WACC7.21%
ROIC/WACC0.39
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-2.9%
EPS Next 2Y0.99%
EPS Next 3Y3.69%
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%