KEMPER CORP (KMPR) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:KMPR - US4884011002 - Common Stock
39.17 USD
+0.18 (+0.46%)
39.17 USD
0 (0%)
KMPR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. While KMPR seems to be doing ok healthwise, 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.
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
KMPR's Return On Assets of 2.00% is in line compared to the rest of the industry. KMPR outperforms 48.30% of its industry peers.
Looking at the Return On Equity, with a value of 9.10%, KMPR is in line with its industry, outperforming 41.50% of the companies in the same industry.
KMPR 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
Looking at the Profit Margin, with a value of 5.12%, KMPR is doing worse than 65.31% of the companies in the same industry.
In the last couple of years the Profit Margin of KMPR has declined.
The Operating Margin of KMPR (5.40%) is worse than 77.55% of its industry peers.
KMPR'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
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
The number of shares outstanding for KMPR has been reduced compared to 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 0.70, we must say that KMPR is in the distress zone and has some risk of bankruptcy.
KMPR has a better Altman-Z score (0.70) than 74.83% 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.
KMPR has a Debt to FCF ratio (1.71) which is in line with its industry peers.
A Debt/Equity ratio of 0.35 indicates that KMPR is not too dependend on debt financing.
KMPR has a Debt to Equity ratio (0.35) which is in line with its industry peers.
| 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.
KMPR has a better Current ratio (0.28) than 69.39% 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 69.39% 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.
Looking at the last year, KMPR shows a small growth in Revenue. The Revenue has grown by 4.57% in the last 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
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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 7.74, which indicates a rather cheap valuation of KMPR.
Based on the Price/Earnings ratio, KMPR is valued a bit cheaper than 71.43% of the companies in the same industry.
When comparing the Price/Earnings ratio of KMPR to the average of the S&P500 Index (25.65), we can say KMPR is valued rather cheaply.
The Price/Forward Earnings ratio is 6.54, which indicates a rather cheap valuation of KMPR.
Based on the Price/Forward Earnings ratio, KMPR is valued a bit cheaper than the industry average as 75.51% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.45, KMPR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.74 | ||
| Fwd PE | 6.54 |
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 74.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.44 | ||
| EV/EBITDA | 9.75 |
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
KMPR has a Yearly Dividend Yield of 3.36%. Purely for dividend investing, there may be better candidates out there.
In the last 3 months the price of KMPR has falen by -26.99%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
KMPR's Dividend Yield is a higher than the industry average which is at 3.46.
Compared to an average S&P500 Dividend Yield of 2.41, KMPR pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.36% |
5.2 History
The dividend of KMPR has a limited annual growth rate of 4.04%.
KMPR has been paying a dividend for at least 10 years, so it has 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.
The dividend of KMPR is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP32.45%
EPS Next 2Y0.8%
EPS Next 3Y4.29%
39.17
+0.18 (+0.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners88.84%
Inst Owner Change-3.92%
Ins Owners4.9%
Ins Owner Change0.53%
Market Cap2.46B
Revenue(TTM)4.86B
Net Income(TTM)248.70M
Analysts75
Price Target60.79 (55.2%)
Short Float %3.07%
Short Ratio1.72
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.36% |
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)-11.83%
PT rev (3m)-11.83%
EPS NQ rev (1m)-4.29%
EPS NQ rev (3m)-4.18%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.69%
Revenue NQ rev (1m)-0.26%
Revenue NQ rev (3m)-0.26%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.74 | ||
| Fwd PE | 6.54 | ||
| P/S | 0.51 | ||
| P/FCF | 4.44 | ||
| P/OCF | 4.2 | ||
| P/B | 0.9 | ||
| P/tB | 1.66 | ||
| EV/EBITDA | 9.75 |
EPS(TTM)5.06
EY12.92%
EPS(NY)5.99
Fwd EY15.28%
FCF(TTM)8.82
FCFY22.51%
OCF(TTM)9.32
OCFY23.79%
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.