KEMPER CORP (KMPR) Fundamental Analysis & Valuation
NYSE:KMPR • US4884011002
Current stock price
32.82 USD
+0.19 (+0.58%)
At close:
32.82 USD
0 (0%)
After Hours:
This KMPR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. KMPR Profitability Analysis
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
- With a Return On Assets value of 1.15%, KMPR is not doing good in the industry: 61.90% of the companies in the same industry are doing better.
- Looking at the Return On Equity, with a value of 5.34%, KMPR is doing worse than 72.11% of the companies in the same industry.
- KMPR has a Return On Invested Capital (1.82%) which is in line with its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for KMPR is significantly below the industry average of 9.51%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.15% | ||
| ROE | 5.34% | ||
| ROIC | 1.82% |
ROA(3y)0.51%
ROA(5y)-0.29%
ROE(3y)1.96%
ROE(5y)-1.59%
ROIC(3y)1.99%
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 2.98%, KMPR is doing worse than 77.55% of the companies in the same industry.
- KMPR's Profit Margin has declined in the last couple of years.
- The Operating Margin of KMPR (5.45%) is worse than 78.23% of its industry peers.
- In the last couple of years the Operating Margin of KMPR has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.45% | ||
| PM (TTM) | 2.98% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5Y-17.37%
PM growth 3YN/A
PM growth 5Y-17.8%
GM growth 3YN/A
GM growth 5YN/A
2. KMPR Health Analysis
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), KMPR is destroying value.
- KMPR has less shares outstanding than it did 1 year ago.
- KMPR has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, KMPR has an improved debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 0.65, we must say that KMPR is in the distress zone and has some risk of bankruptcy.
- With a decent Altman-Z score value of 0.65, KMPR is doing good in the industry, outperforming 76.19% of the companies in the same industry.
- The Debt to FCF ratio of KMPR is 1.70, which is an excellent value as it means it would take KMPR, only 1.70 years of fcf income to pay off all of its debts.
- KMPR has a Debt to FCF ratio of 1.70. This is comparable to the rest of the industry: KMPR outperforms 48.98% of its industry peers.
- 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 (0.35) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 1.7 | ||
| Altman-Z | 0.65 |
ROIC/WACC0.27
WACC6.74%
2.3 Liquidity
- KMPR has a Current Ratio of 0.24. 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 Current ratio of KMPR (0.24) is better than 69.39% of its industry peers.
- A Quick Ratio of 0.24 indicates that KMPR may have some problems paying its short term obligations.
- KMPR has a Quick ratio of 0.24. This is in the better half of the industry: KMPR outperforms 69.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.24 | ||
| Quick Ratio | 0.24 |
3. KMPR Growth Analysis
3.1 Past
- KMPR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -40.07%.
- The earnings per share for KMPR have been decreasing by -11.72% on average. This is quite bad
- Looking at the last year, KMPR shows a small growth in Revenue. The Revenue has grown by 3.40% in the last year.
- The Revenue has been decreasing by -1.39% on average over the past years.
EPS 1Y (TTM)-40.07%
EPS 3YN/A
EPS 5Y-11.72%
EPS Q2Q%-85.96%
Revenue 1Y (TTM)3.4%
Revenue growth 3Y-5.44%
Revenue growth 5Y-1.39%
Sales Q2Q%-3.47%
3.2 Future
- KMPR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.74% yearly.
- Based on estimates for the next years, KMPR will show a small growth in Revenue. The Revenue will grow by 2.43% on average per year.
EPS Next Y13.62%
EPS Next 2Y23.15%
EPS Next 3Y22.74%
EPS Next 5YN/A
Revenue Next Year2.33%
Revenue Next 2Y3.33%
Revenue Next 3Y2.43%
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.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. KMPR Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 9.30, the valuation of KMPR can be described as very reasonable.
- KMPR's Price/Earnings ratio is a bit cheaper when compared to the industry. KMPR is cheaper than 62.59% of the companies in the same industry.
- KMPR is valuated cheaply when we compare the Price/Earnings ratio to 27.42, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 8.18 indicates a reasonable valuation of KMPR.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of KMPR indicates a somewhat cheap valuation: KMPR is cheaper than 70.75% of the companies listed in the same industry.
- KMPR is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.24, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.3 | ||
| Fwd PE | 8.18 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as KMPR.
- KMPR's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. KMPR is cheaper than 77.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.48 | ||
| EV/EBITDA | 8.14 |
4.3 Compensation for Growth
- KMPR's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- KMPR's earnings are expected to grow with 22.74% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.68
PEG (5Y)N/A
EPS Next 2Y23.15%
EPS Next 3Y22.74%
5. KMPR Dividend Analysis
5.1 Amount
- KMPR has a Yearly Dividend Yield of 3.92%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.37, KMPR pays a better dividend. On top of this KMPR pays more dividend than 80.27% of the companies listed in the same industry.
- KMPR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.92% |
5.2 History
- The dividend of KMPR has a limited annual growth rate of 1.68%.
- 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)1.68%
Div Incr Years1
Div Non Decr Years15
5.3 Sustainability
- KMPR pays out 55.55% of its income as dividend. This is a bit on the high side, but may be sustainable.
- The dividend of KMPR is growing, but earnings are growing more, so the dividend growth is sustainable.
DP55.55%
EPS Next 2Y23.15%
EPS Next 3Y22.74%
KMPR Fundamentals: All Metrics, Ratios and Statistics
32.82
+0.19 (+0.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-04 2026-02-04/amc
Earnings (Next)05-06 2026-05-06
Inst Owners89.08%
Inst Owner Change0.02%
Ins Owners0.79%
Ins Owner Change14.08%
Market Cap1.93B
Revenue(TTM)4.80B
Net Income(TTM)143.30M
Analysts49.09
Price Target57.12 (74.04%)
Short Float %6.05%
Short Ratio3.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.92% |
Yearly Dividend1.3
Dividend Growth(5Y)1.68%
DP55.55%
Div Incr Years1
Div Non Decr Years15
Ex-Date02-17 2026-02-17 (0.32)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-73.43%
Min EPS beat(2)-75.49%
Max EPS beat(2)-71.37%
EPS beat(4)1
Avg EPS beat(4)-38.61%
Min EPS beat(4)-75.49%
Max EPS beat(4)8.6%
EPS beat(8)4
Avg EPS beat(8)-12.17%
EPS beat(12)7
Avg EPS beat(12)-5.79%
EPS beat(16)11
Avg EPS beat(16)-0.69%
Revenue beat(2)0
Avg Revenue beat(2)-4.37%
Min Revenue beat(2)-8.15%
Max Revenue beat(2)-0.59%
Revenue beat(4)0
Avg Revenue beat(4)-2.99%
Min Revenue beat(4)-8.15%
Max Revenue beat(4)-0.59%
Revenue beat(8)3
Avg Revenue beat(8)-0.75%
Revenue beat(12)3
Avg Revenue beat(12)-4.57%
Revenue beat(16)7
Avg Revenue beat(16)-2.49%
PT rev (1m)-3.45%
PT rev (3m)-3.78%
EPS NQ rev (1m)0.8%
EPS NQ rev (3m)-26.79%
EPS NY rev (1m)0%
EPS NY rev (3m)-23.58%
Revenue NQ rev (1m)0.09%
Revenue NQ rev (3m)-2.96%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)-2.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.3 | ||
| Fwd PE | 8.18 | ||
| P/S | 0.4 | ||
| P/FCF | 3.48 | ||
| P/OCF | 3.3 | ||
| P/B | 0.72 | ||
| P/tB | 1.35 | ||
| EV/EBITDA | 8.14 |
EPS(TTM)3.53
EY10.76%
EPS(NY)4.01
Fwd EY12.22%
FCF(TTM)9.42
FCFY28.7%
OCF(TTM)9.94
OCFY30.29%
SpS81.72
BVpS45.6
TBVpS24.33
PEG (NY)0.68
PEG (5Y)N/A
Graham Number60.1826 (83.37%)
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.15% | ||
| ROE | 5.34% | ||
| ROCE | 2.24% | ||
| ROIC | 1.82% | ||
| ROICexc | 1.84% | ||
| ROICexgc | 2.14% | ||
| OM | 5.45% | ||
| PM (TTM) | 2.98% | ||
| GM | N/A | ||
| FCFM | 11.53% |
ROA(3y)0.51%
ROA(5y)-0.29%
ROE(3y)1.96%
ROE(5y)-1.59%
ROIC(3y)1.99%
ROIC(5y)N/A
ROICexc(3y)2.01%
ROICexc(5y)N/A
ROICexgc(3y)2.37%
ROICexgc(5y)N/A
ROCE(3y)2.45%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y-15.54%
ROICexc growth 3YN/A
ROICexc growth 5Y-16.09%
OM growth 3YN/A
OM growth 5Y-17.37%
PM growth 3YN/A
PM growth 5Y-17.8%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.39
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 1.7 | ||
| Debt/EBITDA | 2.81 | ||
| Cap/Depr | 41.18% | ||
| Cap/Sales | 0.64% | ||
| Interest Coverage | 5.9 | ||
| Cash Conversion | 173.8% | ||
| Profit Quality | 386.53% | ||
| Current Ratio | 0.24 | ||
| Quick Ratio | 0.24 | ||
| Altman-Z | 0.65 |
F-Score6
WACC6.74%
ROIC/WACC0.27
Cap/Depr(3y)77.35%
Cap/Depr(5y)66.68%
Cap/Sales(3y)0.96%
Cap/Sales(5y)0.89%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-40.07%
EPS 3YN/A
EPS 5Y-11.72%
EPS Q2Q%-85.96%
EPS Next Y13.62%
EPS Next 2Y23.15%
EPS Next 3Y22.74%
EPS Next 5YN/A
Revenue 1Y (TTM)3.4%
Revenue growth 3Y-5.44%
Revenue growth 5Y-1.39%
Sales Q2Q%-3.47%
Revenue Next Year2.33%
Revenue Next 2Y3.33%
Revenue Next 3Y2.43%
Revenue Next 5YN/A
EBIT growth 1Y-42.28%
EBIT growth 3YN/A
EBIT growth 5Y-18.51%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y68%
FCF growth 3YN/A
FCF growth 5Y7.02%
OCF growth 1Y52.65%
OCF growth 3YN/A
OCF growth 5Y5.46%
KEMPER CORP / KMPR Fundamental Analysis 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 7 / 10 to KEMPER CORP (KMPR). This can be considered as Undervalued.
What is the profitability of KMPR stock?
KEMPER CORP (KMPR) has a profitability rating of 1 / 10.
What is the expected EPS growth for KEMPER CORP (KMPR) stock?
The Earnings per Share (EPS) of KEMPER CORP (KMPR) is expected to grow by 13.62% in the next year.
Is the dividend of KEMPER CORP sustainable?
The dividend rating of KEMPER CORP (KMPR) is 8 / 10 and the dividend payout ratio is 55.55%.