KEMPER CORP (KMPR)
US4884011002 - Common Stock
KMPR gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 141 industry peers in the Insurance industry. KMPR may be in some trouble as it scores bad on both profitability and health. KMPR has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year KMPR has reported negative net income.
In the past year KMPR has reported a negative cash flow from operations.
The reported net income has been mixed in the past 5 years: KMPR reported negative net income in multiple 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
The Return On Assets of KMPR (-2.14%) is worse than 85.00% of its industry peers.
KMPR's Return On Equity of -10.86% is on the low side compared to the rest of the industry. KMPR is outperformed by 77.86% of its industry peers.
KMPR has a Return On Invested Capital (0.45%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.14% | ||
| ROE | -10.86% | ||
| ROIC | 0.45% |
ROA(3y)-1.71%
ROA(5y)0.36%
ROE(3y)-8.23%
ROE(5y)-0.48%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Operating Margin value of 1.38%, KMPR is not doing good in the industry: 73.57% of the companies in the same industry are doing better.
KMPR's Operating Margin has declined in the last couple of years.
The Profit Margin and Gross Margin are not available for KMPR so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 1.38% | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3Y-53.96%
OM growth 5Y-34.27%
PM growth 3YN/A
PM growth 5YN/A
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.
KMPR has more shares outstanding than it did 1 year ago.
The number of shares outstanding for KMPR has been reduced compared to 5 years ago.
KMPR has a worse debt/assets ratio than last year.
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.
KMPR's Altman-Z score of 0.69 is fine compared to the rest of the industry. KMPR outperforms 77.86% of its industry peers.
KMPR has a Debt/Equity ratio of 0.55. This is a neutral value indicating KMPR is somewhat dependend on debt financing.
KMPR has a worse Debt to Equity ratio (0.55) than 65.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.55 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.69 |
ROIC/WACC0.06
WACC7.61%
2.3 Liquidity
KMPR has a Current Ratio of 0.27. This is a bad value and indicates that KMPR is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.27, KMPR is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
KMPR has a Quick Ratio of 0.27. 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 (0.27) is better than 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.27 | ||
| Quick Ratio | 0.27 |
3. Growth
3.1 Past
KMPR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 61.63%, which is quite impressive.
KMPR shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -13.06%.
Measured over the past years, KMPR shows a small growth in Revenue. The Revenue has been growing by 5.42% on average per year.
EPS 1Y (TTM)61.63%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q290.24%
Revenue 1Y (TTM)-13.06%
Revenue growth 3Y-1.39%
Revenue growth 5Y5.42%
Revenue growth Q2Q-13.75%
3.2 Future
The Earnings Per Share is expected to grow by 179.09% on average over the next years. This is a very strong growth
The Revenue is expected to decrease by -4.86% on average over the next years.
EPS Next Y560.24%
EPS Next 2Y179.09%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-15.12%
Revenue Next 2Y-4.86%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for KMPR. In the last year negative earnings were reported.
The Price/Forward Earnings ratio is 13.50, which indicates a correct valuation of KMPR.
KMPR's Price/Forward Earnings ratio is in line with the industry average.
KMPR is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 20.72, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 13.5 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as KMPR.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 40.13 |
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.
A more expensive valuation may be justified as KMPR's earnings are expected to grow with 179.09% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y179.09%
EPS Next 3YN/A
5. Dividend
5.1 Amount
KMPR has a Yearly Dividend Yield of 2.13%.
KMPR's Dividend Yield is comparable with the industry average which is at 4.23.
Compared to an average S&P500 Dividend Yield of 2.41, KMPR has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.13% |
5.2 History
The dividend of KMPR has a limited annual growth rate of 5.17%.
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)5.17%
Div Incr Years0
Div Non Decr Years13
5.3 Sustainability
The earnings of KMPR are negative and hence is the payout ratio. KMPR will probably not be able to sustain this dividend level.
The dividend of KMPR is growing, but earnings are growing more, so the dividend growth is sustainable.
DP-29.44%
EPS Next 2Y179.09%
EPS Next 3YN/A
KEMPER CORP
NYSE:KMPR (5/2/2024, 6:04:57 PM)
After market: 58.39 0 (0%)58.39
-0.1 (-0.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap3.76B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.13% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 13.5 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.14% | ||
| ROE | -10.86% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 1.38% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.39
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.55 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 0.27 | ||
| Quick Ratio | 0.27 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)61.63%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y560.24%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-13.06%
Revenue growth 3Y-1.39%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y