KEMPER CORP (KMPR) Fundamental Analysis & Valuation

NYSE:KMPR • US4884011002

Current stock price

31.185 USD
+0.81 (+2.68%)
Last:

This KMPR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

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.
KMPR Yearly Net Income VS EBIT VS OCF VS FCFKMPR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M 600M

1.2 Ratios

  • The Return On Assets of KMPR (1.15%) is worse than 60.14% of its industry peers.
  • KMPR has a worse Return On Equity (5.34%) than 68.92% of its industry peers.
  • KMPR has a Return On Invested Capital (1.82%) which is in line with its industry peers.
  • KMPR had an Average Return On Invested Capital over the past 3 years of 1.99%. This is significantly below the industry average of 9.34%.
Industry RankSector 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
KMPR Yearly ROA, ROE, ROICKMPR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 -10

1.3 Margins

  • With a Profit Margin value of 2.98%, KMPR is not doing good in the industry: 75.68% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of KMPR has declined.
  • The Operating Margin of KMPR (5.45%) is worse than 78.38% of its industry peers.
  • KMPR's Operating Margin has declined in the last couple of years.
Industry RankSector 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
KMPR Yearly Profit, Operating, Gross MarginsKMPR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10

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5

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.
  • The number of shares outstanding for KMPR has been reduced compared to 5 years ago.
  • KMPR has a better debt/assets ratio than last year.
KMPR Yearly Shares OutstandingKMPR Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
KMPR Yearly Total Debt VS Total AssetsKMPR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B

2.2 Solvency

  • Based on the Altman-Z score of 0.64, we must say that KMPR is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of KMPR (0.64) is better than 76.35% of its industry peers.
  • 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.
  • With a Debt to FCF ratio value of 1.70, KMPR perfoms like the industry average, outperforming 48.65% 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.
  • With a Debt to Equity ratio value of 0.35, KMPR perfoms like the industry average, outperforming 44.59% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF 1.7
Altman-Z 0.64
ROIC/WACC0.27
WACC6.65%
KMPR Yearly LT Debt VS Equity VS FCFKMPR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B 4B

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.
  • KMPR has a Current ratio of 0.24. This is in the better half of the industry: KMPR outperforms 68.92% 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 68.92% of its industry peers.
Industry RankSector Rank
Current Ratio 0.24
Quick Ratio 0.24
KMPR Yearly Current Assets VS Current LiabilitesKMPR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

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
  • KMPR shows a small growth in Revenue. In the last year, the Revenue has grown by 3.40%.
  • Measured over the past years, KMPR shows a decrease in Revenue. The Revenue has been decreasing by -1.39% on average per year.
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.
  • The Revenue is expected to grow by 3.02% on average over the next years.
EPS Next Y13.62%
EPS Next 2Y23.15%
EPS Next 3Y22.74%
EPS Next 5YN/A
Revenue Next Year2.28%
Revenue Next 2Y3.41%
Revenue Next 3Y3.02%
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.
KMPR Yearly Revenue VS EstimatesKMPR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B 4B 5B
KMPR Yearly EPS VS EstimatesKMPR Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 2 -2 4 6

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7

4. KMPR Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.83 indicates a reasonable valuation of KMPR.
  • 66.22% of the companies in the same industry are more expensive than KMPR, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 25.61. KMPR is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 7.78, the valuation of KMPR can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, KMPR is valued a bit cheaper than 70.95% of the companies in the same industry.
  • KMPR's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.79.
Industry RankSector Rank
PE 8.83
Fwd PE 7.78
KMPR Price Earnings VS Forward Price EarningsKMPR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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.
  • 78.38% of the companies in the same industry are more expensive than KMPR, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.31
EV/EBITDA 7.73
KMPR Per share dataKMPR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

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 22.74% in the coming years.
PEG (NY)0.65
PEG (5Y)N/A
EPS Next 2Y23.15%
EPS Next 3Y22.74%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. KMPR Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.59%, KMPR is a good candidate for dividend investing.
  • In the last 3 months the price of KMPR has falen by -25.78%. 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 rather good when compared to the industry average which is at 2.84. KMPR pays more dividend than 85.14% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, KMPR pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.59%

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 Years0
Div Non Decr Years14
KMPR Yearly Dividends per shareKMPR Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

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 Yearly Income VS Free CF VS DividendKMPR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M
KMPR Dividend Payout.KMPR Dividend Payout, showing the Payout Ratio.KMPR Dividend Payout.PayoutRetained Earnings

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KMPR Fundamentals: All Metrics, Ratios and Statistics

KEMPER CORP

NYSE:KMPR (3/26/2026, 10:57:40 AM)

31.185

+0.81 (+2.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-04
Earnings (Next)05-05
Inst Owners89.54%
Inst Owner Change-1.14%
Ins Owners0.97%
Ins Owner Change14.08%
Market Cap1.83B
Revenue(TTM)4.80B
Net Income(TTM)143.30M
Analysts49.09
Price Target59.16 (89.71%)
Short Float %5.05%
Short Ratio3.25
Dividend
Industry RankSector Rank
Dividend Yield 6.59%
Yearly Dividend1.3
Dividend Growth(5Y)1.68%
DP55.55%
Div Incr Years0
Div Non Decr Years14
Ex-Date02-17
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)-0.34%
PT rev (3m)-2.68%
EPS NQ rev (1m)-15.46%
EPS NQ rev (3m)-34.31%
EPS NY rev (1m)-17.95%
EPS NY rev (3m)-26.53%
Revenue NQ rev (1m)-0.95%
Revenue NQ rev (3m)-2.22%
Revenue NY rev (1m)-0.87%
Revenue NY rev (3m)-2.14%
Valuation
Industry RankSector Rank
PE 8.83
Fwd PE 7.78
P/S 0.38
P/FCF 3.31
P/OCF 3.13
P/B 0.68
P/tB 1.28
EV/EBITDA 7.73
EPS(TTM)3.53
EY11.32%
EPS(NY)4.01
Fwd EY12.86%
FCF(TTM)9.43
FCFY30.25%
OCF(TTM)9.96
OCFY31.92%
SpS81.84
BVpS45.67
TBVpS24.37
PEG (NY)0.65
PEG (5Y)N/A
Graham Number60.23
Profitability
Industry RankSector 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 RankSector 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 0.64
F-Score6
WACC6.65%
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 Year2.28%
Revenue Next 2Y3.41%
Revenue Next 3Y3.02%
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.


How profitable is KEMPER CORP (KMPR) stock?

KEMPER CORP (KMPR) has a profitability rating of 1 / 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 8.83 and the Price/Book (PB) ratio is 0.68.


How sustainable is the dividend of KEMPER CORP (KMPR) stock?

The dividend rating of KEMPER CORP (KMPR) is 8 / 10 and the dividend payout ratio is 55.55%.