KEMPER CORP (KMPR) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:KMPR - US4884011002 - Common Stock
40.79 USD
+0.32 (+0.79%)
40.79 USD
0 (0%)
Overall KMPR gets a fundamental rating of 4 out of 10. We evaluated KMPR against 148 industry peers in the Insurance industry. The financial health of KMPR is average, but there are quite some concerns on its profitability. KMPR is valued correctly, but it does not seem to be growing. Finally KMPR also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
KMPR had positive earnings in the past year.
In the past year KMPR had a positive cash flow from operations.
In multiple years KMPR reported negative net income over the last 5 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 2.00%, KMPR perfoms like the industry average, outperforming 50.68% of the companies in the same industry.
KMPR has a Return On Equity of 9.10%. This is comparable to the rest of the industry: KMPR outperforms 42.57% of its industry peers.
KMPR has a Return On Invested Capital (1.79%) which is in line with its industry peers.
| 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
KMPR's Profit Margin of 5.12% is on the low side compared to the rest of the industry. KMPR is outperformed by 64.86% of its industry peers.
KMPR's Profit Margin has declined in the last couple of years.
KMPR has a Operating Margin of 5.40%. This is in the lower half of the industry: KMPR underperforms 75.00% 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.
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
KMPR has an Altman-Z score of 0.70. This is a bad value and indicates that KMPR is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of KMPR (0.70) is better than 75.00% of its industry peers.
KMPR has a debt to FCF ratio of 1.71. This is a very positive value and a sign of high solvency as it would only need 1.71 years to pay back of all of its debts.
KMPR has a Debt to FCF ratio (1.71) which is comparable to the rest of the industry.
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 | 1.71 | ||
| Altman-Z | 0.7 |
ROIC/WACC0.27
WACC6.72%
2.3 Liquidity
A Current Ratio of 0.28 indicates that KMPR may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.28, KMPR is in the better half of the industry, outperforming 68.92% of the companies in the same industry.
A Quick Ratio of 0.28 indicates that KMPR may have some problems paying its short term obligations.
KMPR has a Quick ratio of 0.28. This is in the better half of the industry: KMPR outperforms 68.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.28 | ||
| Quick Ratio | 0.28 |
3. Growth
3.1 Past
KMPR shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.48%.
The Earnings Per Share has been decreasing by -1.21% on average over the past years.
The Revenue has been growing slightly by 4.57% in the past 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
KMPR is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.92% yearly.
KMPR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.04% yearly.
EPS Next Y-25.1%
EPS Next 2Y-3.73%
EPS Next 3Y2.92%
EPS Next 5YN/A
Revenue Next Year5.51%
Revenue Next 2Y5.01%
Revenue Next 3Y5.04%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 8.06, which indicates a very decent valuation of KMPR.
Based on the Price/Earnings ratio, KMPR is valued a bit cheaper than 75.68% of the companies in the same industry.
When comparing the Price/Earnings ratio of KMPR to the average of the S&P500 Index (26.39), we can say KMPR is valued rather cheaply.
The Price/Forward Earnings ratio is 7.47, which indicates a rather cheap 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 75.00% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.84. KMPR is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.06 | ||
| Fwd PE | 7.47 |
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.
KMPR's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. KMPR is cheaper than 77.03% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.32 | ||
| EV/EBITDA | 9.58 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.73%
EPS Next 3Y2.92%
5. Dividend
5.1 Amount
KMPR has a Yearly Dividend Yield of 6.32%, which is a nice return.
The stock price of KMPR dropped by -21.30% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 2.30, KMPR pays a better dividend. On top of this KMPR pays more dividend than 91.89% 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 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.32% |
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 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, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP32.45%
EPS Next 2Y-3.73%
EPS Next 3Y2.92%
40.79
+0.32 (+0.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners90.76%
Inst Owner Change-3.92%
Ins Owners0.7%
Ins Owner Change1.78%
Market Cap2.39B
Revenue(TTM)4.86B
Net Income(TTM)248.70M
Analysts75
Price Target60.79 (49.03%)
Short Float %3.75%
Short Ratio2.06
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.32% |
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)-20.32%
EPS NQ rev (3m)-23.65%
EPS NY rev (1m)-22.33%
EPS NY rev (3m)-22.86%
Revenue NQ rev (1m)-1.13%
Revenue NQ rev (3m)-1.39%
Revenue NY rev (1m)-2.5%
Revenue NY rev (3m)-2.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.06 | ||
| Fwd PE | 7.47 | ||
| P/S | 0.49 | ||
| P/FCF | 4.32 | ||
| P/OCF | 4.09 | ||
| P/B | 0.87 | ||
| P/tB | 1.61 | ||
| EV/EBITDA | 9.58 |
EPS(TTM)5.06
EY12.41%
EPS(NY)5.46
Fwd EY13.38%
FCF(TTM)9.45
FCFY23.16%
OCF(TTM)9.98
OCFY24.48%
SpS82.98
BVpS46.66
TBVpS25.3
PEG (NY)N/A
PEG (5Y)N/A
Graham Number72.89
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
WACC6.72%
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-25.1%
EPS Next 2Y-3.73%
EPS Next 3Y2.92%
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 Year5.51%
Revenue Next 2Y5.01%
Revenue Next 3Y5.04%
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 5 / 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 -25.1% in the next year.