KEMPER CORP (KMPR) Stock Fundamental Analysis
NYSE:KMPR • US4884011002
32.32 USD
-0.15 (-0.46%)
At close: Feb 27, 2026
32.32 USD
0 (0%)
After Hours: 2/27/2026, 8:14:51 PM
Overall KMPR gets a fundamental rating of 4 out of 10. We evaluated KMPR against 150 industry peers in the Insurance industry. KMPR scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. A decent growth rate in combination with a cheap valuation! Better keep an eye on KMPR. KMPR also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year KMPR was profitable.
- 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
- KMPR's Return On Assets of 2.00% is in line compared to the rest of the industry. KMPR outperforms 52.00% of its industry peers.
- KMPR has a Return On Equity of 9.10%. This is comparable to the rest of the industry: KMPR outperforms 41.33% of its industry peers.
- The Return On Invested Capital of KMPR (1.82%) is comparable to the rest of the industry.
- Measured over the past 3 years, the Average Return On Invested Capital for KMPR is significantly below the industry average of 15.13%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2% | ||
| ROE | 9.1% | ||
| ROIC | 1.82% |
ROA(3y)0.51%
ROA(5y)-0.29%
ROE(3y)1.96%
ROE(5y)-1.59%
ROIC(3y)1.88%
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 5.12%, KMPR is doing worse than 66.00% of the companies in the same industry.
- In the last couple of years the Profit Margin of KMPR has declined.
- Looking at the Operating Margin, with a value of 5.40%, KMPR is doing worse than 76.00% of the companies in the same industry.
- In the last couple of years the Operating Margin of KMPR has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.4% | ||
| PM (TTM) | 5.12% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5Y-20.62%
PM growth 3YN/A
PM growth 5Y-17.8%
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.
- Compared to 1 year ago, KMPR has less shares outstanding
- Compared to 5 years ago, KMPR has less shares outstanding
- KMPR has a better debt/assets ratio than last year.
2.2 Solvency
- KMPR has an Altman-Z score of 0.67. This is a bad value and indicates that KMPR is not financially healthy and even has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 0.67, KMPR is in the better half of the industry, outperforming 77.33% of the companies in the same industry.
- 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.
- 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 | 0.67 |
ROIC/WACC0.29
WACC6.3%
2.3 Liquidity
- A Current Ratio of 0.28 indicates that KMPR may have some problems paying its short term obligations.
- The Current ratio of KMPR (0.28) is better than 70.00% of its industry peers.
- KMPR has a Quick Ratio of 0.28. This is a bad value and indicates that KMPR is not financially healthy enough and could expect problems in meeting its short term obligations.
- With a decent Quick ratio value of 0.28, KMPR is doing good in the industry, outperforming 70.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.28 | ||
| Quick Ratio | 0.28 |
3. Growth
3.1 Past
- The earnings per share for KMPR have decreased strongly by -40.07% in the last year.
- KMPR shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -11.72% yearly.
- The Revenue has been growing slightly by 3.40% in the past 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
- The Earnings Per Share is expected to grow by 22.72% on average over the next years. This is a very strong growth
- KMPR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.02% yearly.
EPS Next Y38.47%
EPS Next 2Y33.57%
EPS Next 3Y22.72%
EPS Next 5YN/A
Revenue Next Year3.18%
Revenue Next 2Y4.85%
Revenue Next 3Y3.02%
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
- A Price/Earnings ratio of 9.16 indicates a reasonable valuation of KMPR.
- KMPR's Price/Earnings ratio is a bit cheaper when compared to the industry. KMPR is cheaper than 67.33% of the companies in the same industry.
- KMPR is valuated cheaply when we compare the Price/Earnings ratio to 27.10, which is the current average of the S&P500 Index.
- KMPR is valuated cheaply with a Price/Forward Earnings ratio of 6.61.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of KMPR indicates a somewhat cheap valuation: KMPR is cheaper than 76.67% of the companies listed 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 28.06.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.16 | ||
| Fwd PE | 6.61 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of KMPR indicates a somewhat cheap valuation: KMPR is cheaper than 64.00% of the companies listed in the same industry.
- Based on the Price/Free Cash Flow ratio, KMPR is valued a bit cheaper than the industry average as 80.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.43 | ||
| 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.
- A more expensive valuation may be justified as KMPR's earnings are expected to grow with 22.72% in the coming years.
PEG (NY)0.24
PEG (5Y)N/A
EPS Next 2Y33.57%
EPS Next 3Y22.72%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.95%, KMPR has a reasonable but not impressive dividend return.
- In the last 3 months the price of KMPR has falen by -20.63%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
- Compared to an average industry Dividend Yield of 2.63, KMPR pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.80, KMPR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.95% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)4.04%
Div Incr Years0
Div Non Decr Years14
5.3 Sustainability
- 32.45% of the earnings are spent on dividend by KMPR. This is a low number and sustainable payout ratio.
- KMPR's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP32.45%
EPS Next 2Y33.57%
EPS Next 3Y22.72%
32.32
-0.15 (-0.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-04 2026-02-04/amc
Earnings (Next)05-05 2026-05-05
Inst Owners90.93%
Inst Owner Change-1.09%
Ins Owners0.9%
Ins Owner Change2.19%
Market Cap1.90B
Revenue(TTM)4.80B
Net Income(TTM)248.70M
Analysts71.67
Price Target59.36 (83.66%)
Short Float %4.05%
Short Ratio2.72
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.95% |
Yearly Dividend1.25
Dividend Growth(5Y)4.04%
DP32.45%
Div Incr Years0
Div Non Decr Years14
Ex-DateN/A
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)0%
PT rev (3m)-2.35%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-31.34%
EPS NY rev (1m)0%
EPS NY rev (3m)-18.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.13%
Revenue NY rev (1m)-1.88%
Revenue NY rev (3m)-5.75%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.16 | ||
| Fwd PE | 6.61 | ||
| P/S | 0.39 | ||
| P/FCF | 3.43 | ||
| P/OCF | 3.24 | ||
| P/B | 0.69 | ||
| P/tB | 1.28 | ||
| EV/EBITDA | 8.14 |
EPS(TTM)3.53
EY10.92%
EPS(NY)4.89
Fwd EY15.12%
FCF(TTM)9.43
FCFY29.17%
OCF(TTM)9.96
OCFY30.83%
SpS82.81
BVpS46.57
TBVpS25.25
PEG (NY)0.24
PEG (5Y)N/A
Graham Number60.82
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2% | ||
| ROE | 9.1% | ||
| ROCE | 2.23% | ||
| ROIC | 1.82% | ||
| ROICexc | 1.83% | ||
| ROICexgc | 2.13% | ||
| OM | 5.4% | ||
| PM (TTM) | 5.12% | ||
| GM | N/A | ||
| FCFM | 11.38% |
ROA(3y)0.51%
ROA(5y)-0.29%
ROE(3y)1.96%
ROE(5y)-1.59%
ROIC(3y)1.88%
ROIC(5y)N/A
ROICexc(3y)1.9%
ROICexc(5y)N/A
ROICexgc(3y)2.23%
ROICexgc(5y)N/A
ROCE(3y)2.31%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y-18.97%
ROICexc growth 3YN/A
ROICexc growth 5Y-19.39%
OM growth 3YN/A
OM growth 5Y-20.62%
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 | 1.71 | ||
| 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 | 0.67 |
F-Score6
WACC6.3%
ROIC/WACC0.29
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 Y38.47%
EPS Next 2Y33.57%
EPS Next 3Y22.72%
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 Year3.18%
Revenue Next 2Y4.85%
Revenue Next 3Y3.02%
Revenue Next 5YN/A
EBIT growth 1Y-54.03%
EBIT growth 3YN/A
EBIT growth 5Y-21.72%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y361.3%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y228.24%
OCF growth 3YN/A
OCF growth 5YN/A
KEMPER CORP / KMPR 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 2 / 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 9.16 and the Price/Book (PB) ratio is 0.69.
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 32.45%.