(KMPR) Kemper - Ratings and Ratios
Auto Insurance, Home Insurance, Life Insurance, Health Insurance
KMPR EPS (Earnings per Share)
KMPR Revenue
Description: KMPR Kemper
Kemper Corporation is a US-based insurance holding company operating in two main segments: Specialty Property & Casualty Insurance and Life Insurance. The company offers a range of insurance products, including specialty personal and commercial automobile insurance, individual life, accident, supplemental health, and property insurance, primarily through independent agents and brokers.
From a business perspective, Kempers Specialty Property & Casualty Insurance segment is a key player, with a focus on niche markets such as non-standard auto insurance. The Life Insurance segment also contributes significantly to the companys revenue. To evaluate Kempers performance, key performance indicators (KPIs) such as loss ratio, expense ratio, and combined ratio can be used to assess the companys underwriting profitability. Additionally, metrics like premium growth rate, return on equity (RoE), and dividend yield can provide insights into the companys financial health and attractiveness to investors.
With a market capitalization of approximately $3.86 billion, Kemper Corporation is a mid-cap company with a relatively stable presence in the insurance industry. The companys return on equity (RoE) of 12.32% indicates a decent level of profitability. To further analyze Kempers stock, investors may consider KPIs such as beta, Sharpe ratio, and dividend payout ratio to gauge the stocks volatility, risk-adjusted returns, and dividend sustainability.
Overall, Kemper Corporations diversified insurance offerings and established presence in the US market make it a potentially attractive investment opportunity for those seeking exposure to the insurance sector. A thorough analysis of the companys financials, management team, and industry trends would be necessary to determine the stocks potential for long-term growth and returns.
KMPR Stock Overview
| Market Cap in USD | 3,411m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 1991-09-18 |
KMPR Stock Ratings
| Growth Rating | -5.41% |
| Fundamental | 74.0% |
| Dividend Rating | 48.0% |
| Return 12m vs S&P 500 | -25.8% |
| Analyst Rating | 4.33 of 5 |
KMPR Dividends
| Dividend Yield 12m | 2.20% |
| Yield on Cost 5y | 2.01% |
| Annual Growth 5y | 0.66% |
| Payout Consistency | 95.6% |
| Payout Ratio | 20.0% |
KMPR Growth Ratios
| Growth Correlation 3m | -83.5% |
| Growth Correlation 12m | -39.8% |
| Growth Correlation 5y | -7.1% |
| CAGR 5y | 6.43% |
| CAGR/Max DD 3y | 0.16 |
| CAGR/Mean DD 3y | 0.58 |
| Sharpe Ratio 12m | 1.09 |
| Alpha | -20.57 |
| Beta | 0.413 |
| Volatility | 31.52% |
| Current Volume | 842.8k |
| Average Volume 20d | 763.4k |
| Stop Loss | 50.9 (-3.1%) |
| Signal | -0.80 |
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income (340.7m TTM) > 0 and > 6% of Revenue (6% = 219.7m TTM) |
| FCFTA 0.05 (>2.0%) and ΔFCFTA 6.36pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 52.33% (prev -102.5%; Δ 154.8pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.05 (>3.0%) and CFO 586.6m > Net Income 340.7m (YES >=105%, WARN >=100%) |
| Net Debt (765.6m) to EBITDA (518.2m) ratio: 1.48 <= 3.0 (WARN <= 3.5) |
| Current Ratio 5.26 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (64.6m) change vs 12m ago -0.45% (target <= -2.0% for YES) |
| Gross Margin 48.18% (prev 100.00%; Δ -51.81pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 29.12% (prev 37.10%; Δ -7.98pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 9.45 (EBITDA TTM 518.2m / Interest Expense TTM 49.4m) >= 6 (WARN >= 3) |
Altman Z'' 1.71
| (A) 0.15 = (Total Current Assets 2.37b - Total Current Liabilities 449.6m) / Total Assets 12.60b |
| (B) 0.11 = Retained Earnings (Balance) 1.35b / Total Assets 12.60b |
| (C) 0.04 = EBIT TTM 466.7m / Avg Total Assets 12.57b |
| (D) 0.11 = Book Value of Equity 1.09b / Total Liabilities 9.66b |
| Total Rating: 1.71 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 73.95
| 1. Piotroski 5.50pt = 0.50 |
| 2. FCF Yield 14.65% = 5.0 |
| 3. FCF Margin 16.71% = 4.18 |
| 4. Debt/Equity 0.32 = 2.45 |
| 5. Debt/Ebitda 1.82 = 0.35 |
| 6. ROIC - WACC 3.25% = 4.07 |
| 7. RoE 11.92% = 0.99 |
| 8. Rev. Trend 33.47% = 1.67 |
| 9. Rev. CAGR 1500 % = 2.50 |
| 10. EPS Trend 89.29% = 2.23 |
| 11. EPS CAGR 0.0% = 0.0 |
What is the price of KMPR shares?
Over the past week, the price has changed by -1.67%, over one month by -0.62%, over three months by -16.92% and over the past year by -11.76%.
Is Kemper a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of KMPR is around 48.71 USD . This means that KMPR is currently overvalued and has a potential downside of -7.27%.
Is KMPR a buy, sell or hold?
- Strong Buy: 3
- Buy: 2
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the KMPR price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 67.6 | 28.7% |
| Analysts Target Price | 67.6 | 28.7% |
| ValueRay Target Price | 53.1 | 1.1% |
Last update: 2025-09-03 04:41
KMPR Fundamental Data Overview
CCE Cash And Equivalents = 177.0m USD (Cash only, last quarter)
P/E Trailing = 10.2392
P/E Forward = 9.1408
P/S = 0.713
P/B = 1.1551
P/EG = 4.29
Beta = 1.258
Revenue TTM = 3.66b USD
EBIT TTM = 466.7m USD
EBITDA TTM = 518.2m USD
Long Term Debt = 942.6m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (0.0)
Debt = 942.6m USD (Calculated: Short Term 0.0 + Long Term 942.6m)
Net Debt = 765.6m USD (from netDebt column, last quarter)
Enterprise Value = 4.18b USD (3.41b + Debt 942.6m - CCE 177.0m)
Interest Coverage Ratio = 9.45 (Ebit TTM 466.7m / Interest Expense TTM 49.4m)
FCF Yield = 14.65% (FCF TTM 612.0m / Enterprise Value 4.18b)
FCF Margin = 16.71% (FCF TTM 612.0m / Revenue TTM 3.66b)
Net Margin = 9.31% (Net Income TTM 340.7m / Revenue TTM 3.66b)
Gross Margin = 48.18% ((Revenue TTM 3.66b - Cost of Revenue TTM 1.90b) / Revenue TTM)
Tobins Q-Ratio = 3.82 (Enterprise Value 4.18b / Book Value Of Equity 1.09b)
Interest Expense / Debt = 0.95% (Interest Expense 9.00m / Debt 942.6m)
Taxrate = 19.56% (76.0m / 388.5m)
NOPAT = 375.4m (EBIT 466.7m * (1 - 19.56%))
Current Ratio = 5.26 (Total Current Assets 2.37b / Total Current Liabilities 449.6m)
Debt / Equity = 0.32 (Debt 942.6m / last Quarter total Stockholder Equity 2.95b)
Debt / EBITDA = 1.82 (Net Debt 765.6m / EBITDA 518.2m)
Debt / FCF = 1.54 (Debt 942.6m / FCF TTM 612.0m)
Total Stockholder Equity = 2.86b (last 4 quarters mean)
RoA = 2.70% (Net Income 340.7m, Total Assets 12.60b )
RoE = 11.92% (Net Income TTM 340.7m / Total Stockholder Equity 2.86b)
RoCE = 12.28% (Ebit 466.7m / (Equity 2.86b + L.T.Debt 942.6m))
RoIC = 9.33% (NOPAT 375.4m / Invested Capital 4.02b)
WACC = 6.07% (E(3.41b)/V(4.35b) * Re(7.54%)) + (D(942.6m)/V(4.35b) * Rd(0.95%) * (1-Tc(0.20)))
Shares Correlation 3-Years: 63.64 | Cagr: 0.11%
Discount Rate = 7.54% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 70.46% ; FCFE base≈612.0m ; Y1≈401.8m ; Y5≈183.7m
Fair Price DCF = 57.56 (DCF Value 3.61b / Shares Outstanding 62.7m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 89.29 | EPS CAGR: 0.0% | SUE: -1.28 | # QB: False
Revenue Correlation: 33.47 | Revenue CAGR: 1500 %
Additional Sources for KMPR Stock
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