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Kemper

NYSE:KMPR
Snowflake Description

Solid track record with adequate balance sheet.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
KMPR
NYSE
$6B
Market Cap
  1. Home
  2. US
  3. Insurance
Company description

Kemper Corporation, a diversified insurance holding company, provides property and casualty, and life and health insurance to individuals and businesses in the United States. The last earnings update was 57 days ago. More info.


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KMPR Share Price and Events
7 Day Returns
-1.7%
NYSE:KMPR
0.9%
US Insurance
1.4%
US Market
1 Year Returns
17.9%
NYSE:KMPR
14.9%
US Insurance
4.9%
US Market
KMPR Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Kemper (KMPR) -1.7% 0.7% 12.6% 17.9% 193.8% 137.4%
US Insurance 0.9% 3.2% 11.1% 14.9% 46.1% 47%
US Market 1.4% 3.8% 3.5% 4.9% 44.8% 40.1%
1 Year Return vs Industry and Market
  • KMPR outperformed the Insurance industry which returned 14.9% over the past year.
  • KMPR outperformed the Market in United States of America which returned 4.9% over the past year.
Price Volatility
KMPR
Industry
5yr Volatility vs Market

Value

 Is Kemper undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Kemper to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Kemper.

NYSE:KMPR Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 5 analysts.
= Stable Book Value * Return on Equity
= $57.46 * 11.1%
$6.36
Book Value of Equity per Share Weighted future Book Value estimates from 4 analysts. $57.46
Discount Rate (Cost of Equity) See below 7.9%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NYSE:KMPR
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Insurance Unlevered Beta Simply Wall St/ S&P Global 0.69
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.69 (1 + (1- 21%) (20.19%))
0.866
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.87
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (0.866 * 5.96%)
7.89%

Discounted Cash Flow Calculation for NYSE:KMPR using Excess Returns Model Model

The calculations below outline how an intrinsic value for Kemper is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NYSE:KMPR Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (11.1% – 7.89%) * $57.46)
$1.83
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $1.83 / (7.89% - 2.73%)
$35.40
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $57.46 + $35.40
$92.86
NYSE:KMPR Discount to Share Price
Calculation Result
Value per share (USD) From above. $92.86
Current discount Discount to share price of $87.80
= -1 x ($87.80 - $92.86) / $92.86
5.4%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Kemper is available for.
Intrinsic value
5%
Share price is $87.8 vs Future cash flow value of $92.86
Current Discount Checks
For Kemper to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Kemper's share price is below the future cash flow value, but not at a moderate discount (< 20%).
  • Kemper's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Kemper's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Kemper's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NYSE:KMPR PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in USD $4.70
NYSE:KMPR Share Price ** NYSE (2019-06-25) in USD $87.8
United States of America Insurance Industry PE Ratio Median Figure of 90 Publicly-Listed Insurance Companies 17.67x
United States of America Market PE Ratio Median Figure of 3,095 Publicly-Listed Companies 17.73x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Kemper.

NYSE:KMPR PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NYSE:KMPR Share Price ÷ EPS (both in USD)

= 87.8 ÷ 4.70

18.68x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Kemper is overvalued based on earnings compared to the US Insurance industry average.
  • Kemper is overvalued based on earnings compared to the United States of America market.
Price based on expected Growth
Does Kemper's expected growth come at a high price?
Raw Data
NYSE:KMPR PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 18.68x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 5 Analysts
6.2%per year
United States of America Insurance Industry PEG Ratio Median Figure of 66 Publicly-Listed Insurance Companies 1.54x
United States of America Market PEG Ratio Median Figure of 2,133 Publicly-Listed Companies 1.53x

*Line of best fit is calculated by linear regression .

NYSE:KMPR PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 18.68x ÷ 6.2%

3.01x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Kemper is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on Kemper's assets?
Raw Data
NYSE:KMPR PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in USD $51.13
NYSE:KMPR Share Price * NYSE (2019-06-25) in USD $87.8
United States of America Insurance Industry PB Ratio Median Figure of 119 Publicly-Listed Insurance Companies 1.23x
United States of America Market PB Ratio Median Figure of 5,255 Publicly-Listed Companies 1.79x
NYSE:KMPR PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NYSE:KMPR Share Price ÷ Book Value per Share (both in USD)

= 87.8 ÷ 51.13

1.72x

* Primary Listing of Kemper.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Kemper is overvalued based on assets compared to the US Insurance industry average.
X
Value checks
We assess Kemper's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Insurance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Insurance industry average (and greater than 0)? (1 check)
  5. Kemper has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Kemper expected to perform in the next 1 to 3 years based on estimates from 5 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
6.2%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Kemper expected to grow at an attractive rate?
  • Kemper's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Kemper's earnings growth is positive but not above the United States of America market average.
  • Kemper's revenue growth is expected to exceed the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NYSE:KMPR Future Growth Rates Data Sources
Data Point Source Value (per year)
NYSE:KMPR Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 5 Analysts 6.2%
NYSE:KMPR Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 5 Analysts 10.3%
United States of America Insurance Industry Earnings Growth Rate Market Cap Weighted Average 9.6%
United States of America Insurance Industry Revenue Growth Rate Market Cap Weighted Average 3.4%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.9%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.4%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NYSE:KMPR Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NYSE:KMPR Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2023-12-31
2022-12-31
2021-12-31 5,967 435 1
2020-12-31 5,227 398 4
2019-12-31 4,903 423 4
NYSE:KMPR Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 4,233 554 289
2018-12-31 3,689 539 187
2018-09-30 3,292 421 218
2018-06-30 2,823 328 174
2018-03-31 2,765 266 173
2017-12-31 2,723 241 119
2017-09-30 2,669 235 112
2017-06-30 2,619 228 47
2017-03-31 2,562 212 15
2016-12-31 2,522 241 13
2016-09-30 2,496 218 -15
2016-06-30 2,471 251 41

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Kemper's earnings are expected to grow by 6.2% yearly, however this is not considered high growth (20% yearly).
  • Kemper's revenue is expected to grow by 10.3% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NYSE:KMPR Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 months ago) See Below
Future Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below

All data from Kemper Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NYSE:KMPR Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2023-12-31
2022-12-31
2021-12-31 6.42 6.42 6.42 1.00
2020-12-31 6.08 6.62 5.64 3.00
2019-12-31 6.51 6.75 6.25 3.00
NYSE:KMPR Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 4.70
2018-12-31 3.22
2018-09-30 3.98
2018-06-30 3.37
2018-03-31 3.36
2017-12-31 2.32
2017-09-30 2.19
2017-06-30 0.91
2017-03-31 0.29
2016-12-31 0.25
2016-09-30 -0.29
2016-06-30 0.80

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Kemper is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Kemper's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Kemper has a total score of 2/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Kemper performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Kemper's growth in the last year to its industry (Insurance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Kemper's year on year earnings growth rate has been positive over the past 5 years.
  • Kemper's 1-year earnings growth exceeds its 5-year average (67.5% vs 12%)
  • Kemper's earnings growth has exceeded the US Insurance industry average in the past year (67.5% vs 6.6%).
Earnings and Revenue History
Kemper's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Kemper Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NYSE:KMPR Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 4,232.70 288.90 972.10
2018-12-31 3,689.40 187.40 897.80
2018-09-30 3,292.00 218.10 789.30
2018-06-30 2,822.50 173.60 651.00
2018-03-31 2,765.00 172.50 643.30
2017-12-31 2,723.40 119.10 642.90
2017-09-30 2,668.80 112.40 635.80
2017-06-30 2,619.20 46.80 641.70
2017-03-31 2,562.00 14.60 646.00
2016-12-31 2,521.90 12.90 646.70
2016-09-30 2,496.20 -14.90 660.60
2016-06-30 2,470.90 41.10 660.00
2016-03-31 2,452.90 64.20 654.30
2015-12-31 2,340.80 79.80 645.10
2015-09-30 2,283.50 141.60 624.50
2015-06-30 2,207.90 108.60 622.00
2015-03-31 2,141.20 90.70 621.20
2014-12-31 2,196.60 112.10 628.40
2014-09-30 2,222.90 103.60 634.90
2014-06-30 2,318.80 167.10 646.40
2014-03-31 2,365.20 190.10 648.20
2013-12-31 2,426.50 213.40 654.40
2013-09-30 2,437.10 157.20 661.00
2013-06-30 2,447.00 144.20 663.60
2013-03-31 2,467.00 113.50 668.20
2012-12-31 2,462.30 91.30 672.30
2012-09-30 2,479.00 117.90 669.30
2012-06-30 2,426.20 63.70 673.40

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Kemper has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Kemper used its assets more efficiently than the US Insurance industry average last year based on Return on Assets.
  • Kemper has significantly improved its use of capital last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess Kemper's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Insurance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Kemper has a total score of 5/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Kemper's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Kemper's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Kemper's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
  • Kemper's long term commitments exceed its cash and other short term assets.
Balance sheet
This treemap shows a more detailed breakdown of Kemper's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 1.6x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Kemper Company Filings, last reported 2 months ago.

NYSE:KMPR Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 3,320.10 1,096.20 457.40
2018-12-31 3,050.10 919.00 361.20
2018-09-30 3,063.80 1,133.70 781.30
2018-06-30 2,045.70 961.80 818.90
2018-03-31 2,063.80 602.30 304.20
2017-12-31 2,115.60 592.30 287.90
2017-09-30 2,082.40 592.90 382.90
2017-06-30 2,033.40 592.50 296.80
2017-03-31 1,983.60 752.20 370.30
2016-12-31 1,975.20 751.60 394.70
2016-09-30 2,073.60 751.30 500.50
2016-06-30 2,105.20 751.10 530.00
2016-03-31 2,041.10 750.90 532.50
2015-12-31 1,992.40 750.60 422.10
2015-09-30 2,024.60 750.40 447.60
2015-06-30 2,012.30 750.20 437.20
2015-03-31 2,109.90 750.00 449.90
2014-12-31 2,090.70 752.10 423.20
2014-09-30 2,104.50 751.90 414.30
2014-06-30 2,138.60 751.70 547.00
2014-03-31 2,144.70 751.40 576.80
2013-12-31 2,051.50 606.90 356.20
2013-09-30 2,009.10 606.70 367.70
2013-06-30 2,005.00 611.90 313.30
2013-03-31 2,172.40 611.60 464.90
2012-12-31 2,161.70 611.40 428.30
2012-09-30 2,204.50 611.20 620.50
2012-06-30 2,148.70 611.00 526.50
  • Kemper's level of debt (33%) compared to net worth is satisfactory (less than 40%).
  • The level of debt compared to net worth has been reduced over the past 5 years (35% vs 33% today).
  • Debt is well covered by operating cash flow (50.6%, greater than 20% of total debt).
  • Interest payments on debt are well covered by earnings (EBIT is 9.9x coverage).
X
Financial health checks
We assess Kemper's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Kemper has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Kemper's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
1.14%
Current annual income from Kemper dividends. Estimated to be 1.16% next year.
If you bought $2,000 of Kemper shares you are expected to receive $23 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Kemper's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.45%).
  • Kemper's dividend is below the markets top 25% of dividend payers in United States of America (3.73%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NYSE:KMPR Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below
United States of America Insurance Industry Average Dividend Yield Market Cap Weighted Average of 80 Stocks 2.3%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2012 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NYSE:KMPR Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2023-12-31
2022-12-31
2021-12-31
2020-12-31 1.04 1.00
2019-12-31 1.00 1.00
NYSE:KMPR Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-05-01 1.000 1.153
2019-02-06 1.000 1.238
2018-11-07 0.960 1.350
2018-08-01 0.960 1.224
2018-05-02 0.960 1.270
2018-02-07 0.960 1.656
2017-11-01 0.960 1.421
2017-08-02 0.960 1.849
2017-05-03 0.960 2.478
2017-02-08 0.960 2.336
2016-11-02 0.960 2.269
2016-08-03 0.960 2.556
2016-05-04 0.960 2.965
2016-02-03 0.960 3.342
2015-11-04 0.960 2.576
2015-05-06 0.960 2.603
2015-02-04 0.960 2.515
2014-11-05 0.960 2.694
2014-08-06 0.960 2.733
2014-05-07 0.960 2.681
2014-02-05 0.960 2.485
2013-10-30 0.960 2.482
2013-07-31 0.960 2.734
2013-05-01 0.960 2.812
2013-02-06 0.960 3.049
2012-11-07 0.960 3.157
2012-08-01 0.960 3.079
2012-05-03 0.960 3.164
2012-02-01 0.960 3.263
2011-11-02 0.960 3.417
2011-08-03 0.960 3.808
2011-05-04 0.960 3.297
2011-02-02 0.960 3.243
2010-11-03 0.880 3.491
2010-08-04 0.880 3.588
2010-05-05 0.880 3.325
2010-02-03 0.880 3.289
2009-11-04 0.800 3.540
2009-08-05 0.800 4.233

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been stable in the past 10 years.
  • Dividends per share have increased over the past 10 years.
Current Payout to shareholders
What portion of Kemper's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (4.8x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Kemper's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Kemper afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Kemper has a total score of 3/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Kemper's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Joe Lacher
COMPENSATION $6,905,879
AGE 49
TENURE AS CEO 3.6 years
CEO Bio

Mr. Joseph Patrick Lacher, Jr., also known as Joe, has been the President, Chief Executive Officer and Director of Kemper Corporation since November 11, 2015. From November 2009 to July 2011, Mr. Lacher was President of Allstate Protection, a unit of Allstate Corporation, where he led the company’s property and casualty offerings serving more than seventeen million American households. Prior to Allstate, Mr. Lacher spent eighteen years at The Travelers Companies, Inc., most recently serving as Executive Vice President - Personal Insurance from 2002 to 2009 and additionally as Executive Vice President - Select Accounts from 2006 to 2009.

CEO Compensation
  • Joe's compensation has been consistent with company performance over the past year, both up more than 20%.
  • Joe's remuneration is about average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Kemper management team in years:

3.8
Average Tenure
51
Average Age
  • The tenure for the Kemper management team is about average.
Management Team

Joe Lacher

TITLE
President
COMPENSATION
$7M
AGE
49
TENURE
3.6 yrs

Jim McKinney

TITLE
Senior VP & CFO
COMPENSATION
$2M
AGE
38
TENURE
2.6 yrs

John Boschelli

TITLE
Senior VP & Chief Investment Officer
COMPENSATION
$2M
AGE
49
TENURE
10.1 yrs

Duane Sanders

TITLE
Senior VP and President of Property & Casualty Division
COMPENSATION
$5M
AGE
61

Mark Green

TITLE
Senior VP and President of Life & Health Division
COMPENSATION
$2M
AGE
50

Charles Brooks

TITLE
Senior Vice President of Operations & Systems
COMPENSATION
$1M
AGE
51
TENURE
2.3 yrs

Rich Roeske

TITLE
VP & Chief Accounting Officer
COMPENSATION
$1M
AGE
57
TENURE
19.8 yrs

Tom Evans

TITLE
Senior VP
AGE
59
TENURE
4.1 yrs

Barbara Ciesemier

TITLE
Assistant Vice President of Corporate Communications
TENURE
1.4 yrs

Dennis Sandelski

TITLE
Vice President of Tax & Corporate Development
AGE
57
TENURE
9.1 yrs
Board of Directors Tenure

Average tenure and age of the Kemper board of directors in years:

4
Average Tenure
63
Average Age
  • The tenure for the Kemper board of directors is about average.
Board of Directors

Bob Joyce

TITLE
Non-Executive Chairman
COMPENSATION
$306K
AGE
70
TENURE
3.6 yrs

Joe Lacher

TITLE
President
COMPENSATION
$7M
AGE
49
TENURE
3.6 yrs

Sohail Ali

TITLE
Executive Director
TENURE
0.1 yrs

Christopher Sarofim

TITLE
Director
COMPENSATION
$192K
AGE
55
TENURE
6.1 yrs

George Cochran

TITLE
Director
COMPENSATION
$219K
AGE
63
TENURE
4.3 yrs

Kathleen Cronin

TITLE
Director
COMPENSATION
$209K
AGE
54
TENURE
4.3 yrs

Teresa Canida

TITLE
Director
COMPENSATION
$44K
AGE
64
TENURE
0.9 yrs

Doug G. Geoga

TITLE
Director
COMPENSATION
$201K
AGE
62
TENURE
19.3 yrs

David Storch

TITLE
Director
COMPENSATION
$196K
AGE
65
TENURE
9.1 yrs

Lacy Johnson

TITLE
Director
COMPENSATION
$188K
AGE
65
TENURE
2.8 yrs
Who owns this company?
Recent Insider Trading
  • Kemper individual insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
07. May 19 Sell John Boschelli Individual 06. May 19 06. May 19 -14,336 $90.61 $-1,297,072
14. Sep 18 Buy George Cochran Individual 12. Sep 18 12. Sep 18 500 $83.55 $41,775
27. Aug 18 Sell Carl Evans Individual 24. Aug 18 24. Aug 18 -2,000 $78.70 $-157,400
09. Aug 18 Sell John Boschelli Individual 07. Aug 18 07. Aug 18 -20,250 $76.81 $-1,549,192
X
Management checks
We assess Kemper's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Kemper has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Is It Time To Consider Buying Kemper Corporation (NYSE:KMPR)?

According to my valuation model, Kemper seems to be fairly priced at around 7.4% below my intrinsic value, which means if you buy Kemper today, you’d be paying a reasonable price for it. … Buying a great company with a robust outlook at a cheap price is always a good investment, so let’s also take a look at the company's future expectations. … KMPR’s optimistic future growth appears to have been factored into the current share price, with shares trading around its fair value.

Simply Wall St -

Kemper Corporation (NYSE:KMPR): An Investing Strategy To Help You Win

This is the best time to buy stocks like Kemper Corporation at a discount. … See our latest analysis for Kemper Kemper Corporation, a diversified insurance holding company, provides property and casualty, and life and health insurance to individuals and businesses in the United States. … Characteristics I value in a long term investment are proven in Kemper, and I can continue to sleep easy at night with the stock as part of my portfolio.

Simply Wall St -

Read This Before Buying Kemper Corporation (NYSE:KMPR) Shares

We've lost count of how many times insiders have accumulated shares in a company that goes on to improve markedly. … So we'll take a look at whether insiders have been buying or selling shares in Kemper Corporation (NYSE:KMPR). … While insider selling is not a positive sign, we can't be sure if it does mean insiders think the shares are fully valued, so it's only a weak sign

Simply Wall St -

A Note On Kemper Corporation's (NYSE:KMPR) ROE and Debt To Equity

With that in mind, this article will work through how we can use Return On Equity (ROE) to better understand a business. … That means that for every $1 worth of shareholders' equity, it generated $0.087 in profit. … Return on Equity = Net Profit ÷ Shareholders' Equity

Simply Wall St -

Could Kemper Corporation (NYSE:KMPR) Have The Makings Of Another Dividend Aristocrat?

Dividend paying stocks like Kemper Corporation (NYSE:KMPR) tend to be popular with investors, and for good reason - some research shows that a significant amount of all stock market returns come from reinvested dividends. … Unfortunately, one common occurrence with dividend companies is for investors to be enticed in by the seemingly attractive yield, and lose money when the company has to cut its dividend payments. … When buying stocks for their dividends, you should always run through the checks below, to see if the dividend looks sustainable.

Simply Wall St -

Is Now The Time To Put Kemper (NYSE:KMPR) On Your Watchlist?

How Quickly Is Kemper Increasing Earnings Per Share. … I like to see top-line growth as an indication that growth is sustainable, and I look for a high earnings before interest and taxation (EBIT) margin to point to a competitive moat (though some companies with low margins also have moats). … You can take a look at the company's revenue and earnings growth trend, in the chart below

Simply Wall St -

Do Directors Own Kemper Corporation (NYSE:KMPR) Shares?

If you want to know who really controls Kemper Corporation (NYSE:KMPR), then you'll have to look at the makeup of its share registry. … Generally speaking, as a company grows, institutions will increase their ownership. … institutions are noticeable on the share registry.

Simply Wall St -

Should You Worry About Kemper Corporation's (NYSE:KMPR) CEO Pay Cheque?

This report will, first, examine the CEO compensation levels in comparison to CEO compensation at companies of similar size. … How Does Joe Lacher's Compensation Compare With Similar Sized Companies. … Our data indicates that Kemper Corporation is worth US$5.0b, and total annual CEO compensation is US$4.9m.

Simply Wall St -

Should You Investigate Kemper Corporation (NYSE:KMPR) At US$83.48?

led the NYSE gainers with a relatively large price hike in the past couple of weeks. … With many analysts covering the mid-cap stock, we may expect any price-sensitive announcements have already been factored into the stock’s share price? … However, could the stock still be trading at a relatively cheap price.

Simply Wall St -

Don't Sell Kemper Corporation (NYSE:KMPR) Before You Read This

This article is for investors who would like to improve their understanding of price to earnings ratios (P/E ratios). … That corresponds to an earnings yield of approximately 4.0%. … Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS)

Simply Wall St -

Company Info

Description

Kemper Corporation, a diversified insurance holding company, provides property and casualty, and life and health insurance to individuals and businesses in the United States. It operates through three segments: Preferred Property & Casualty Insurance, Specialty Property & Casualty Insurance, and Life and Health Insurance. The company provides automobile, homeowners, renters, fire, umbrella, and other types of property and casualty insurance to individuals; and commercial automobile insurance to businesses. The company distributes its products through independent agents and brokers. The company also offers life insurance, including permanent and term insurance, as well as supplemental accident and health insurance products; Medicare supplement insurance; and limited health insurance coverages, such as fixed indemnity, specified disease, and accident-only plans to individuals in rural areas. The company was formerly known as Unitrin, Inc. and changed its name to Kemper Corporation in August 2011. Kemper Corporation was founded in 1990 and is headquartered in Chicago, Illinois.

Details
Name: Kemper Corporation
KMPR
Exchange: NYSE
Founded: 1990
$5,837,220,833
66,483,153
Website: http://www.kemper.com
Address: Kemper Corporation
200 East Randolph Street,
Suite 3300,
Chicago,
Illinois, 60601,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NYSE KMPR Common Shares New York Stock Exchange US USD 23. Apr 1990
DB UI2 Common Shares Deutsche Boerse AG DE EUR 23. Apr 1990
BOVESPA KMPR34 BDR EACH 1 REP 0.5 COM USD0.10 Bolsa de Valores de Sao Paulo BR BRL 17. May 2019
Number of employees
Current staff
Staff numbers
8,100
Kemper employees.
Industry
Property and Casualty Insurance
Insurance
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/06/25 23:56
End of day share price update: 2019/06/25 00:00
Last estimates confirmation: 2019/06/05
Last earnings filing: 2019/04/29
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.