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. The last earnings update was 57 days ago. More info.
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KMPR Share Price and Events
7 Day Returns
1 Year Returns
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
Related Companies
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.
Below are the data sources, inputs and calculation used to determine the intrinsic value for Kemper.
| 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.
| 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.
| 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 |
| 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
Current Discount Checks
- 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?
| 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.
| 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?
| 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 .
| 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?
| 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 |
| 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.
Value checks
We assess Kemper's value by looking at:- 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. )
- Is the PE ratio less than the market average, and/ or less than the Insurance industry average (and greater than 0)? (2 checks)
- Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
- Is the PB ratio less than the Insurance industry average (and greater than 0)? (1 check) 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!
Earnings growth vs Low Risk Savings
- 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
| 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
| 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 |
| 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 |
| 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.
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.
| 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 |
| 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.
Future performance checks
We assess Kemper's future performance by looking at:- Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
- Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
- Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
- Is the annual earnings growth rate expected to be above 20%? (1 check)
- Is the annual revenue growth rate expected to be above 20%? (1 check)
- Is the Return on Equity in 3 years expected to be over 20%? (1 check)
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
Past Earnings growth analysis
- 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
All data from Kemper Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.
| 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).
Past performance checks
We assess Kemper's performance over the past 5 years by checking for:- Has earnings increased in past 5 years? (1 check)
- Has the earnings growth in the last year exceeded that of the Insurance industry? (1 check)
- Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
- Is the Return on Equity (ROE) higher than 20%? (1 check)
- Is the Return on Assets (ROA) above industry average? (1 check)
- Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
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.
- 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
Assets
Liabilities and shares
- 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.
All data from Kemper Company Filings, last reported 2 months ago.
| 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).
Financial health checks
We assess Kemper's financial health by checking for:- Are short term assets greater than short term liabilities? (1 check)
- Are short term assets greater than long term liabilities? (1 check)
- Has the debt to equity ratio increased in the past 5 years? (1 check)
- Is the debt to equity ratio over 40%? (1 check)
- Is the debt covered by operating cash flow? (1 check)
- Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check) Kemper has a total score of 4/6, see the detailed checks below.
- Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
- 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
If you bought
$2,000 of
Kemper
shares you are expected to receive
$23
in your first year as a dividend.
Dividend Amount
- 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.
| 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.
| 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 |
| 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.
Income/ dividend checks
We assess Kemper's dividend by checking for:- Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
- Is current dividend yield above the bottom 25% of dividend payers? (1 check)
- Is current dividend yield above the top 25% of dividend payers? (1 check)
- Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
- If they have paid a dividend for 10 years has it increased in this time? (1 check)
- 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) 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
CEO
| 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:
- The tenure for the Kemper management team is about average.
Management Team
Joe Lacher
President
$7M
49
3.6 yrs
Jim McKinney
Senior VP & CFO
$2M
38
2.6 yrs
John Boschelli
Senior VP & Chief Investment Officer
$2M
49
10.1 yrs
Duane Sanders
Senior VP and President of Property & Casualty Division
$5M
61
Mark Green
Senior VP and President of Life & Health Division
$2M
50
Charles Brooks
Senior Vice President of Operations & Systems
$1M
51
2.3 yrs
Rich Roeske
VP & Chief Accounting Officer
$1M
57
19.8 yrs
Tom Evans
Senior VP
59
4.1 yrs
Barbara Ciesemier
Assistant Vice President of Corporate Communications
1.4 yrs
Dennis Sandelski
Vice President of Tax & Corporate Development
57
9.1 yrs
Board of Directors Tenure
Average tenure and age of the Kemper board of directors in years:
- The tenure for the Kemper board of directors is about average.
Board of Directors
Bob Joyce
Non-Executive Chairman
$306K
70
3.6 yrs
Joe Lacher
President
$7M
49
3.6 yrs
Sohail Ali
Executive Director
0.1 yrs
Christopher Sarofim
Director
$192K
55
6.1 yrs
George Cochran
Director
$219K
63
4.3 yrs
Kathleen Cronin
Director
$209K
54
4.3 yrs
Teresa Canida
Director
$44K
64
0.9 yrs
Doug G. Geoga
Director
$201K
62
19.3 yrs
David Storch
Director
$196K
65
9.1 yrs
Lacy Johnson
Director
$188K
65
2.8 yrs
Who owns this company?
Recent Insider Transactions
| Announced | Type | Name | Entity | Role | Start | End | Shares | Max Price ($) | 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 | ||
Management checks
We assess Kemper's management by checking for:- Is the CEO's compensation unreasonable compared to market cap? (1 check)
- Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
- Is the average tenure of the management team less than 2 years? (1 check)
- Is the average tenure of the board of directors team less than 3 years? (1 check) 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 - – Full articleKemper 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 - – Full articleRead 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 - – Full articleA 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 - – Full articleCould 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 - – Full articleIs 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 - – Full articleDo 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 - – Full articleShould 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 - – Full articleShould 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 - – Full articleDon'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 - – Full articleCompany 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
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.
