We’ve recently updated our valuation analysis.

Kemper Valuation

Is KMPR undervalued compared to its fair value, analyst forecasts and its price relative to the market?

[object Object] Score

0/6

Valuation Score 0/6

  • Price-To-Book vs Peers

  • Price-To-Book vs Industry

  • Price-To-Book vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for KMPR?

Other financial metrics that can be useful for relative valuation.

KMPR key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue0.9x
Enterprise Value/EBITDA-22.6x
PEG Ration/a

Price to Book Ratio vs Peers

How does KMPR's PB Ratio compare to its peers?

The above table shows the PB ratio for KMPR vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPBEstimated GrowthMarket Cap
Peer Average1.3x
WTM White Mountains Insurance Group
0.9xn/aUS$3.4b
AGO Assured Guaranty
0.8x-4.8%US$4.0b
AXS AXIS Capital Holdings
1.3x42.9%US$4.9b
THG Hanover Insurance Group
2.3x32.1%US$5.2b
KMPR Kemper
1.5x110.6%US$3.6b

Price-To-Book vs Peers: KMPR is expensive based on its Price-To-Book Ratio (1.5x) compared to the peer average (1.3x).


Price to Earnings Ratio vs Industry

How does KMPR's PE Ratio compare vs other companies in the US Insurance Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a23.0%
n/an/an/a

Price-To-Book vs Industry: KMPR is expensive based on its Price-To-Book Ratio (1.5x) compared to the US Insurance industry average (1.3x)


Price to Book Ratio vs Fair Ratio

What is KMPR's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

KMPR PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio1.5x
Fair PB Ration/a

Price-To-Book vs Fair Ratio: Insufficient data to calculate KMPR's Price-To-Book Fair Ratio for valuation analysis.


Share Price vs Fair Value

What is the Fair Price of KMPR when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: KMPR ($56.99) is trading above our estimate of fair value ($26.41)

Significantly Below Fair Value: KMPR is trading above our estimate of fair value.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst KMPR forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$56.99
US$61.00
+7.0%
24.1%US$85.00US$44.00n/a5
Nov ’23US$47.45
US$60.50
+27.5%
28.3%US$85.00US$44.00n/a4
Oct ’23US$41.26
US$61.25
+48.4%
26.9%US$85.00US$44.00n/a4
Sep ’23US$46.00
US$61.25
+33.2%
26.9%US$85.00US$44.00n/a4
Aug ’23US$46.37
US$64.75
+39.6%
24.0%US$85.00US$44.00n/a4
Jul ’23US$49.10
US$64.75
+31.9%
24.0%US$85.00US$44.00n/a4
Jun ’23US$51.69
US$64.75
+25.3%
24.0%US$85.00US$44.00n/a4
May ’23US$46.16
US$66.75
+44.6%
25.3%US$90.00US$44.00n/a4
Apr ’23US$57.30
US$74.33
+29.7%
16.5%US$90.00US$60.00n/a3
Mar ’23US$52.66
US$74.33
+41.2%
16.5%US$90.00US$60.00n/a3
Feb ’23US$52.70
US$76.33
+44.8%
16.2%US$90.00US$60.00n/a3
Jan ’23US$58.79
US$77.25
+31.4%
11.6%US$90.00US$65.00n/a4
Dec ’22US$53.57
US$77.25
+44.2%
11.6%US$90.00US$65.00US$56.054
Nov ’22US$63.96
US$77.25
+20.8%
11.6%US$90.00US$65.00US$47.454
Oct ’22US$68.24
US$80.75
+18.3%
7.0%US$90.00US$75.00US$41.264
Sep ’22US$68.15
US$80.75
+18.5%
7.0%US$90.00US$75.00US$46.004
Aug ’22US$66.01
US$83.75
+26.9%
5.9%US$90.00US$78.00US$46.374
Jul ’22US$74.68
US$91.25
+22.2%
1.4%US$93.00US$90.00US$49.104
Jun ’22US$74.25
US$91.25
+22.9%
1.4%US$93.00US$90.00US$51.694
May ’22US$78.06
US$92.50
+18.5%
1.9%US$95.00US$90.00US$46.164
Apr ’22US$81.14
US$91.00
+12.2%
2.8%US$95.00US$88.00US$57.304
Mar ’22US$77.37
US$88.50
+14.4%
2.6%US$91.00US$85.00US$52.664
Feb ’22US$72.54
US$88.25
+21.7%
2.3%US$90.00US$85.00US$52.704
Jan ’22US$76.83
US$87.25
+13.6%
2.2%US$90.00US$85.00US$58.794
Dec ’21US$75.47
US$87.25
+15.6%
2.2%US$90.00US$85.00US$53.574

Analyst Forecast: Target price is less than 20% higher than the current share price.


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