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KMPR

Kemper NYSE:KMPR Stock Report

Last Price

US$44.93

Market Cap

US$2.9b

7D

1.5%

1Y

-39.2%

Updated

24 Jun, 2022

Data

Company Financials +
KMPR fundamental analysis
Snowflake Score
Valuation2/6
Future Growth3/6
Past Performance0/6
Financial Health1/6
Dividends4/6

KMPR Stock Overview

Kemper Corporation, a diversified insurance holding company, provides property and casualty, and life and health insurance in the United States.

Kemper Competitors

 

 

 

 

 

 

 

 

 

 

 

 

Price History & Performance

Summary of all time highs, changes and price drops for Kemper
Historical stock prices
Current Share PriceUS$44.93
52 Week HighUS$75.16
52 Week LowUS$43.69
Beta0.79
1 Month Change-11.54%
3 Month Change-18.43%
1 Year Change-39.21%
3 Year Change-47.93%
5 Year Change16.40%
Change since IPO183.02%

Recent News & Updates

May 09
Kemper (NYSE:KMPR) Has Announced A Dividend Of US$0.31

Kemper (NYSE:KMPR) Has Announced A Dividend Of US$0.31

The board of Kemper Corporation ( NYSE:KMPR ) has announced that it will pay a dividend on the 31st of May, with...

Shareholder Returns

KMPRUS InsuranceUS Market
7D1.5%2.2%4.0%
1Y-39.2%-1.0%-20.5%

Return vs Industry: KMPR underperformed the US Insurance industry which returned -1% over the past year.

Return vs Market: KMPR underperformed the US Market which returned -20.5% over the past year.

Price Volatility

Is KMPR's price volatile compared to industry and market?
KMPR volatility
KMPR Average Weekly Movement5.5%
Insurance Industry Average Movement5.0%
Market Average Movement7.9%
10% most volatile stocks in US Market16.5%
10% least volatile stocks in US Market3.1%

Stable Share Price: KMPR is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: KMPR's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
199010,300Joe Lacherhttps://www.kemper.com

Kemper Corporation, a diversified insurance holding company, provides property and casualty, and life and health insurance in the United States. The company operates through three segments: Specialty Property & Casualty Insurance, Preferred Property & Casualty Insurance, and Life & Health Insurance. It provides automobile, homeowners, renters, fire, umbrella, general liability, and various other property and casualty insurance to individuals, as well as commercial automobile insurance to businesses.

Kemper Fundamentals Summary

How do Kemper's earnings and revenue compare to its market cap?
KMPR fundamental statistics
Market CapUS$2.87b
Earnings (TTM)-US$338.40m
Revenue (TTM)US$5.84b

0.5x

P/S Ratio

-8.5x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
KMPR income statement (TTM)
RevenueUS$5.84b
Cost of RevenueUS$4.86b
Gross ProfitUS$970.30m
Other ExpensesUS$1.31b
Earnings-US$338.40m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)-5.30
Gross Margin16.63%
Net Profit Margin-5.80%
Debt/Equity Ratio40.8%

How did KMPR perform over the long term?

See historical performance and comparison

Dividends

2.8%

Current Dividend Yield

-23%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

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

Valuation Score

2/6

Valuation Score 2/6

  • Price-To-Book vs Peers

  • Price-To-Book vs Industry

  • Price-To-Book vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

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/Revenue0.7x
Enterprise Value/EBITDA-19.6x
PEG Ration/a

Price to Book Ratio vs Peers

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

KMPR PB Ratio vs 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 Average1.2x

Price-To-Book vs Peers: KMPR is good value based on its Price-To-Book Ratio (0.8x) compared to the peer average (1.2x).


Price to Earnings Ratio vs Industry

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

Price-To-Book vs Industry: KMPR is good value based on its Price-To-Book Ratio (0.8x) compared to the US Insurance industry average (1x)


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 Ratio0.8x
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 ($44.93) is trading above our estimate of fair value ($21.29)

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


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate KMPR's PEG Ratio to determine if it is good value.


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Future Growth

How is Kemper forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?

Future Growth Score

3/6

Future Growth Score 3/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


108.7%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: KMPR is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (1.9%).

Earnings vs Market: KMPR is forecast to become profitable over the next 3 years, which is considered above average market growth.

High Growth Earnings: KMPR is expected to become profitable in the next 3 years.

Revenue vs Market: KMPR's revenue (3.4% per year) is forecast to grow slower than the US market (8.3% per year).

High Growth Revenue: KMPR's revenue (3.4% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: KMPR's Return on Equity is forecast to be low in 3 years time (9.5%).


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Past Performance

How has Kemper performed over the past 5 years?

Past Performance Score

0/6

Past Performance Score 0/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


1.7%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: KMPR is currently unprofitable.

Growing Profit Margin: KMPR is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: KMPR is unprofitable, but has reduced losses over the past 5 years at a rate of 1.7% per year.

Accelerating Growth: Unable to compare KMPR's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: KMPR is unprofitable, making it difficult to compare its past year earnings growth to the Insurance industry (-2.6%).


Return on Equity

High ROE: KMPR has a negative Return on Equity (-9.97%), as it is currently unprofitable.


Discover strong past performing companies

Financial Health

How is Kemper's financial position?

Financial Health Score

1/6

Financial Health Score 1/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: KMPR's short term assets ($2.3B) do not cover its short term liabilities ($2.7B).

Long Term Liabilities: KMPR's short term assets ($2.3B) do not cover its long term liabilities ($8.6B).


Debt to Equity History and Analysis

Debt Level: KMPR's net debt to equity ratio (24.9%) is considered satisfactory.

Reducing Debt: KMPR's debt to equity ratio has increased from 37.8% to 40.8% over the past 5 years.

Debt Coverage: KMPR's debt is not well covered by operating cash flow (13.9%).

Interest Coverage: Insufficient data to determine if KMPR's interest payments on its debt are well covered by EBIT.


Balance Sheet


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Dividend

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

Dividend Score

4/6

Dividend Score 4/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


2.76%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: KMPR's dividend (2.76%) is higher than the bottom 25% of dividend payers in the US market (1.62%).

High Dividend: KMPR's dividend (2.76%) is low compared to the top 25% of dividend payers in the US market (4.34%).


Stability and Growth of Payments

Stable Dividend: KMPR's dividends per share have been stable in the past 10 years.

Growing Dividend: KMPR's dividend payments have increased over the past 10 years.


Earnings Payout to Shareholders

Earnings Coverage: KMPR is paying a dividend but the company is unprofitable.


Cash Payout to Shareholders

Cash Flow Coverage: With its reasonable cash payout ratio (62.1%), KMPR's dividend payments are covered by cash flows.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

6.1yrs

Average management tenure


CEO

Joe Lacher (52 yo)

6.58yrs

Tenure

US$8,222,255

Compensation

Mr. Joseph Patrick Lacher, also known as Joe, Jr, has been the President, Chief Executive Officer and Director of Kemper Corporation since November 11, 2015. He is Non-Executive Chairman of Kemper Corporat...


CEO Compensation Analysis

Compensation vs Market: Joe's total compensation ($USD8.22M) is about average for companies of similar size in the US market ($USD6.92M).

Compensation vs Earnings: Joe's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: KMPR's management team is seasoned and experienced (6.1 years average tenure).


Board Members

Experienced Board: KMPR's board of directors are considered experienced (5.8 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Kemper Corporation's employee growth, exchange listings and data sources


Key Information

  • Name: Kemper Corporation
  • Ticker: KMPR
  • Exchange: NYSE
  • Founded: 1990
  • Industry: Property and Casualty Insurance
  • Sector: Insurance
  • Implied Market Cap: US$2.867b
  • Shares outstanding: 63.80m
  • Website: https://www.kemper.com

Number of Employees


Location

  • Kemper Corporation
  • 200 East Randolph Street
  • Suite 3300
  • Chicago
  • Illinois
  • 60601
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/24 00:00
End of Day Share Price2022/06/24 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


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.