KMPR Stock Overview
Kemper Corporation, a diversified insurance holding company, provides property and casualty, and life and health insurance in the United States.
Price History & Performance
|Historical stock prices|
|Current Share Price||US$44.93|
|52 Week High||US$75.16|
|52 Week Low||US$43.69|
|1 Month Change||-11.54%|
|3 Month Change||-18.43%|
|1 Year Change||-39.21%|
|3 Year Change||-47.93%|
|5 Year Change||16.40%|
|Change since IPO||183.02%|
Recent News & Updates
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...
|KMPR||US Insurance||US Market|
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.
|KMPR Average Weekly Movement||5.5%|
|Insurance Industry Average Movement||5.0%|
|Market Average Movement||7.9%|
|10% most volatile stocks in US Market||16.5%|
|10% least volatile stocks in US Market||3.1%|
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
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
|KMPR fundamental statistics|
Is KMPR overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|KMPR income statement (TTM)|
|Cost of Revenue||US$4.86b|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||-5.30|
|Net Profit Margin||-5.80%|
How did KMPR perform over the long term?See historical performance and comparison
2.8%Current Dividend Yield
Is KMPR undervalued compared to its fair value, analyst forecasts and its price relative to the market?
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
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.
|What is KMPR's n/a Ratio?|
Price to Book Ratio vs Peers
How does KMPR's PB Ratio compare to its peers?
|KMPR PB Ratio vs Peers|
|Company||PB||Estimated Growth||Market Cap|
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.
|Current PB Ratio||0.8x|
|Fair PB Ratio||n/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.
Discover undervalued companies
How is Kemper forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
Future Growth Score3/6
Future Growth Score 3/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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%).
Discover growth companies
How has Kemper performed over the past 5 years?
Past Performance Score0/6
Past Performance Score 0/6
Growing Profit Margin
Earnings vs Industry
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
How is Kemper's financial position?
Financial Health Score1/6
Financial Health Score 1/6
Short Term Liabilities
Long Term Liabilities
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 ($8.6B).
Debt to Equity History and Analysis
Debt Level: KMPR's net debt to equity ratio (24.9%) is considered satisfactory.
Reducing Debt: KMPR's debt to equity ratio has increased from 37.8% to 40.8% over the past 5 years.
Debt Coverage: KMPR's debt is not well covered by operating cash flow (13.9%).
Interest Coverage: Insufficient data to determine if KMPR's interest payments on its debt are well covered by EBIT.
Discover healthy companies
What is Kemper current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: KMPR's dividend (2.76%) is higher than the bottom 25% of dividend payers in the US market (1.62%).
High Dividend: KMPR's dividend (2.76%) is low compared to the top 25% of dividend payers in the US market (4.34%).
Stability and Growth of Payments
Stable Dividend: KMPR's dividends per share have been stable in the past 10 years.
Growing Dividend: KMPR's dividend payments have increased over the past 10 years.
Earnings Payout to Shareholders
Earnings Coverage: KMPR is paying a dividend but the company is unprofitable.
Cash Payout to Shareholders
Cash Flow Coverage: With its reasonable cash payout ratio (62.1%), KMPR's dividend payments are covered by cash flows.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Joe Lacher (52 yo)
Mr. Joseph Patrick Lacher, also known as Joe, Jr, has been the President, Chief Executive Officer and Director of Kemper Corporation since November 11, 2015. He is Non-Executive Chairman of Kemper Corporat...
CEO Compensation Analysis
Compensation vs Market: Joe's total compensation ($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.
Experienced Management: KMPR's management team is seasoned and experienced (6.1 years average tenure).
Experienced Board: KMPR's board of directors are considered experienced (5.8 years average tenure).
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
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Kemper Corporation's employee growth, exchange listings and data sources
- 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
- Kemper Corporation
- 200 East Randolph Street
- Suite 3300
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/24 00:00|
|End of Day Share Price||2022/06/24 00:00|
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.