Kemper Corporation 5.875% Fixed
Kemper Corporation 5.875% Fixed Fundamental Analysis
Kemper Corporation 5.875% Fixed (KMPB) shows weak financial fundamentals with a PE ratio of 12.75, profit margin of 2.99%, and ROE of 5.08%. The company generates $4.8B in annual revenue with weak year-over-year growth of -93.47%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -55.5/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze KMPB's fundamental strength across five key dimensions:
Efficiency Score
WeakKMPB struggles to generate sufficient returns from assets.
Valuation Score
ExcellentKMPB trades at attractive valuation levels.
Growth Score
WeakKMPB faces weak or negative growth trends.
Financial Health Score
ModerateKMPB shows balanced financial health with some risks.
Profitability Score
WeakKMPB struggles to sustain strong margins.
Key Financial Metrics
Is KMPB Expensive or Cheap?
P/E Ratio
KMPB trades at 12.75 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, KMPB's PEG of -0.30 indicates potential undervaluation.
Price to Book
The market values Kemper Corporation 5.875% Fixed at 0.68 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 6.26 times EBITDA. This is generally considered low.
How Well Does KMPB Make Money?
Net Profit Margin
For every $100 in sales, Kemper Corporation 5.875% Fixed keeps $2.99 as profit after all expenses.
Operating Margin
Core operations generate 3.36 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $5.08 in profit for every $100 of shareholder equity.
ROA
Kemper Corporation 5.875% Fixed generates $1.15 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Kemper Corporation 5.875% Fixed produces operating cash flow of $583.64M, showing steady but balanced cash generation.
Free Cash Flow
Kemper Corporation 5.875% Fixed generates strong free cash flow of $553.08M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $9.42 in free cash annually.
FCF Yield
KMPB converts 30.58% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.75
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.30
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.68
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.38
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.35
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.05
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How KMPB Stacks Against Its Sector Peers
| Metric | KMPB Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.75 | 18.73 | Better (Cheaper) |
| ROE | 5.08% | 847.00% | Weak |
| Net Margin | 2.99% | 3919.00% | Weak |
| Debt/Equity | 0.35 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 674.76 | Weak Liquidity |
| ROA | 1.15% | -21563.00% (disorted) | Weak |
KMPB outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Kemper Corporation 5.875% Fixed's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-93.47%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
-38.58%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
-26.96%
Industry Style: Value, Dividend, Cyclical
Declining