Kemper Corporation
Kemper Corporation Fundamental Analysis
Kemper Corporation (KMPR) shows weak financial fundamentals with a PE ratio of 41.32, profit margin of 0.89%, and ROE of 1.52%. The company generates $4.7B in annual revenue with moderate year-over-year growth of 3.62%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 34.0/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze KMPR's fundamental strength across five key dimensions:
Efficiency Score
WeakKMPR struggles to generate sufficient returns from assets.
Valuation Score
ModerateKMPR shows balanced valuation metrics.
Growth Score
WeakKMPR faces weak or negative growth trends.
Financial Health Score
ModerateKMPR shows balanced financial health with some risks.
Profitability Score
ModerateKMPR maintains healthy but balanced margins.
Key Financial Metrics
Is KMPR Expensive or Cheap?
P/E Ratio
KMPR trades at 41.32 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, KMPR's PEG of -0.47 indicates potential undervaluation.
Price to Book
The market values Kemper Corporation at 0.65 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 29.38 times EBITDA. This signals the market has high growth expectations.
How Well Does KMPR Make Money?
Net Profit Margin
For every $100 in sales, Kemper Corporation keeps $0.89 as profit after all expenses.
Operating Margin
Core operations generate 0.70 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $1.52 in profit for every $100 of shareholder equity.
ROA
Kemper Corporation generates $0.34 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Kemper Corporation produces operating cash flow of $493.91M, showing steady but balanced cash generation.
Free Cash Flow
Kemper Corporation produces free cash flow of $460.07M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $7.81 in free cash annually.
FCF Yield
KMPR converts 26.77% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
41.32
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.47
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.65
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.37
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.36
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.02
vs 25 benchmark
ROA
Return on assets percentage
0.003
vs 25 benchmark
ROCE
Return on capital employed
0.003
vs 25 benchmark
How KMPR Stacks Against Its Sector Peers
| Metric | KMPR Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 41.32 | 18.88 | Worse (Expensive) |
| ROE | 1.52% | 801.00% | Weak |
| Net Margin | 0.89% | 2213.00% | Weak |
| Debt/Equity | 0.36 | 1.03 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 615.97 | Weak Liquidity |
| ROA | 0.34% | -19854.00% (disorted) | Weak |
KMPR outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Kemper Corporation's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-1.88%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
-63.00%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
38.10%
Industry Style: Value, Dividend, Cyclical
High Growth