A Business at a Glance
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KEMPER Corp
KMPB
$1.5B
Mkt Cap
$24.35
+0.50%
KEMPER Corp (KMPB) has a current P/E ratio of 5.0, compared to its historical median P/E of 4.4. The stock is currently considered Expensive based on its historical valuation range.
KEMPER Corp (KMPB) has a 5-year average return on invested capital (ROIC) of -6.4%. This is below average and may indicate limited pricing power.
KEMPER Corp (KMPB) has a market capitalization of $1.4B. It is classified as a small-cap stock.
Yes, KEMPER Corp (KMPB) pays a dividend with a trailing twelve-month yield of 5.42%. The company also returns capital through share buybacks, with a buyback yield of 20.80%.
Based on historical P/E analysis, KEMPER Corp (KMPB) appears expensive. The current P/E of 5.0 is 13% above its historical median of 4.4. The estimated fair value CAGR (P/E method) is 43.2%.
KEMPER Corp (KMPB) operates in the Fire, Marine & Casualty Insurance industry, within the Financials sector.
KEMPER Corp (KMPB) reported annual revenue of $4.8 billion in its most recent fiscal year, based on SEC EDGAR filings.
Kemper is an insurance holding company that offers complementary insurance products, through its subsidiaries, including personal and commercial automobile insurance to consumers in targeted markets and industries. Kemper also offers life and other insurance solutions to customers who desire basic protection for themselves and their families. Kemper’s annual reports on Form 10-K, quarterly reports on Form 10‑Q, current reports on Form 8-K and amendments thereto are accessible free of charge through Kemper’s website, kemper.com, and as soon as reasonably practicable after such materials are filed with, or furnished to, the SEC, which also maintains an Internet site at sec.gov that contains reports, proxy and information statements, and other information regarding issuers that file electronically with the SEC. Registrant is a holding company incorporated under the laws of the State of Delaware in 1990, with equity securities traded on the New York Stock Exchange (the “NYSE”).
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 4.7B | 4.8B | 4.6B | 4.9B | 5.5B | 5.7B |
| Net Income | 42M | 143M | 318M | -272M | -287M | -124M |
| EPS | $0.63 | $2.29 | $4.91 | $-4.25 | $-4.50 | $-1.92 |
| Free Cash Flow | 459M | 554M | 330M | -188M | -241M | 293M |
| ROIC | 0.0% | 3.9% | 8.3% | -9.9% | -30.2% | -4.1% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.36 | 0.35 | 0.50 | 0.55 | 5.75 | -1.32 |
| Dividends/Share | $1.32 | $1.28 | $1.24 | $1.24 | $1.24 | $1.24 |
| Operating Income | 0 | 161M | 389M | -69M | -167M | -334M |
| Operating Margin | 0.0% | 3.4% | 8.4% | -1.4% | -3.0% | -5.8% |
| ROE | 1.6% | 5.2% | 12.0% | -19.8% | 94.2% | -6.7% |
| Shares Outstanding | 59M | 63M | 65M | 64M | 64M | 64M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 2.2B | 2.3B | 2.5B | 2.7B | 3.7B | 5.0B | 5.2B | 5.7B | 5.5B | 4.9B | 4.6B | 4.8B | 4.7B |
| Gross Margin | 42.6% | 37.3% | 29.4% | 32.5% | 33.8% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| EBIT | 136M | 85M | 3.1M | 119M | 286M | 519M | 547M | -334M | -167M | -69M | 389M | 161M | 0 |
| Op. Margin | 6.2% | 3.6% | 0.1% | 4.4% | 7.7% | 10.3% | 10.5% | -5.8% | -3.0% | -1.4% | 8.4% | 3.4% | 0.0% |
| Net Income | 115M | 86M | 17M | 121M | 190M | 531M | 410M | -124M | -287M | -272M | 318M | 143M | 42M |
| Net Margin | 5.2% | 3.7% | 0.7% | 4.4% | 5.1% | 10.5% | 7.9% | -2.2% | -5.2% | -5.5% | 6.9% | 3.0% | 0.9% |
| Non-Recurring | 55M | 11M | 0 | 0 | 4.5M | 14M | 20M | 0 | 0 | 50M | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 4.2% | 3.1% | 0.6% | 4.4% | 5.7% | 12.2% | 7.8% | -4.1% | -30.2% | -9.9% | 8.3% | 3.9% | 0.0% |
| ROE | 5.5% | 4.2% | 0.8% | 5.9% | 7.4% | 15.1% | 9.6% | -6.7% | 94.2% | -19.8% | 12.0% | 5.2% | 1.6% |
| ROA | 1.5% | 1.1% | 0.2% | 1.5% | 1.9% | 4.3% | 3.0% | -0.8% | -2.0% | -2.1% | 2.5% | 1.1% | 0.3% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 134M | 215M | 241M | 241M | 539M | 534M | 448M | 351M | -210M | -134M | 383M | 585M | 493M |
| Free Cash Flow | 132M | 213M | 238M | 205M | 474M | 450M | 395M | 293M | -241M | -188M | 330M | 554M | 459M |
| Owner Earnings | 104M | 180M | 216M | 207M | 339M | 476M | 387M | 267M | -299M | -222M | 300M | 481M | 393M |
| CapEx | 2.1M | 1.8M | 2.2M | 36M | 65M | 84M | 53M | 58M | 31M | 54M | 53M | 31M | 34M |
| Maint. CapEx | 23M | 29M | 20M | 24M | 182M | 33M | 36M | 46M | 71M | 59M | 54M | 74M | 73M |
| Growth CapEx | 0 | 0 | 0 | 11M | 0 | 51M | 17M | 11M | 0 | 0 | 0 | 0 | 0 |
| D&A | 23M | 29M | 20M | 24M | 182M | 33M | 36M | 46M | 71M | 59M | 54M | 74M | 73M |
| CapEx/OCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13.9% | N/A | 6.9% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 52M | 50M | 49M | 50M | 56M | 68M | 79M | 81M | 80M | 80M | 80M | 80M | 78M |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6.7% | 7.6% | 6.0% | N/A | 5.4% |
| Share Buybacks | 114M | 45M | 3.8M | 0 | 0 | 0 | 110M | 162M | 0 | 0 | 39M | 302M | 298M |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2.8% | 0.0% | 20.8% |
| Stock-Based Comp | 6.4M | 6.5M | 4.7M | 9.4M | 19M | 25M | 25M | 37M | 18M | 29M | 29M | 29M | 27M |
| Debt Repayment | 0 | 259M | 0 | 360M | 215M | 185M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -4.1B | -4.3B | -4.5B | -4.8B | 589M | 171M | -6.6B | -7.0B | -5.7B | -5.6B | -5.1B | -5.9B | 555M |
| Cash & Equiv. | 76M | 162M | 116M | 46M | 75M | 137M | 206M | 148M | 212M | 64M | 65M | 126M | 389M |
| Long-Term Debt | 752M | 751M | 752M | 592M | 909M | 778M | 1.2B | 1.1B | 1.4B | 1.4B | 942M | 944M | 944M |
| Debt/Equity | 0.36 | 0.38 | 0.38 | 0.28 | 0.31 | 0.20 | 0.26 | -1.32 | 5.75 | 0.55 | 0.50 | 0.35 | 0.36 |
| Interest Coverage | 2.9 | 1.8 | 0.1 | 3.4 | 6.6 | 12.2 | 15.2 | -7.7 | -3.0 | -1.2 | 6.8 | 4.2 | 4.2 |
| Equity | 2.1B | 2.0B | 2.0B | 2.1B | 3.1B | 4.0B | 4.6B | -850M | 241M | 2.5B | 2.8B | 2.7B | 2.6B |
| Total Assets | 7.8B | 8.0B | 8.2B | 8.4B | 11.5B | 13.0B | 14.3B | 14.9B | 13.3B | 12.7B | 12.6B | 12.5B | 12.4B |
| Total Liabilities | 5.7B | 6.0B | 6.2B | 6.3B | 8.5B | 9.0B | 9.8B | 10.9B | 10.6B | 10.2B | 9.8B | 9.8B | 9.8B |
| Intangibles | N/A | N/A | N/A | 133M | 261M | 328M | 320M | 293M | 267M | 269M | 266M | 227M | 227M |
| Retained Earnings | 1.2B | 1.2B | 1.2B | 1.2B | 1.4B | 1.8B | 2.1B | 1.8B | 1.4B | 1.0B | 1.2B | 1.2B | 1.1B |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 2.12 | 1.65 | 0.33 | 2.33 | 3.22 | 7.96 | 6.14 | -1.92 | -4.50 | -4.25 | 4.91 | 2.29 | 0.63 |
| Owner EPS | 1.93 | 3.46 | 4.25 | 3.99 | 5.74 | 7.14 | 5.80 | 4.15 | -4.69 | -3.46 | 4.63 | 7.68 | 6.67 |
| Book Value | 38.71 | 38.36 | 38.80 | 40.77 | 51.66 | 59.54 | 68.36 | -13.19 | 3.79 | 39.13 | 43.08 | 42.85 | 45.05 |
| Cash Flow/Share | 2.47 | 4.14 | 4.72 | 4.64 | 9.13 | 8.01 | 6.71 | 5.44 | -3.30 | -2.10 | 5.92 | 9.34 | 1.96 |
| Dividends/Share | 0.96 | 0.96 | 0.96 | 0.96 | 0.96 | 1.03 | 1.20 | 1.24 | 1.24 | 1.24 | 1.24 | 1.28 | 1.32 |
| Shares Out. | 54.0M | 51.9M | 50.9M | 51.9M | 59.0M | 66.7M | 66.8M | 64.4M | 63.7M | 64.0M | 64.7M | 62.6M | 58.8M |
| Valuation | |||||||||||||
| P/E Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4.4 | N/A | 38.8 |
| P/FCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4.2 | N/A | 3.1 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7.1 | N/A | N/A |
| Price/Book | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.4 | 0.5 | 0.5 | N/A | 0.5 |
| Price/Sales | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.2 | 0.2 | 0.3 | N/A | 0.3 |
| FCF Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -24.7% | -16.5% | 23.6% | N/A | 32.1% |
| Market Cap | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 976M | 1.1B | 1.4B | 0 | 1.4B |
| Avg. Price | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18.69 | 16.50 | 20.54 | 0.00 | 24.35 |
| Year-End Price | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15.32 | 17.79 | 21.57 | 0.00 | 24.35 |
KEMPER Corp passes 4 of 9 quality checks, suggesting mixed fundamentals.
KEMPER Corp trades at 5.0x trailing earnings, compared to its 15-year median P/E of 4.4x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 4.8x vs a median of 4.2x. Total shareholder yield (dividends + buybacks) is 26.2%. At current prices, the estimated annualized return to fair value is +107.4%.
KEMPER Corp (KMPB) has a net profit margin of 3.0%. This is a modest margin.
KEMPER Corp (KMPB) generated $554 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
KEMPER Corp (KMPB) has a debt-to-equity ratio of 0.35. This indicates a conservatively financed balance sheet.
KEMPER Corp (KMPB) reported earnings per share (EPS) of $2.29 in its most recent fiscal year.
KEMPER Corp (KMPB) has a return on equity (ROE) of 5.2%. This indicates moderate shareholder returns.
The Ledger Terminal provides 16 years of financial data for KEMPER Corp (KMPB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
KEMPER Corp (KMPB) has a book value per share of $42.85, based on its most recent annual SEC filing.
No recent press releases.