Kemper Corp

Finance
Property-Casualty Insurers
www.kemper.com

Earnings Score
Safety Score

Market Cap $3.89B
PE 12
Debt $1.84B
Cash $65.40M
EV $5.66B
FCF $329.70M

Earnings

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Sales & Net Margins

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Earnings	$312.50M
ROE	11%
FCF	$329.70M
Equity	$2.79B
Growth Stability	-111%
PE	12.44
PEG	-2.02
PB	1.39
P/FCF	11.79
P/S	0.84
Price/Cash	0.02
Debt/Equity	0.66
Debt/FCF	5.59
Net Margins	7%
Earnings CAGR	4%
Sales Growth YoY	-0%
Sales Growth QoQ	1%
Sales CAGR	10%
FCF CAGR	-1%
Equity CAGR	4%
Earnings Stability	0.04
Earnings Growth YoY	87%
Earnings Growth QoQ	33%

Earnings CAGR 5Y	-6%
Sales CAGR 5Y	-2%
FCF CAGR 5Y	-4%
Equity CAGR 5Y	-13%
Earnings CAGR 3Y	-9%
Sales CAGR 3Y	-9%
Equity CAGR 3Y	-2%
Market Cap	$3.89B
Revenue	$4.64B
Dividend Yield	2%
Payout Ratio	26%
Assets	$12.63B
Total Debt	$1.84B
Cash	$65.40M
Shares Outstanding	63.13M
EV	5.66B
Earnings Score	6%
Safety Score	53%
Shares Growth 3y	-0%
Equity Growth QoQ	1%
Equity Growth YoY	11%

Assets & ROA

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Stockholders Equity & ROE

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Kemper Corp is a diversified insurance company that provides services in property and casualty insurance, along with life and health insurance. The company's property and casualty segment offers personal and commercial lines for home and automotive products. It conducts its operations through three operating segments: Specialty Property & Casualty Insurance, Preferred Property & Casualty Insurance, and Life & Health Insurance.

SEC Filings

Direct access to Kemper Corp (KMPR) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Kemper Corp compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Kemper Corp compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 4%

Stability 4%

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Kemper Corp Discounted Cash Flow

Fully customizable DCF calculator online for Kemper Corp.

Years

Calculation mode

= $3B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$330M	$326M	$322M	$318M	$314M	$310M	$306M	$302M	$298M	$295M	$291M	$2.9B
DCF		$296M	$266M	$239M	$214M	$192M	$173M	$155M	$139M	$125M	$112M	$1.1B
Value	$3B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Net Margins	4%	1%	4%	5%	11%	8%	-2%	-5%	-6%	7%	7%
ROA	-	0%	2%	2%	5%	4%	-1%	-2%	-1%	-	-
ROE	-	1%	6%	6%	13%	9%	-3%	-12%	-11%	11%	11%

Bad Net Margins (6.74%)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Debt over FCF	-	-	-	1.98	1.73	2.97	3.83	-5.75	-7.39	5.59	5.59
Debt over Equity	0.38	0.38	0.28	0.31	0.2	0.26	0.28	0.57	0.55	0.66	0.66
Growth Stability	-	-	-	100%	100%	100%	-33%	-111%	-	-	-111%

Bad Debt/FCF ratio (5.59)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Good Debt/Equity ratio (0.66)

The company is not overleveraged and has a good balance between equity and debt.

Bad Graham’s Stability (-111%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	CAGR 5Y
Revenue YoY growth	-	8%	8%	37%	35%	3%	11%	-4%	-11%	-6%	-2%
Earnings YoY growth	-	-80%	620%	57%	179%	-23%	-130%	143%	-10%	-215%	-6%
Equity YoY growth	-	-1%	7%	44%	30%	15%	-12%	-39%	3%	11%	-13%
FCF YoY growth	-	-	-	131%	-5%	-12%	-26%	-182%	-22%	-275%	-4%