Kemper Corp

  • Earnings Score
  • Safety Score
  • Market Cap $4.05B
  • PE 13
  • Debt $1.84B
  • Cash $65.40M
  • EV $5.83B
  • FCF $329.70M

Earnings

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Sales & Net Margins

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Earnings$312.50M
ROE11%
FCF$329.70M
Equity$2.79B
Growth Stability-111%
PE12.98
PEG-2.11
PB1.45
P/FCF12.3
P/S0.87
Price/Cash0.02
Debt/Equity0.66
Debt/FCF5.59
Net Margins7%
Earnings CAGR4%
Sales Growth YoY-0%
Sales Growth QoQ1%
Sales CAGR10%
FCF CAGR-1%
Equity CAGR4%
Earnings Stability0.04
Earnings Growth YoY87%
Earnings Growth QoQ33%
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$4.05B
Revenue$4.64B
Dividend Yield2%
Payout Ratio26%
Assets$12.63B
Total Debt$1.84B
Cash$65.40M
Shares Outstanding63.13M
EV5.83B
Earnings Score6%
Safety Score53%
Shares Growth 3y-0%
Equity Growth QoQ1%
Equity Growth YoY11%

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.

= $3B
012345678910TV
fcf$330M$326M$322M$318M$315M$311M$307M$304M$300M$297M$293M$2.9B
DCF$296M$266M$239M$215M$193M$174M$156M$140M$126M$113M$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.

Years12/201512/201612/201712/201812/201912/202012/202112/202212/202312/2024TTM
Net Margins4%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%

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.

Years12/201512/201612/201712/201812/201912/202012/202112/202212/202312/2024TTM
Debt over FCF---1.981.732.973.83-5.75-7.395.595.59
Debt over Equity0.380.380.280.310.20.260.280.570.550.660.66
Growth Stability---100%100%100%-33%-111%---111%

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.

Years12/201512/201612/201712/201812/201912/202012/202112/202212/202312/2024CAGR 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%