Kemper Corporation (KMPR), Discounted Cash Flow Valuation

Kemper Corporation (KMPR) Company Profile

US | Financial Services | Insurance - Property & Casualty | NYSE
56.71 -0.80 (-1.39%)
Real-Time Price (USD)
Market Cap A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
3.63B
Revenue (ttm) The total amount of income generated by the sale of goods or services related to the company's primary operations.
4.64B
Net Income (ttm) The company's earnings for a period net of operating costs, taxes and interest.
316.1M
Shares Out Total number of common shares outstanding as of the latest date disclosed in a financial filing.
64.63M
EPS (ttm) Company's net earnings or losses from continuing operations on a per diluted share basis.
4.91
PE Ratio The price-to-earnings (PE) ratio is the ratio between a company's stock price and earnings per share. It measures the price of a stock relative to its profits.
13.65
Dividend Yield Measures the cash returned to shareholders by a firm as a percentage of the price they pay for each share of stock.
1.88%
Exchange Name of stock exchange where the trading item trades.
NYSE
Avg Volume The average number of shares traded each day over the past 30 days.
448.17K
Open The opening trade price over the trading day.
57.87
Previous Close The last closing price.
57.51
Beta A ratio that measures the risk or volatility of a company's share price in comparison to the market as a whole.
1.05
1 day delta The range between the high and low prices over the past day.
56.68-58.5
52 weeks The range between the high and low prices over the past 52 weeks.
53.57-73.01

Total Valuation

Kemper Corporation has a market cap or net worth of 3.63B. The enterprise value is 4.96B.
Market Cap (ttm) Market Capitalization
A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
3.63B
Enterprise Value (ttm) Enterprise Value
Enterprise value measures the total value of a company's outstanding shares, adjusted for debt and levels of cash and short-term investments.
Enterprise Value = Market Cap + Total Debt - Cash & Equivalents - Short-Term Investments
4.96B

Valuation Ratios

The trailing PE ratio is 11.46. Kemper Corporation's PEG ratio is 0.66.
PE Ratio (ttm) PE Ratio
The price-to-earnings (P/E) ratio is a valuation metric that shows how expensive a stock is relative to earnings.
PE Ratio = Stock Price / Earnings Per Share
11.46
PS Ratio (ttm) PS Ratio
The price-to-sales (P/S) ratio is a commonly used valuation metric. It shows how expensive a stock is compared to revenue.
PS Ratio = Market Capitalization / Revenue
0.78
PB Ratio (ttm) PB Ratio
The price-to-book (P/B) ratio measures a stock's price relative to book value. Book value is also called Shareholders' equity.
PB Ratio = Market Capitalization / Shareholders' Equity
1.3
P/FCF Ratio (ttm) P/FCF Ratio
The price to free cash flow (P/FCF) ratio is similar to the P/E ratio, except it uses free cash flow instead of accounting earnings.
P/FCF Ratio = Market Capitalization / Free Cash Flow
9.48
PEG Ratio (ttm) PEG Ratio
The price/earnings to growth (PEG) ratio is calculated by dividing a company's PE ratio by its expected earnings growth.
PEG Ratio = PE Ratio / Expected Earnings Growth
0.66

Enterprise Valuation

The stock's EV/EBITDA ratio is 9.93, with a EV/FCF ratio of 12.95.
EV / Sales (ttm) EV / Sales Ratio
The enterprise value to sales (EV/Sales) ratio is similar to the price-to-sales ratio, but the price is adjusted for the company's debt and cash levels.
EV/Sales Ratio = Enterprise Value / Revenue
1.07
EV / EBITDA (ttm) EV / EBIT Ratio
The EV/EBITDA ratio measures a company's valuation relative to its EBITDA, or Earnings Before Interest, Taxes, Depreciation, and Amortization.
EV/EBITDA Ratio = Enterprise Value / EBITDA
9.93
EV / EBIT (ttm) EV/EBIT Ratio
The EV/EBIT is a valuation metric that measures a company's price relative to EBIT, or Earnings Before Interest and Taxes.
EV/EBIT Ratio = Enterprise Value / EBIT
12.95
EV / FCF (ttm) EV/FCF Ratio
The enterprise value to free cash flow (EV/FCF) ratio is similar to the price to free cash flow ratio, except the price is adjusted for the company's cash and debt.
EV/FCF Ratio = Enterprise Value / Free Cash Flow
12.95

Financial Efficiency

Return on equity (ROE) is 11.68% and return on invested capital (ROIC) is 4.29%.
Return on Equity (ROE) (ttm) Return on Equity (ROE)
Return on equity (ROE) is a profitability metric that shows how efficient a company is at using its equity (or "net" assets) to generate profits. It is calculated by dividing the company's net income by the average shareholders' equity over the past 12 months.
ROE = (Net Income / Average Shareholders' Equity) * 100%
11.68%
Return on Assets (ROA) (ttm) Return on Assets (ROA)
Return on assets (ROA) is a metric that measures how much profit a company is able to generate using its assets. It is calculated by dividing net income by the average total assets for the past 12 months.
ROA = (Net Income / Average Total Assets) * 100%
2.50%
Return on Capital (ROIC) (ttm) Return on Capital (ROIC)
Return on invested capital (ROIC) measures how effective a company is at investing its capital in order to increase profits. It is calculated by dividing the EBIT (Earnings Before Interest & Taxes) by the average invested capital in the previous year.
ROIC = (EBIT / Average Invested Capital) * 100%
4.29%
Asset Turnover Asset Turnover
The asset turnover ratio measures the amount of sales relative to a company's assets. It indicates how efficiently the company uses its assets to generate revenue.
Asset Turnover Ratio = Revenue / Average Assets
0.37
Inventory Turnover (ttm) Inventory Turnover
The inventory turnover ratio measures how many times inventory has been sold and replaced during a time period.
Inventory Turnover Ratio = Cost of Revenue / Average Inventory
0

Margins

Trailing 12 months gross margin is 100.00%, with operating and profit margins of 12.18% and 6.82%.
Gross Margin (ttm) Gross Margin
Gross margin is the percentage of revenue left as gross profits, after subtracting cost of goods sold from the revenue.
Gross Margin = (Gross Profit / Revenue) * 100%
100.00%
Operating Margin (ttm) Operating Margin
Operating margin is the percentage of revenue left as operating income, after subtracting cost of revenue and all operating expenses from the revenue.
Operating Margin = (Operating Income / Revenue) * 100%
12.18%
Pretax Margin (ttm) Pretax Margin
Pretax margin is the percentage of revenue left as profits before subtracting taxes.
Pretax Margin = (Pretax Income / Revenue) * 100%
8.38%
Profit Margin (ttm) Profit Margin
Profit margin is the percentage of revenue left as net income, or profits, after subtracting all costs and expenses from the revenue.
Profit Margin = (Net Income / Revenue) * 100%
6.82%
EBITDA Margin (ttm) EBITDA Margin
EBITDA margin is the percentage of revenue left as EBITDA, after subtracting all expenses except interest, taxes, depreciation and amortization from revenue.
EBITDA Margin = (EBITDA / Revenue) * 100%
10.76%

Income Statement

In the last 12 months, Kemper Corporation had revenue of 4.64B and earned 316.1M in profits. Earnings per share (EPS) was 4.91.
Revenue (ttm) Revenue
Revenue is the amount of money a company receives from its main business activities, such as sales of products or services. Revenue is also called sales.
4.64B
Gross Profit (ttm) Gross Profit
Gross profit is a company’s profit after subtracting the costs directly linked to making and delivering its products and services.
Gross Profit = Revenue - Cost of Revenue
4.64B
Operating Income (ttm) Operating Income
Operating income is the amount of profit in a company after paying for all the expenses related to its core operations.
Operating Income = Revenue - Cost of Revenue - Operating Expenses
564.6M
Pretax Income (ttm) Pretax Income
Pretax income is a company's profits before accounting for income taxes.
Pretax Income = Net Income + Income Taxes
388.5M
Net Income (ttm) Net Income
Net income is a company's accounting profits after subtracting all costs and expenses from the revenue. It is also called earnings, profits or "the bottom line"
Net Income = Revenue - All Expenses
316.1M
EBITDA (ttm) EBITDA
EBITDA stands for "Earnings Before Interest, Taxes, Depreciation and Amortization." It is a commonly used measure of profitability.
EBITDA = Net Income + Interest + Taxes + Depreciation and Amortization
499.1M
EBIT (ttm) EBIT
EBIT stands for "Earnings Before Interest and Taxes" and is a commonly used measure of earnings or profits. It is similar to operating income.
EBIT = Net Income + Interest + Taxes
445.4M
Earnings Per Share (EPS) (ttm) EPS (Diluted)
Earnings per share is the portion of a company's profit that is allocated to each individual stock. Diluted EPS is calculated by dividing net income by "diluted" shares outstanding.
Diluted EPS = Net Income / Shares Outstanding (Diluted)
4.91

Financial Position

The company has a trailing 12 months (ttm) current ratio of 2.51, with a ttm Debt / Equity ratio of 0.5.
Current Ratio (ttm) Current Ratio
The current ratio is used to measure a company's short-term liquidity. A low number can indicate that a company will have trouble paying its upcoming liabilities.
Current Ratio = Current Assets / Current Liabilities
2.51
Quick Ratio (ttm) Quick Ratio
The quick ratio measure a company's short-term liquidity. A low number indicates that the company may have trouble paying its upcoming financial obligations.
Quick Ratio = (Cash + Short-Term Investments + Accounts Receivable) / Current Liabilities
2.51
Debt / Equity (ttm) Debt / Equity Ratio
The debt-to-equity ratio measures a company's debt levels relative to its shareholders' equity or book value. A high ratio implies that a company has a lot of debt.
Debt / Equity Ratio = Total Debt / Shareholders' Equity
0.5
Debt / EBIT (ttm) Debt / EBIT Ratio
The debt-to-EBIT ratio is a company's debt levels relative to its trailing twelve-month EBIT. A high ratio implies that debt is high relative to the company's earnings.
Debt / EBIT Ratio = Total Debt / EBIT (ttm)
0.69

Dividends & Yields

This stock pays an annual dividend of 1.25, which amounts to a dividend yield of 2.20%.
Dividend Per Share (ttm) Dividend Per Share
Total amount paid to each outstanding share in dividends during the period.
1.25
Dividend Yield (ttm) Dividend Yield
The dividend yield is how much a stock pays in dividends each year, as a percentage of the stock price.
Dividend Yield = (Annual Dividends Per Share / Stock Price) * 100%
2.20%
Earnings Yield (ttm) Earnings Yield
The earnings yield is a valuation metric that measures a company's profits relative to stock price, expressed as a percentage yield. It is the inverse of the P/E ratio.
Earnings Yield = (Earnings Per Share / Stock Price) * 100%
8.73%
FCF Yield (ttm) FCF Yield
The free cash flow (FCF) yield measures a company's free cash flow relative to its price, shown as a percentage. It is the inverse of the P/FCF ratio.
FCF Yield = (Free Cash Flow / Market Cap) * 100%
10.55%
Dividend Growth (YoY) Dividend Growth
The change in dividend payments per share, compared to the previous period.
Dividend Growth = ((Current Dividend / Previous Dividend) - 1) * 100%
-0.24%
Payout Ratio (ttm) Payout Ratio
The payout ratio is the percentage of a company's profits that are paid out as dividends. A high ratio implies that the dividend payments may not be sustainable.
Payout Ratio = (Dividends Per Share / Earnings Per Share) * 100%
25.34%

Balance Sheet

The company has 65.4M in cash and 1.39B in debt, giving a net cash position of -1.33B.
Cash & Cash Equivalents Cash & Cash Equivalents
Cash and cash equivalents is the sum of "Cash & Equivalents" and "Short-Term Investments." This is the amount of money that a company has quick access to, assuming that the cash equivalents and short-term investments can be sold at a short notice.
Cash & Cash Equivalents = Cash & Equivalents + Short-Term Investments
65.4M
Total Debt Total Debt
Total debt is the total amount of liabilities categorized as "debt" on the balance sheet. It includes both current and long-term (non-current) debt.
Total Debt = Current Debt + Long-Term Debt
1.39B
Net Cash Net Cash / Debt
Net Cash / Debt is an indicator of the financial position of a company. It is calculated by taking the total amount of cash and cash equivalents and subtracting the total debt.
Net Cash / Debt = Total Cash - Total Debt
-1.33B
Book Value Shareholders' Equity
Shareholders’ equity is also called book value or net worth. It can be seen as the amount of money held by investors inside the company. It is calculated by subtracting all liabilities from all assets.
Shareholders' Equity = Total Assets - Total Liabilities
2.79B
Book Value Per Share (ttm) Book Value Per Share
Book value per share is the total amount of book value attributable to each individual stock. It is calculated by dividing book value (shareholders' equity) by the number of outstanding shares.
Book Value Per Share = Book Value / Shares Outstanding
43.6
Working Capital (ttm) Working Capital
Working capital is the amount of money available to a business to conduct its day-to-day operations. It is calculated by subtracting total current liabilities from total current assets.
Working Capital = Current Assets - Current Liabilities
680.9M

Cash Flow

In the last 12 months, operating cash flow of the company was 382.9M and capital expenditures 0, giving a free cash flow of 382.9M.
Operating Cash Flow (ttm) Operating Cash Flow
Operating cash flow, also called cash flow from operating activities, measures the amount of cash that a company generates from normal business activities. It is the amount of cash left after all cash income has been received, and all cash expenses have been paid.
382.9M
Capital Expenditures (ttm) Capital Expenditures
Capital expenditures are also called payments for property, plants and equipment. It measures cash spent on long-term assets that will be used to run the business, such as manufacturing equipment, real estate and others.
0
Free Cash Flow (ttm) Free Cash Flow
Free cash flow is the cash remaining after the company spends on everything required to maintain and grow the business. It is calculated by subtracting capital expenditures from operating cash flow.
Free Cash Flow = Operating Cash Flow - Capital Expenditures
382.9M
FCF Per Share (ttm) Free Cash Flow Per Share
Free cash flow per share is the amount of free cash flow attributed to each outstanding stock.
FCF Per Share = Free Cash Flow / Shares Outstanding
6

Kemper Corporation News

Apr 7, 2025 - zacks.com
Why Kemper (KMPR) is a Top Dividend Stock for Your Portfolio
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Kemper (KMPR) have what it takes?...[read more]
Feb 12, 2025 - businesswire.com
Kemper Completes Redemption of $450 Million of 4.350% Senior Notes Due 2025
CHICAGO--(BUSINESS WIRE)--Kemper Corporation (NYSE: KMPR) announced today that it has completed the previously announced redemption of its $450 million of 4.350% Senior Notes due 2025 using available cash. About Kemper The Kemper family of companies is one of the nation's leading specialized insurers. With approximately $13 billion in assets, Kemper is improving the world of insurance by providing affordable and easy-to-use personalized solutions to individuals, families and businesses through....[read more]
Feb 6, 2025 - seekingalpha.com
Better EPS Than Expected, And Immune To The Tariff Storm, Kemper Is A Buy
Kemper Corporation's significant restructuring and exit from the Preferred Property and Casualty Insurance business are expected to enhance financial flexibility and FCF growth from 2025 to 2031. Stock repurchases and a robust repurchase plan are likely to increase demand for KMPR shares, potentially driving up the stock price. Inorganic growth through acquisitions in the U.S. insurance market is anticipated to further boost KMPR's free cash flow and overall financial performance....[read more]
Feb 5, 2025 - seekingalpha.com
Kemper Corporation (KMPR) Q4 2024 Earnings Call Transcript
Kemper Corporation (NYSE:KMPR ) Q4 2024 Earnings Conference Call February 5, 2024 5:00 PM ET Company Participants Michael Marinaccio - Vice President, Corporate Development Joe Lacher - President & Chief Executive Officer Brad Camden - Executive Vice President & Chief Financial Officer Matt Hunton - Executive Vice President & President, Kemper Auto Conference Call Participants Gregory Peters - Raymond James Brian Meredith - UBS Andrew Kligerman - TD Cowen Paul Newsome - Piper Sandler Operator Go...[read more]
Feb 5, 2025 - zacks.com
Kemper (KMPR) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates
The headline numbers for Kemper (KMPR) give insight into how the company performed in the quarter ended December 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals....[read more]
Feb 5, 2025 - zacks.com
Kemper (KMPR) Beats Q4 Earnings and Revenue Estimates
Kemper (KMPR) came out with quarterly earnings of $1.78 per share, beating the Zacks Consensus Estimate of $1.38 per share. This compares to earnings of $0.78 per share a year ago....[read more]
Feb 5, 2025 - businesswire.com
Kemper Reports Fourth Quarter 2024 Operating Results*
CHICAGO--(BUSINESS WIRE)--Kemper Corporation (NYSE: KMPR) reported net income of $97.4 million, or $1.51 per diluted share, for the fourth quarter of 2024, compared to net income of $51.4 million, or $0.80 per diluted share, for the fourth quarter of 2023. Adjusted Consolidated Net Operating Income1 was $115.1 million, or $1.78 per diluted share, for the fourth quarter of 2024, compared to Adjusted Consolidated Net Operating Income1 of $50.5 million, or $0.78 per diluted share, for the fourth q....[read more]
Feb 5, 2025 - businesswire.com
Kemper Announces Dividend Increase
CHICAGO--(BUSINESS WIRE)--Kemper Corporation (NYSE: KMPR) announced today that its Board of Directors has declared an increase in the company's quarterly dividend to $0.32 per share, an increase of 3.1% or one cent over the previous quarterly dividend. The new annual dividend amount is $1.28 per share, as compared to the current dividend amount of $1.24 per share. “This dividend increase underscores our confidence in achieving consistent, long-term growth for our shareholders,” said Kemper Pres....[read more]
Jan 22, 2025 - businesswire.com
Kemper Announces Schedule for Fourth Quarter 2024 Earnings Release
CHICAGO--(BUSINESS WIRE)--Kemper Corporation (NYSE: KMPR) today announced that after the markets close on Wednesday, February 5, Kemper intends to issue its fourth quarter 2024 earnings release and financial supplement. The company expects to file its annual report on Form 10-K with the Securities and Exchange Commission shortly thereafter. Following their publication, these documents will be available in the investor section of kemper.com. Catastrophe Losses – First Quarter 2025 Wildfires Kemp....[read more]
Jan 22, 2025 - businesswire.com
The Kemper Foundation Donates $125,000 to Support California Wildfire Relief for Latino Communities
CHICAGO--(BUSINESS WIRE)--The Kemper Foundation announced today a donation of $125,000 to the Latino Community Foundation's (LCF) California Wildfire Relief Fund to support relief and recovery efforts for Latino communities affected by the devastating California wildfires. The donation reflects The Kemper Foundation's ongoing commitment to underserved communities, and the donation aims to address the disproportionate impact of disasters on Latino families and neighborhoods. “The Kemper Foundati....[read more]

Kemper Corporation Details

Country US
City Chicago
Address 200 East Randolph Street
Ticker Symbol KMPR
Exchange New York Stock Exchange
IPO Date Apr 23, 1990
CEO Mr. Joseph Patrick Lacher Jr.
Sector Financial Services
Industry Insurance - Property & Casualty
Employees 7.4K

Kemper Corporation Company Description

Kemper Corporation, a diversified insurance holding company, provides property and casualty, and life and health insurance in the United States. The company operates through three segments: Specialty Property & Casualty Insurance, Preferred Property & Casualty Insurance, and Life & Health Insurance. It provides automobile, homeowners, renters, fire, umbrella, general liability, and various other property and casualty insurance to individuals, as well as commercial automobile insurance to businesses. The company also offers life insurance, including permanent and term insurance, as well as supplemental accident and health insurance products; and Medicare supplement insurance, fixed hospital indemnity, home health care, specified disease, and accident-only plans to individuals in rural, suburban, and urban areas. It distributes its products through independent agents and brokers. The company was formerly known as Unitrin, Inc. and changed its name to Kemper Corporation in August 2011. Kemper Corporation was incorporated in 1990 and is headquartered in Chicago, Illinois.

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