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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.21
KMPR's Cash to Debt is ranked lower than
93% of the 170 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. KMPR: 0.21 )
Ranked among companies with meaningful Cash to Debt only.
KMPR' s Cash to Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.16 Max: N/A
Current: 0.21
Equity to Asset 0.25
KMPR's Equity to Asset is ranked higher than
51% of the 169 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.25 vs. KMPR: 0.25 )
Ranked among companies with meaningful Equity to Asset only.
KMPR' s Equity to Asset Range Over the Past 10 Years
Min: 0.18  Med: 0.26 Max: 0.33
Current: 0.25
0.18
0.33
Interest Coverage 0.76
KMPR's Interest Coverage is ranked lower than
100% of the 104 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 19.67 vs. KMPR: 0.76 )
Ranked among companies with meaningful Interest Coverage only.
KMPR' s Interest Coverage Range Over the Past 10 Years
Min: 0.93  Med: 1.75 Max: 7.26
Current: 0.76
0.93
7.26
F-Score: 5
WACC vs ROIC
9.81%
2.76%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 3.10
KMPR's Operating margin (%) is ranked lower than
73% of the 165 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.66 vs. KMPR: 3.10 )
Ranked among companies with meaningful Operating margin (%) only.
KMPR' s Operating margin (%) Range Over the Past 10 Years
Min: -3.28  Med: 7.56 Max: 14.76
Current: 3.1
-3.28
14.76
Net-margin (%) 2.76
KMPR's Net-margin (%) is ranked lower than
70% of the 169 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.32 vs. KMPR: 2.76 )
Ranked among companies with meaningful Net-margin (%) only.
KMPR' s Net-margin (%) Range Over the Past 10 Years
Min: -1.08  Med: 5.41 Max: 9.21
Current: 2.76
-1.08
9.21
ROE (%) 3.15
KMPR's ROE (%) is ranked lower than
77% of the 171 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.88 vs. KMPR: 3.15 )
Ranked among companies with meaningful ROE (%) only.
KMPR' s ROE (%) Range Over the Past 10 Years
Min: -1.5  Med: 7.35 Max: 12.75
Current: 3.15
-1.5
12.75
ROA (%) 0.84
KMPR's ROA (%) is ranked lower than
66% of the 171 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.86 vs. KMPR: 0.84 )
Ranked among companies with meaningful ROA (%) only.
KMPR' s ROA (%) Range Over the Past 10 Years
Min: -0.33  Med: 1.69 Max: 3.06
Current: 0.84
-0.33
3.06
Revenue Growth (3Y)(%) 2.70
KMPR's Revenue Growth (3Y)(%) is ranked lower than
51% of the 139 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.50 vs. KMPR: 2.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
KMPR' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -3.9  Med: 1.50 Max: 15.2
Current: 2.7
-3.9
15.2
EBITDA Growth (3Y)(%) 6.50
KMPR's EBITDA Growth (3Y)(%) is ranked higher than
58% of the 107 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.20 vs. KMPR: 6.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
KMPR' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -71.9  Med: 2.80 Max: 235.8
Current: 6.5
-71.9
235.8
EPS Growth (3Y)(%) 0.20
KMPR's EPS Growth (3Y)(%) is ranked lower than
57% of the 110 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.70 vs. KMPR: 0.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
KMPR' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -16  Med: 0.20 Max: 31.6
Current: 0.2
-16
31.6
» KMPR's 10-Y Financials

Financials (Next Earnings Date: 2016-08-04)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q2 2015

KMPR Guru Trades in Q2 2015

Jim Simons 15,900 sh (New)
Michael Price 10,000 sh (unchged)
» More
Q3 2015

KMPR Guru Trades in Q3 2015

Jeremy Grantham 21,300 sh (New)
Michael Price 10,000 sh (unchged)
Jim Simons 14,800 sh (-6.92%)
» More
Q4 2015

KMPR Guru Trades in Q4 2015

Paul Tudor Jones 5,576 sh (New)
Jim Simons 141,479 sh (+855.94%)
Jeremy Grantham 44,100 sh (+107.04%)
Michael Price 10,000 sh (unchged)
» More
Q1 2016

KMPR Guru Trades in Q1 2016

Michael Price 10,000 sh (unchged)
Paul Tudor Jones Sold Out
Jeremy Grantham 38,318 sh (-13.11%)
Jim Simons 106,000 sh (-25.08%)
» More
» Details

Insider Trades

Latest Guru Trades with KMPR

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Insurance » Insurance - Diversified
Compare:NYSE:GNW, NYSE:HMN, OTCPK:TPDKY, OTCPK:VNRFY, NYSE:GTS, OTCPK:CUII, NAS:ESGR, OTCPK:SUND, OTCPK:SYFHF, OTCPK:BLHEY, NYSE:ORI, NYSE:AIZ, OTCPK:MDBKY, OTCPK:DIISY, OTCPK:UNPLF, OTCPK:SZLMY, OTCPK:GJNSY, OTCPK:NNGPF, OTCPK:PWCDF, NYSE:AEG » details
Kemper Corp through its subsidiaries, provides automobile, homeowners, life, health, and other insurance products to individuals and businesses. It conducts its operations through two segments: Property & Casualty Insurance and Life & Health Insurance.

Kemper Corp was incorporated in Delaware in 1990. The Company is a diversified insurance holding company, with subsidiaries that provide automobile, homeowners, life, health, and other insurance products to individuals and businesses. The Company is engaged, through its subsidiaries, in the property and casualty insurance and life and health insurance businesses. The Company conducts its operations through two operating segments: Property & Casualty Insurance and Life & Health Insurance. The Company conducts its operations solely in the United States. The Property & Casualty Insurance segment provides automobile, homeowners, renters, fire, umbrella and other types of property and casualty insurance to individuals and commercial automobile insurance to businesses. Property insurance indemnifies an insured with an interest in physical property for loss of, or damage to, such property. Casualty insurance covers liability for damage to property of, or injury to, a person or entity other than the insured. The Property & Casualty Insurance segment distributes its products through independent agents and brokers who are paid commissions for their services. The Property & Casualty Insurance segment is headquartered in Chicago, Illinois, and conducts business in 47 states and the District of Columbia. The Company's Life & Health Insurance segment consists of its wholly-owned subsidiaries, United Insurance Company of America (United Insurance), The Reliable Life Insurance Company (Reliable), Union National Life Insurance Company (Union National Life), Mutual Savings Life Insurance Company (Mutual Savings Life), United Casualty Insurance Company of America (United Casualty), Union National Fire Insurance Company (Union National Fire), Mutual Savings Fire Insurance Company (Mutual Savings Fire) and Reserve National Insurance Company (Reserve National). The Company's insurance subsidiaries are subject to extensive regulation in the states in which it conducts business.

Ratios

vs
industry
vs
history
P/E(ttm) 25.52
KMPR's P/E(ttm) is ranked lower than
78% of the 159 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.67 vs. KMPR: 25.52 )
Ranked among companies with meaningful P/E(ttm) only.
KMPR' s P/E(ttm) Range Over the Past 10 Years
Min: 6.93  Med: 13.12 Max: 28
Current: 25.52
6.93
28
PE(NRI) 27.55
KMPR's PE(NRI) is ranked lower than
79% of the 154 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.59 vs. KMPR: 27.55 )
Ranked among companies with meaningful PE(NRI) only.
KMPR' s PE(NRI) Range Over the Past 10 Years
Min: 6.95  Med: 14.22 Max: 35.49
Current: 27.55
6.95
35.49
Price/Owner Earnings (ttm) 8.23
KMPR's Price/Owner Earnings (ttm) is ranked higher than
55% of the 82 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.05 vs. KMPR: 8.23 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
KMPR' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.63  Med: 13.53 Max: 136.4
Current: 8.23
3.63
136.4
P/B 0.86
KMPR's P/B is ranked higher than
68% of the 175 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.07 vs. KMPR: 0.86 )
Ranked among companies with meaningful P/B only.
KMPR' s P/B Range Over the Past 10 Years
Min: 0.33  Med: 0.89 Max: 1.58
Current: 0.86
0.33
1.58
P/S 0.72
KMPR's P/S is ranked higher than
62% of the 173 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.01 vs. KMPR: 0.72 )
Ranked among companies with meaningful P/S only.
KMPR' s P/S Range Over the Past 10 Years
Min: 0.19  Med: 0.78 Max: 1.21
Current: 0.72
0.19
1.21
PFCF 6.98
KMPR's PFCF is ranked higher than
53% of the 92 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.32 vs. KMPR: 6.98 )
Ranked among companies with meaningful PFCF only.
KMPR' s PFCF Range Over the Past 10 Years
Min: 5.63  Med: 16.52 Max: 53.85
Current: 6.98
5.63
53.85
POCF 6.79
KMPR's POCF is ranked higher than
51% of the 112 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.83 vs. KMPR: 6.79 )
Ranked among companies with meaningful POCF only.
KMPR' s POCF Range Over the Past 10 Years
Min: 5.47  Med: 12.71 Max: 182.63
Current: 6.79
5.47
182.63
EV-to-EBIT 11.29
KMPR's EV-to-EBIT is ranked lower than
73% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.21 vs. KMPR: 11.29 )
Ranked among companies with meaningful EV-to-EBIT only.
KMPR' s EV-to-EBIT Range Over the Past 10 Years
Min: 1.2  Med: 7.30 Max: 16.1
Current: 11.29
1.2
16.1
EV-to-EBITDA 9.68
KMPR's EV-to-EBITDA is ranked lower than
73% of the 134 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.50 vs. KMPR: 9.68 )
Ranked among companies with meaningful EV-to-EBITDA only.
KMPR' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0.7  Med: 6.40 Max: 14.8
Current: 9.68
0.7
14.8
Shiller P/E 14.39
KMPR's Shiller P/E is ranked lower than
57% of the 23 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.37 vs. KMPR: 14.39 )
Ranked among companies with meaningful Shiller P/E only.
KMPR' s Shiller P/E Range Over the Past 10 Years
Min: 2.99  Med: 11.65 Max: 16.71
Current: 14.39
2.99
16.71

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.78
KMPR's Dividend Yield is ranked lower than
78% of the 248 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.42 vs. KMPR: 2.78 )
Ranked among companies with meaningful Dividend Yield only.
KMPR' s Dividend Yield Range Over the Past 10 Years
Min: 2.32  Med: 3.38 Max: 22.54
Current: 2.78
2.32
22.54
Dividend Payout 0.77
KMPR's Dividend Payout is ranked lower than
71% of the 131 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.49 vs. KMPR: 0.77 )
Ranked among companies with meaningful Dividend Payout only.
KMPR' s Dividend Payout Range Over the Past 10 Years
Min: 0.08  Med: 0.51 Max: 24
Current: 0.77
0.08
24
Forward Dividend Yield 2.78
KMPR's Forward Dividend Yield is ranked lower than
81% of the 234 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.76 vs. KMPR: 2.78 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.97
KMPR's Yield on cost (5-Year) is ranked lower than
84% of the 254 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.62 vs. KMPR: 2.97 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
KMPR' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.47  Med: 3.61 Max: 24.04
Current: 2.97
2.47
24.04
3-Year Average Share Buyback Ratio 4.20
KMPR's 3-Year Average Share Buyback Ratio is ranked higher than
86% of the 80 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.40 vs. KMPR: 4.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
KMPR' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.6  Med: 2.10 Max: 4.5
Current: 4.2
-0.6
4.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.03
KMPR's Price/Tangible Book is ranked higher than
61% of the 169 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.25 vs. KMPR: 1.03 )
Ranked among companies with meaningful Price/Tangible Book only.
KMPR' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.55  Med: 1.21 Max: 1.9
Current: 1.03
0.55
1.9
Price/Projected FCF 0.70
KMPR's Price/Projected FCF is ranked lower than
62% of the 65 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.58 vs. KMPR: 0.70 )
Ranked among companies with meaningful Price/Projected FCF only.
KMPR' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.24  Med: 0.87 Max: 1.91
Current: 0.7
0.24
1.91
Price/Median PS Value 0.93
KMPR's Price/Median PS Value is ranked higher than
50% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.93 vs. KMPR: 0.93 )
Ranked among companies with meaningful Price/Median PS Value only.
KMPR' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.36  Med: 1.29 Max: 1.96
Current: 0.93
0.36
1.96
Price/Peter Lynch Fair Value 2.43
KMPR's Price/Peter Lynch Fair Value is ranked lower than
100% of the 24 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.67 vs. KMPR: 2.43 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
KMPR' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.25  Med: 0.86 Max: 20.56
Current: 2.43
0.25
20.56
Price/Graham Number 1.12
KMPR's Price/Graham Number is ranked lower than
66% of the 142 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.91 vs. KMPR: 1.12 )
Ranked among companies with meaningful Price/Graham Number only.
KMPR' s Price/Graham Number Range Over the Past 10 Years
Min: 0.48  Med: 0.92 Max: 2.72
Current: 1.12
0.48
2.72
Earnings Yield (Greenblatt) (%) 8.84
KMPR's Earnings Yield (Greenblatt) (%) is ranked lower than
59% of the 166 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.00 vs. KMPR: 8.84 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
KMPR' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 6.2  Med: 13.65 Max: 80.1
Current: 8.84
6.2
80.1
Forward Rate of Return (Yacktman) (%) 17.00
KMPR's Forward Rate of Return (Yacktman) (%) is ranked higher than
51% of the 51 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 17.00 vs. KMPR: 17.00 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
KMPR' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -32.3  Med: 5.10 Max: 62.6
Current: 17
-32.3
62.6

More Statistics

Revenue (TTM) (Mil) $2,453
EPS (TTM) $ 1.35
Beta1.05
Short Percentage of Float4.65%
52-Week Range $23.51 - 41.65
Shares Outstanding (Mil)51.13
» More Articles for NYSE:KMPR

Headlines

Articles On GuruFocus.com
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