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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.15
NYSE:KMPR's Cash-to-Debt is ranked lower than
96% of the 166 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. NYSE:KMPR: 0.15 )
Ranked among companies with meaningful Cash-to-Debt only.
NYSE:KMPR' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.21 Max: N/A
Current: 0.15
Equity-to-Asset 0.24
NYSE:KMPR's Equity-to-Asset is ranked higher than
51% of the 166 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.24 vs. NYSE:KMPR: 0.24 )
Ranked among companies with meaningful Equity-to-Asset only.
NYSE:KMPR' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.19  Med: 0.25 Max: 0.31
Current: 0.24
0.19
0.31
Interest Coverage 0.04
NYSE:KMPR's Interest Coverage is ranked lower than
100% of the 164 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. NYSE:KMPR: 0.04 )
Ranked among companies with meaningful Interest Coverage only.
NYSE:KMPR' s Interest Coverage Range Over the Past 10 Years
Min: 0.04  Med: 0.95 Max: 3.47
Current: 0.04
0.04
3.47
Piotroski F-Score: 6
WACC vs ROIC
14.45%
0.55%
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 % 0.14
NYSE:KMPR's Operating Margin % is ranked lower than
84% of the 158 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.66 vs. NYSE:KMPR: 0.14 )
Ranked among companies with meaningful Operating Margin % only.
NYSE:KMPR' s Operating Margin % Range Over the Past 10 Years
Min: -3.28  Med: 6.13 Max: 12.96
Current: 0.14
-3.28
12.96
Net Margin % 0.67
NYSE:KMPR's Net Margin % is ranked lower than
80% of the 166 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.25 vs. NYSE:KMPR: 0.67 )
Ranked among companies with meaningful Net Margin % only.
NYSE:KMPR' s Net Margin % Range Over the Past 10 Years
Min: -1.08  Med: 4.71 Max: 8.97
Current: 0.67
-1.08
8.97
ROE % 0.82
NYSE:KMPR's ROE % is ranked lower than
83% of the 166 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.74 vs. NYSE:KMPR: 0.82 )
Ranked among companies with meaningful ROE % only.
NYSE:KMPR' s ROE % Range Over the Past 10 Years
Min: -1.5  Med: 5.18 Max: 10.13
Current: 0.82
-1.5
10.13
ROA % 0.20
NYSE:KMPR's ROA % is ranked lower than
80% of the 166 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.74 vs. NYSE:KMPR: 0.20 )
Ranked among companies with meaningful ROA % only.
NYSE:KMPR' s ROA % Range Over the Past 10 Years
Min: -0.33  Med: 1.39 Max: 2.78
Current: 0.2
-0.33
2.78
3-Year Revenue Growth Rate 5.00
NYSE:KMPR's 3-Year Revenue Growth Rate is ranked lower than
51% of the 139 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.70 vs. NYSE:KMPR: 5.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NYSE:KMPR' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -4  Med: 2.8 Max: 11.9
Current: 5
-4
11.9
3-Year EBITDA Growth Rate -34.10
NYSE:KMPR's 3-Year EBITDA Growth Rate is ranked lower than
90% of the 109 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.70 vs. NYSE:KMPR: -34.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NYSE:KMPR' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -34.1  Med: -2.7 Max: 54.4
Current: -34.1
-34.1
54.4
3-Year EPS without NRI Growth Rate -59.40
NYSE:KMPR's 3-Year EPS without NRI Growth Rate is ranked lower than
98% of the 107 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.00 vs. NYSE:KMPR: -59.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NYSE:KMPR' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -59.4  Med: -4.9 Max: 34.2
Current: -59.4
-59.4
34.2
GuruFocus has detected 5 Warning Signs with Kemper Corp $NYSE:KMPR.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NYSE:KMPR's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q2 2016

KMPR Guru Trades in Q2 2016

Michael Price 10,000 sh (unchged)
Jim Simons 102,300 sh (-3.49%)
Jeremy Grantham 13,933 sh (-63.64%)
» More
Q3 2016

KMPR Guru Trades in Q3 2016

Michael Price 10,000 sh (unchged)
Jeremy Grantham Sold Out
Jim Simons 54,100 sh (-47.12%)
» More
Q4 2016

KMPR Guru Trades in Q4 2016

Michael Price 10,000 sh (unchged)
Jim Simons Sold Out
» 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    NAICS: 524126    SIC: 6331
Compare:OTCPK:TPDKY, NYSE:GNW, OTCPK:DGRLY, NYSE:HMN, OTCPK:VNRFY, NAS:ESGR, NYSE:GTS, OTCPK:CUII, OTCPK:SUND, NYSE:AIZ, NYSE:ORI, OTCPK:DIISY, OTCPK:SNYFY, OTCPK:GJNSY, OTCPK:PWCDF, OTCPK:NNGPF, OTCPK:AEGOF, NYSE:HIG, OTCPK:BBSEY, OTCPK:MSADY » 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
PE Ratio 135.79
KMPR's PE Ratio is ranked lower than
99% of the 145 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.21 vs. KMPR: 135.79 )
Ranked among companies with meaningful PE Ratio only.
KMPR' s PE Ratio Range Over the Past 10 Years
Min: 6.93  Med: 13.34 Max: 140.78
Current: 135.79
6.93
140.78
PE Ratio without NRI 181.01
KMPR's PE Ratio without NRI is ranked lower than
99% of the 139 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.30 vs. KMPR: 181.01 )
Ranked among companies with meaningful PE Ratio without NRI only.
KMPR' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.95  Med: 14.45 Max: 187.71
Current: 181.01
6.95
187.71
Price-to-Owner-Earnings 11.21
KMPR's Price-to-Owner-Earnings is ranked lower than
56% of the 87 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.70 vs. KMPR: 11.21 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
KMPR' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.63  Med: 12.18 Max: 136.4
Current: 11.21
3.63
136.4
PB Ratio 1.12
KMPR's PB Ratio is ranked higher than
55% of the 170 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.26 vs. KMPR: 1.12 )
Ranked among companies with meaningful PB Ratio only.
KMPR' s PB Ratio Range Over the Past 10 Years
Min: 0.33  Med: 0.88 Max: 1.55
Current: 1.12
0.33
1.55
PS Ratio 0.86
KMPR's PS Ratio is ranked higher than
52% of the 168 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.91 vs. KMPR: 0.86 )
Ranked among companies with meaningful PS Ratio only.
KMPR' s PS Ratio Range Over the Past 10 Years
Min: 0.19  Med: 0.77 Max: 1.21
Current: 0.86
0.19
1.21
Price-to-Free-Cash-Flow 9.96
KMPR's Price-to-Free-Cash-Flow is ranked lower than
52% of the 97 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.90 vs. KMPR: 9.96 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
KMPR' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.63  Med: 13.35 Max: 62.62
Current: 9.96
5.63
62.62
Price-to-Operating-Cash-Flow 9.25
KMPR's Price-to-Operating-Cash-Flow is ranked lower than
56% of the 110 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.23 vs. KMPR: 9.25 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
KMPR' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.47  Med: 12.61 Max: 182.63
Current: 9.25
5.47
182.63
EV-to-EBIT 27.05
KMPR's EV-to-EBIT is ranked lower than
92% of the 128 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.03 vs. KMPR: 27.05 )
Ranked among companies with meaningful EV-to-EBIT only.
KMPR' s EV-to-EBIT Range Over the Past 10 Years
Min: 1.2  Med: 7.4 Max: 44.9
Current: 27.05
1.2
44.9
EV-to-EBITDA 22.41
KMPR's EV-to-EBITDA is ranked lower than
94% of the 130 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.27 vs. KMPR: 22.41 )
Ranked among companies with meaningful EV-to-EBITDA only.
KMPR' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0.7  Med: 6.4 Max: 31.9
Current: 22.41
0.7
31.9
Shiller PE Ratio 21.09
KMPR's Shiller PE Ratio is ranked lower than
75% of the 24 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 17.48 vs. KMPR: 21.09 )
Ranked among companies with meaningful Shiller PE Ratio only.
KMPR' s Shiller PE Ratio Range Over the Past 10 Years
Min: 3.01  Med: 11.6 Max: 21.87
Current: 21.09
3.01
21.87

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.22
KMPR's Dividend Yield % is ranked lower than
86% of the 286 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.26 vs. KMPR: 2.22 )
Ranked among companies with meaningful Dividend Yield % only.
KMPR' s Dividend Yield % Range Over the Past 10 Years
Min: 2.13  Med: 3.25 Max: 22.54
Current: 2.22
2.13
22.54
Dividend Payout Ratio 3.84
KMPR's Dividend Payout Ratio is ranked lower than
100% of the 132 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.43 vs. KMPR: 3.84 )
Ranked among companies with meaningful Dividend Payout Ratio only.
KMPR' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.26  Med: 0.62 Max: 3.84
Current: 3.84
0.26
3.84
Forward Dividend Yield % 2.19
KMPR's Forward Dividend Yield % is ranked lower than
86% of the 272 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.95 vs. KMPR: 2.19 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.22
KMPR's 5-Year Yield-on-Cost % is ranked lower than
99% of the 283 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.50 vs. KMPR: 2.22 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
KMPR' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.13  Med: 3.25 Max: 22.54
Current: 2.22
2.13
22.54
3-Year Average Share Buyback Ratio 2.70
KMPR's 3-Year Average Share Buyback Ratio is ranked higher than
86% of the 78 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.80 vs. KMPR: 2.70 )
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: 2.3 Max: 4.5
Current: 2.7
-0.6
4.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.35
KMPR's Price-to-Tangible-Book is ranked higher than
53% of the 161 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.48 vs. KMPR: 1.35 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
KMPR' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.76  Med: 1.4 Max: 1.9
Current: 1.35
0.76
1.9
Price-to-Intrinsic-Value-Projected-FCF 0.84
KMPR's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
61% of the 59 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.69 vs. KMPR: 0.84 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
KMPR' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.25  Med: 0.7 Max: 1.91
Current: 0.84
0.25
1.91
Price-to-Median-PS-Value 1.14
KMPR's Price-to-Median-PS-Value is ranked lower than
70% of the 155 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.00 vs. KMPR: 1.14 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
KMPR' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.47  Med: 1.31 Max: 1.84
Current: 1.14
0.47
1.84
Price-to-Graham-Number 3.29
KMPR's Price-to-Graham-Number is ranked lower than
96% of the 129 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.90 vs. KMPR: 3.29 )
Ranked among companies with meaningful Price-to-Graham-Number only.
KMPR' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.57  Med: 1 Max: 3.33
Current: 3.29
0.57
3.33
Earnings Yield (Greenblatt) % 3.72
KMPR's Earnings Yield (Greenblatt) % is ranked lower than
75% of the 164 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.80 vs. KMPR: 3.72 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
KMPR' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.2  Med: 13.6 Max: 80.1
Current: 3.72
2.2
80.1
Forward Rate of Return (Yacktman) % 3.95
KMPR's Forward Rate of Return (Yacktman) % is ranked lower than
76% of the 50 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 16.70 vs. KMPR: 3.95 )
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: -29.7  Med: 9.3 Max: 68.7
Current: 3.95
-29.7
68.7

More Statistics

Revenue (TTM) (Mil) $2,522
EPS (TTM) $ 0.32
Beta1.05
Short Percentage of Float2.92%
52-Week Range $26.37 - 45.95
Shares Outstanding (Mil)51.29
» More Articles for NYSE:KMPR

Headlines

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