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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 0.22
KMPR's Cash to Debt is ranked lower than
93% of the 163 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. KMPR: 0.22 )
Ranked among companies with meaningful Cash to Debt only.
KMPR' s Cash to Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.12 Max: N/A
Current: 0.22
Equity to Asset 0.25
KMPR's Equity to Asset is ranked higher than
54% of the 160 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.23 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 0.93
KMPR's Interest Coverage is ranked lower than
95% of the 137 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10000.00 vs. KMPR: 0.93 )
Ranked among companies with meaningful Interest Coverage only.
KMPR' s Interest Coverage Range Over the Past 10 Years
Min: 0.57  Med: 1.75 Max: 6.92
Current: 0.93
0.57
6.92
F-Score: 7
WACC vs ROIC
8.80%
3.39%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 4.28
KMPR's Operating margin (%) is ranked lower than
56% of the 158 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.58 vs. KMPR: 4.28 )
Ranked among companies with meaningful Operating margin (%) only.
KMPR' s Operating margin (%) Range Over the Past 10 Years
Min: -3.28  Med: 7.82 Max: 15.14
Current: 4.28
-3.28
15.14
Net-margin (%) 3.56
KMPR's Net-margin (%) is ranked lower than
56% of the 161 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.74 vs. KMPR: 3.56 )
Ranked among companies with meaningful Net-margin (%) only.
KMPR' s Net-margin (%) Range Over the Past 10 Years
Min: -1.08  Med: 6.30 Max: 9.91
Current: 3.56
-1.08
9.91
ROE (%) 4.06
KMPR's ROE (%) is ranked lower than
65% of the 161 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.15 vs. KMPR: 4.06 )
Ranked among companies with meaningful ROE (%) only.
KMPR' s ROE (%) Range Over the Past 10 Years
Min: -1.5  Med: 9.07 Max: 12.75
Current: 4.06
-1.5
12.75
ROA (%) 1.05
KMPR's ROA (%) is ranked lower than
53% of the 161 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.97 vs. KMPR: 1.05 )
Ranked among companies with meaningful ROA (%) only.
KMPR' s ROA (%) Range Over the Past 10 Years
Min: -0.33  Med: 2.04 Max: 3.06
Current: 1.05
-0.33
3.06
Revenue Growth (3Y)(%) -0.40
KMPR's Revenue Growth (3Y)(%) is ranked lower than
68% of the 117 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.10 vs. KMPR: -0.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
KMPR' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -4  Med: 2.90 Max: 11.9
Current: -0.4
-4
11.9
EBITDA Growth (3Y)(%) 22.60
KMPR's EBITDA Growth (3Y)(%) is ranked higher than
71% of the 92 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.40 vs. KMPR: 22.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
KMPR' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -12.20 Max: 43.8
Current: 22.6
0
43.8
EPS Growth (3Y)(%) 26.80
KMPR's EPS Growth (3Y)(%) is ranked higher than
77% of the 95 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.60 vs. KMPR: 26.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
KMPR' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -17.3  Med: -2.25 Max: 34.2
Current: 26.8
-17.3
34.2
» KMPR's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

KMPR Guru Trades in Q1 2015

Michael Price 10,000 sh (unchged)
Jim Simons Sold Out
» More
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

Jim Simons 141,479 sh (+855.94%)
Jeremy Grantham 44,100 sh (+107.04%)
» 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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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 8.91
KMPR's P/E(ttm) is ranked higher than
75% of the 213 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.98 vs. KMPR: 8.91 )
Ranked among companies with meaningful P/E(ttm) only.
KMPR' s P/E(ttm) Range Over the Past 10 Years
Min: 6.93  Med: 12.74 Max: 28
Current: 8.91
6.93
28
Forward P/E 7.55
KMPR's Forward P/E is ranked higher than
77% of the 132 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.57 vs. KMPR: 7.55 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 9.11
KMPR's PE(NRI) is ranked higher than
75% of the 153 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.30 vs. KMPR: 9.11 )
Ranked among companies with meaningful PE(NRI) only.
KMPR' s PE(NRI) Range Over the Past 10 Years
Min: 6.95  Med: 13.76 Max: 35.49
Current: 9.11
6.95
35.49
P/B 0.66
KMPR's P/B is ranked higher than
81% of the 253 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.98 vs. KMPR: 0.66 )
Ranked among companies with meaningful P/B only.
KMPR' s P/B Range Over the Past 10 Years
Min: 0.33  Med: 0.90 Max: 1.69
Current: 0.66
0.33
1.69
P/S 0.56
KMPR's P/S is ranked higher than
63% of the 249 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.90 vs. KMPR: 0.56 )
Ranked among companies with meaningful P/S only.
KMPR' s P/S Range Over the Past 10 Years
Min: 0.19  Med: 0.82 Max: 1.29
Current: 0.56
0.19
1.29
PFCF 6.73
KMPR's PFCF is ranked higher than
55% of the 171 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.75 vs. KMPR: 6.73 )
Ranked among companies with meaningful PFCF only.
KMPR' s PFCF Range Over the Past 10 Years
Min: 6.47  Med: 17.08 Max: 54.31
Current: 6.73
6.47
54.31
POCF 6.41
KMPR's POCF is ranked higher than
52% of the 208 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.64 vs. KMPR: 6.41 )
Ranked among companies with meaningful POCF only.
KMPR' s POCF Range Over the Past 10 Years
Min: 6.16  Med: 13.76 Max: 181.61
Current: 6.41
6.16
181.61
EV-to-EBIT 6.61
KMPR's EV-to-EBIT is ranked higher than
64% of the 214 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.73 vs. KMPR: 6.61 )
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: 6.61
1.2
16.1
EV-to-EBITDA 6.21
KMPR's EV-to-EBITDA is ranked higher than
62% of the 213 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.07 vs. KMPR: 6.21 )
Ranked among companies with meaningful EV-to-EBITDA only.
KMPR' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0.7  Med: 5.60 Max: 14.8
Current: 6.21
0.7
14.8
Shiller P/E 9.42
KMPR's Shiller P/E is ranked higher than
87% of the 46 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.97 vs. KMPR: 9.42 )
Ranked among companies with meaningful Shiller P/E only.
KMPR' s Shiller P/E Range Over the Past 10 Years
Min: 3  Med: 11.67 Max: 15.81
Current: 9.42
3
15.81

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.87
KMPR's Dividend Yield is ranked lower than
66% of the 252 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.21 vs. KMPR: 3.87 )
Ranked among companies with meaningful Dividend Yield only.
KMPR' s Dividend Yield Range Over the Past 10 Years
Min: 2.32  Med: 3.40 Max: 22.54
Current: 3.87
2.32
22.54
Dividend Payout 0.36
KMPR's Dividend Payout is ranked higher than
68% of the 133 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.46 vs. KMPR: 0.36 )
Ranked among companies with meaningful Dividend Payout only.
KMPR' s Dividend Payout Range Over the Past 10 Years
Min: 0.08  Med: 0.49 Max: 15
Current: 0.36
0.08
15
Forward Dividend Yield 4.03
KMPR's Forward Dividend Yield is ranked lower than
64% of the 246 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.36 vs. KMPR: 4.03 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.72
KMPR's Yield on cost (5-Year) is ranked lower than
70% of the 252 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.63 vs. KMPR: 3.72 )
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: 2.23  Med: 3.27 Max: 21.65
Current: 3.72
2.23
21.65
3-Year Average Share Buyback Ratio 3.70
KMPR's 3-Year Average Share Buyback Ratio is ranked higher than
84% of the 67 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.60 vs. KMPR: 3.70 )
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: 1.85 Max: 4.7
Current: 3.7
-0.6
4.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.76
KMPR's Price/Tangible Book is ranked higher than
79% of the 238 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.26 vs. KMPR: 0.76 )
Ranked among companies with meaningful Price/Tangible Book only.
KMPR' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.55  Med: 1.22 Max: 1.9
Current: 0.76
0.55
1.9
Price/Projected FCF 0.56
KMPR's Price/Projected FCF is ranked higher than
51% of the 126 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.53 vs. KMPR: 0.56 )
Ranked among companies with meaningful Price/Projected FCF only.
KMPR' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.24  Med: 0.81 Max: 1.91
Current: 0.56
0.24
1.91
Price/Median PS Value 0.69
KMPR's Price/Median PS Value is ranked higher than
81% of the 224 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.00 vs. KMPR: 0.69 )
Ranked among companies with meaningful Price/Median PS Value only.
KMPR' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.34  Med: 1.28 Max: 1.89
Current: 0.69
0.34
1.89
Price/Peter Lynch Fair Value 1.82
KMPR's Price/Peter Lynch Fair Value is ranked lower than
89% of the 61 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. KMPR: 1.82 )
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: 0.77 Max: 11.92
Current: 1.82
0.25
11.92
Price/Graham Number 0.74
KMPR's Price/Graham Number is ranked higher than
58% of the 211 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.78 vs. KMPR: 0.74 )
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: 0.74
0.48
2.72
Earnings Yield (Greenblatt) (%) 15.10
KMPR's Earnings Yield (Greenblatt) (%) is ranked higher than
74% of the 149 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.40 vs. KMPR: 15.10 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
KMPR' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 6.2  Med: 13.70 Max: 80.1
Current: 15.1
6.2
80.1
Forward Rate of Return (Yacktman) (%) 11.09
KMPR's Forward Rate of Return (Yacktman) (%) is ranked lower than
62% of the 53 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.47 vs. KMPR: 11.09 )
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: -33.2  Med: 0.95 Max: 75.4
Current: 11.09
-33.2
75.4

More Statistics

Revenue(Mil) $2284
EPS $ 2.81
Beta0.90
Short Percentage of Float2.85%
52-Week Range $23.51 - 41.65
Shares Outstanding(Mil)51.25

Latest Earnings Webcast

» More Conference Calls

Business Description

Industry: Insurance » Insurance - Diversified
Compare:BRK.A, ALIZF, AXAHY, ZFSVF, AIZ » details
Kemper Corp was incorporated in Delaware in 1990 The Company, through its subsidiaries, serves the basic financial needs of individuals, families and small businesses by providing property and casualty insurance, life and health insurance, and automobile finance services. The Company conducts its continuing operations through four operating segments: Kemper Preferred (Preferred), Kemper Specialty (Specialty), Kemper Direct (Direct) and Life and Health Insurance. Fireside Bank, reported in discontinued operations, is in the final stages of voluntary liquidation. The Company's operations are conducted solely in the United States. The Company's property and casualty insurance business operations are conducted through the Preferred, Specialty, and Direct segments. In addition, the Life and Health Insurance segment's career agents also sell property insurance to its customers. Collectively, these segments provide automobile, homeowners, renters, fire, 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 or the loss of its income-producing abilities. Casualty insurance covers liability for damage to property of, or injury to, a person or entity other than the insured. The Company's Preferred segments sells preferred and standard risk automobile and homeowners insurance. Specialty, based in Dallas, Texas, conducts business in 21 states, principally in the southwest and western United States. Specialty provides personal and commercial automobile insurance to value-minded consumers who have had difficulty obtaining standard or preferred risk insurance, usually because of their driving records, claims experience or premium payment history. The Company's Direct segments, based in Chicago, Illinois, markets personal automobile, homeowners and renters insurance through a variety of direct-to-consumer websites, including its own websites, marketing partners, employer and other affinity-sponsored relationships.
» More Articles for NYSE:KMPR

Headlines

Articles On GuruFocus.com
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