Kemper (BSP:KMPR34) Cyclically Adjusted FCF per Share: R$34.63 (As of Mar. 2026)

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BSP:KMPR34 Kemper Corp BSP:KMPR34
55 GF Score
Price R$212.10
GF Value R$411.83
! 4 Warning Signs
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What is Kemper Cyclically Adjusted FCF per Share?

Kemper BSP:KMPR34 55 Cyclically Adjusted FCF per Share is R$34.63 as of Mar. 2026. GuruFocus rates BSP:KMPR34 with a GF Score™ of 55/100 and a GF Value™ of R$411.83. The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Kemper's adjusted free cash flow per share for the three months ended in Mar. 2026 was R$3.468. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is R$34.63 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Kemper's average Cyclically Adjusted FCF Growth Rate was 5.10% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 3.00% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 2.80% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 9.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Kemper was 20.20% per year. The lowest was -16.30% per year. And the median was 3.00% per year.

As of today (2026-07-15), Kemper's current stock price is R$212.10. Kemper's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was R$34.63. Kemper's Cyclically Adjusted Price-to-FCF of today is 6.12.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Kemper was 35.75. The lowest was 4.94. And the median was 16.19.


Kemper  (BSP:KMPR34) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Kemper's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=212.10/34.63
=6.12

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Kemper was 35.75. The lowest was 4.94. And the median was 16.19.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Kemper Cyclically Adjusted FCF per Share Related Terms


Kemper Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Kemper's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Kemper Cyclically Adjusted FCF per Share Chart

Kemper Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.24 12.03 9.02 14.37 26.00

Kemper Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 15.07 15.74 19.83 26.00 34.63

BSP:KMPR34 vs PRCH, UFCS, PRA: Cyclically Adjusted FCF per Share Comparison

For the Insurance - Property & Casualty subindustry, Kemper's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Kemper Cyclically Adjusted Price-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, Kemper's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Kemper's Cyclically Adjusted Price-to-FCF falls into.


BSP:KMPR34
55GF Score
Kemper Corp BSP:KMPR34
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Kemper Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Kemper's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=3.468/330.2130*330.2130
=3.468

Current CPI (Mar. 2026) = 330.2130.

Kemper Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 1.242 241.018 1.702
201609 1.550 241.428 2.120
201612 1.995 241.432 2.729
201703 1.168 243.801 1.582
201706 1.423 244.955 1.918
201709 1.610 246.819 2.154
201712 2.204 246.524 2.952
201803 1.641 249.554 2.171
201806 3.863 251.989 5.062
201809 4.175 252.439 5.461
201812 5.408 251.233 7.108
201903 2.333 254.202 3.031
201906 3.673 256.143 4.735
201909 3.276 256.759 4.213
201912 4.204 256.974 5.402
202003 1.539 258.115 1.969
202006 7.159 257.797 9.170
202009 -0.782 260.280 -0.992
202012 7.327 260.474 9.289
202103 5.743 264.877 7.160
202106 3.156 271.696 3.836
202109 2.136 274.310 2.571
202112 1.297 278.802 1.536
202203 -1.335 287.504 -1.533
202206 -3.144 296.311 -3.504
202209 -3.428 296.808 -3.814
202212 -1.802 296.797 -2.005
202303 -0.195 301.836 -0.213
202306 -3.280 305.109 -3.550
202309 -2.016 307.789 -2.163
202312 -1.697 306.746 -1.827
202403 1.065 312.332 1.126
202406 0.216 314.175 0.227
202409 5.606 315.301 5.871
202412 7.821 315.605 8.183
202503 7.673 319.799 7.923
202506 3.520 322.561 3.604
202509 5.819 324.800 5.916
202512 7.650 324.054 7.795
202603 3.468 330.213 3.468

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of R$34.63 mean?
Kemper (BSP:KMPR34) has a Cyclically Adjusted FCF per Share of R$34.63 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Kemper and its competitors.
Is Kemper's Cyclically Adjusted FCF per Share too high?
Kemper's current Cyclically Adjusted FCF per Share is R$34.63. Overall, Kemper has a GF Score™ of 55/100, reflecting its overall financial health beyond just this single metric.
How does Kemper's Cyclically Adjusted FCF per Share compare to PRCH and UFCS?
Kemper's Cyclically Adjusted FCF per Share of R$34.63 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for an Insurance company?
A good Cyclically Adjusted FCF per Share depends on the Insurance industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Kemper and its competitors. Kemper's current Cyclically Adjusted FCF per Share is R$34.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kemper stock overvalued right now?
Kemper (BSP:KMPR34) has a current Cyclically Adjusted FCF per Share of R$34.63. The stock's GF Value™ is R$411.83, compared to a current price of R$212.10 — trading 48.5% below its estimated fair value. The current Cyclically Adjusted FCF per Share is R$34.63. Kemper's overall GF Score™ is 55/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Kemper (BSP:KMPR34), the current Cyclically Adjusted FCF per Share is R$34.63 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Kemper (BSP:KMPR34) Overvalued in 2026?

Based on GuruFocus' analysis, Kemper stock appears to be undervalued. The current stock price of R$212.10 is trading 48.5% below its estimated GF Value™ of R$411.83.

Key valuation signals for BSP:KMPR34:

  • Cyclically Adjusted FCF per Share: R$34.63
  • GF Value™: R$411.83 vs. price of R$212.10 (48.5% below fair value)
  • GF Score™: 55/100 with 4 warning signs

No single metric tells the full story. See the BSP:KMPR34 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Kemper Business Description

Other Exchanges KMPR:USAUI2:Germany
Address 200 E. Randolph Street, Suite 3300, Chicago, IL, USA, 60601
Kemper Corp is an insurance holding company that offers complementary insurance products through its subsidiaries, including personal and commercial automobile insurance to consumers in targeted markets and industries. Kemper also offers life and other insurance solutions based on the needs of its clients. The company offers its insurance products through a vast network of agents and brokers, mainly under the Kemper Auto and Kemper Life brands. It has two operating segments: Specialty Property & Casualty Insurance and Life Insurance. The majority of the company's revenue is generated from the Specialty Property & Casualty Insurance segment, whose principal products are specialty personal automobile and commercial automobile insurance. Geographically, it operates only in the United States.
55GF Score

Get the complete analysis for BSP:KMPR34

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$212.10
Price
R$411.83
GF Value