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Kemper Corporation KMPR

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36.18 USD +0.42 (+1.17%)

Nov 5, 2026, 10:39 AM EST

35.99 Day range 36.57
22.69 52-week range 41.74
YTD
-10.75%
1 year
-15.13%

Financial health

Altman Z-Score

0.55 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C+2 / 5 overall

  • DCF 3
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 3
  • P/E 1
  • P/B 4

Valuation

P/E 17.5×
FY 2016: 134×FY 2017: 29.4×FY 2018: 20.3×FY 2019: 9.6×FY 2020: 12.3×FY 2021: -31.3×FY 2022: -11.0×FY 2023: -11.5×FY 2024: 13.4×FY 2025: 17.5×
FY 2016 5y median -11.0× FY 2025
P/S 0.5×
FY 2016: 0.9×FY 2017: 1.3×FY 2018: 1.0×FY 2019: 1.0×FY 2020: 1.0×FY 2021: 0.7×FY 2022: 0.6×FY 2023: 0.6×FY 2024: 0.9×FY 2025: 0.5×
FY 2016 5y median 0.6× FY 2025
P/B 0.9×
FY 2016: 1.1×FY 2017: 1.7×FY 2018: 1.3×FY 2019: 1.3×FY 2020: 1.1×FY 2021: 0.9×FY 2022: 1.3×FY 2023: 1.2×FY 2024: 1.5×FY 2025: 0.9×
FY 2016 5y median 1.2× FY 2025
P/FCF 4.5×
FY 2016: 10.2×FY 2017: 17.2×FY 2018: 8.1×FY 2019: 11.3×FY 2020: 12.8×FY 2021: 12.9×FY 2022: -13.0×FY 2023: -16.5×FY 2024: 12.9×FY 2025: 4.5×
FY 2016 5y median 4.5× FY 2025
EV/EBITDA 12.4×
FY 2016: 43.1×FY 2017: 19.1×FY 2018: 11.3×FY 2019: 7.5×FY 2020: 10.0×FY 2021: -44.9×FY 2022: -17.6×FY 2023: -19.1×FY 2024: 11.3×FY 2025: 12.4×
FY 2016 5y median -17.6× FY 2025
EV/Sales 0.7×
FY 2016: 1.2×FY 2017: 1.5×FY 2018: 1.3×FY 2019: 1.1×FY 2020: 1.2×FY 2021: 0.8×FY 2022: 0.8×FY 2023: 0.9×FY 2024: 1.2×FY 2025: 0.7×
FY 2016 5y median 0.8× FY 2025
FCF Yield 22.0%
FY 2016: 9.8%FY 2017: 5.8%FY 2018: 12.3%FY 2019: 8.8%FY 2020: 7.8%FY 2021: 7.8%FY 2022: -7.7%FY 2023: -6.1%FY 2024: 7.7%FY 2025: 22.0%
FY 2016 5y median 7.7% FY 2025

Profitability

Gross Margin 29.7%
FY 2016: 14.2%FY 2017: 16.5%FY 2018: 20.8%FY 2019: 23.7%FY 2020: 22.4%FY 2021: 6.3%FY 2022: -3.9%FY 2023: 22.8%FY 2024: 12.7%FY 2025: 29.7%
FY 2016 5y median 12.7% FY 2025
Operating Margin 3.3%
FY 2016: 0.1%FY 2017: 6.0%FY 2018: 5.4%FY 2019: 13.2%FY 2020: 9.8%FY 2021: -4.4%FY 2022: -6.8%FY 2023: -7.0%FY 2024: 8.4%FY 2025: 3.3%
FY 2016 5y median -4.4% FY 2025
Net Margin 3.0%
FY 2016: 0.7%FY 2017: 4.5%FY 2018: 5.2%FY 2019: 10.6%FY 2020: 7.9%FY 2021: -2.2%FY 2022: -5.3%FY 2023: -5.5%FY 2024: 6.9%FY 2025: 3.0%
FY 2016 5y median -2.2% FY 2025
ROE 5.3%
FY 2016: 0.9%FY 2017: 5.7%FY 2018: 6.2%FY 2019: 13.4%FY 2020: 9.0%FY 2021: -3.1%FY 2022: -11.7%FY 2023: -10.9%FY 2024: 11.4%FY 2025: 5.3%
FY 2016 5y median -3.1% FY 2025
ROIC 1.1%
FY 2016: 0.0%FY 2017: 1.5%FY 2018: 1.1%FY 2019: 118.4%FY 2020: 91.3%FY 2021: -1.4%FY 2022: -11.6%FY 2023: -3.4%FY 2024: 69.5%FY 2025: 1.1%
FY 2016 5y median -1.4% FY 2025
ROA 1.1%
FY 2016: 0.2%FY 2017: 1.4%FY 2018: 1.6%FY 2019: 4.1%FY 2020: 2.9%FY 2021: -0.8%FY 2022: -2.1%FY 2023: -2.1%FY 2024: 2.5%FY 2025: 1.1%
FY 2016 5y median -0.8% FY 2025

Growth (YoY)

Revenue 3.6%
FY 2016: 7.7%FY 2017: 5.8%FY 2018: 38.2%FY 2019: 36.1%FY 2020: 3.2%FY 2021: 8.4%FY 2022: -2.9%FY 2023: -9.3%FY 2024: -6.3%FY 2025: 3.6%
FY 2016 FY 2025
Operating Income -58.6%
FY 2016: -96.5%FY 2017: 4502.9%FY 2018: 23.6%FY 2019: 232.3%FY 2020: -22.9%FY 2021: -148.9%FY 2022: -48.8%FY 2023: 6.4%FY 2024: 211.9%FY 2025: -58.6%
FY 2016 FY 2025
EPS (diluted) -53.4%
FY 2016: -80.0%FY 2017: 606.1%FY 2018: 39.1%FY 2019: 145.7%FY 2020: -22.9%FY 2021: -130.6%FY 2022: -138.8%FY 2023: 5.3%FY 2024: 215.5%FY 2025: -53.4%
FY 2016 FY 2025
Free Cash Flow 68.0%
FY 2016: 8.2%FY 2017: -8.0%FY 2018: 131.4%FY 2019: -5.1%FY 2020: -12.4%FY 2021: -25.8%FY 2022: -182.3%FY 2023: 21.6%FY 2024: 274.4%FY 2025: 68.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 16.9×FY 2017: 1.2×FY 2018: 18.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.3×FY 2022: 4.1×FY 2023: 0.4×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.0×
FY 2016: 19.8×FY 2017: 1.4×FY 2018: 22.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.3×FY 2022: 4.1×FY 2023: 0.4×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.4×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.6×FY 2023: 0.6×FY 2024: 0.5×FY 2025: 0.4×
FY 2016 5y median 0.5× FY 2025
Net Debt / EBITDA 3.2×
FY 2016: 9.4×FY 2017: 2.6×FY 2018: 2.0×FY 2019: 0.8×FY 2020: 1.6×FY 2021: -9.2×FY 2022: -4.8×FY 2023: -5.7×FY 2024: 2.7×FY 2025: 3.2×
FY 2016 5y median -4.8× FY 2025
Interest Coverage 4.2×
FY 2016: 0.1×FY 2017: 4.6×FY 2018: 4.6×FY 2019: 15.6×FY 2020: 14.2×FY 2021: -5.7×FY 2022: -6.8×FY 2023: -6.2×FY 2024: 6.8×FY 2025: 4.2×
FY 2016 5y median -5.7× FY 2025

Dividends

Dividend Yield 3.2%
FY 2016: 2.2%FY 2017: 1.4%FY 2018: 1.5%FY 2019: 1.3%FY 2020: 1.6%FY 2021: 2.1%FY 2022: 2.5%FY 2023: 2.6%FY 2024: 1.9%FY 2025: 3.2%
FY 2016 5y median 2.5% FY 2025
Payout Ratio 55.5%
FY 2016: 292.9%FY 2017: 40.9%FY 2018: 29.7%FY 2019: 12.8%FY 2020: 19.2%FY 2021: -65.2%FY 2022: -27.8%FY 2023: -29.4%FY 2024: 25.2%FY 2025: 55.5%
FY 2016 5y median -27.8% FY 2025

Annual · latest fiscal year ends 2025-12-31