Kemper Financials

KMPR Stock  USD 72.10  1.39  1.97%   
Based on the analysis of Kemper's profitability, liquidity, and operating efficiency, Kemper is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in December. At this time, Kemper's Total Liabilities is relatively stable compared to the past year. As of 11/22/2024, Other Current Liabilities is likely to grow to about 7.2 B, while Total Stockholder Equity is likely to drop slightly above 2.4 B. Key indicators impacting Kemper's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.580.5545
Sufficiently Up
Slightly volatile
Current Ratio3.533.72
Notably Down
Pretty Stable
The financial analysis of Kemper is a critical element in measuring its lifeblood. Investors should not minimize Kemper's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

(329.75 Million)

  
Understanding current and past Kemper Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Kemper's financial statements are interrelated, with each one affecting the others. For example, an increase in Kemper's assets may result in an increase in income on the income statement.

Kemper Stock Summary

Kemper competes with Amtech Systems, Gold Fields, Aegean Airlines, Merck, and Krystal Biotech. Kemper Corporation, a diversified insurance holding company, provides property and casualty, and life and health insurance in the United States. Kemper Corporation was incorporated in 1990 and is headquartered in Chicago, Illinois. Kemper Corp operates under InsuranceProperty Casualty classification in the United States and is traded on New York Stock Exchange. It employs 10300 people.
Specialization
Financial Services, Insurance - Property & Casualty
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS4884011002
CUSIP488401100 913275103 488396102
LocationIllinois; U.S.A
Business Address200 East Randolph
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.kemper.com
Phone312 661 4600
CurrencyUSD - US Dollar

Kemper Key Financial Ratios

Kemper Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets13.0B14.3B14.9B13.4B12.7B8.7B
Retained Earnings1.8B2.1B1.8B1.4B1.0B1.1B
Intangible Assets328.4M320.1M293.8M120.2M910M955.5M
Net Debt641.6M966.7M973.7M1.2B1.3B1.4B
Total Liab9.0B1.5B1.3B10.9B10.2B10.7B
Other Current Liab(728.5M)(5.2M)(127.4M)(21.8M)6.8B7.2B
Cash136.8M206.1M148.2M212.4M64.1M105.5M
Other Assets(5.6B)(6.5B)(6.0B)11.2B1.9B2.0B
Net Receivables1.4B1.4B1.8B1.7B1.2B920.9M
Total Current Assets8.9B10.1B10.2B692M64.1M60.9M
Other Liab4.8B6.3B7.0B5.1B5.9B3.0B
Accounts Payable733.1M727.9M843.6M(449.3M)(404.4M)(384.2M)
Long Term Debt778.4M1.2B1.1B1.4B1.4B749.3M
Other Current Assets2.1B2.6B2.3B2.2B2.0B3.4B
Net Tangible Assets2.9B3.4B2.7B1.1B1.3B2.2B
Long Term Debt Total778.4M1.2B1.1B1.4B1.6B920.7M
Capital Surpluse1.8B1.8B1.8B1.8B2.1B1.3B
Inventory(2.1B)(2.6B)(2.3B)(10.6B)(2.0B)(2.1B)
Short Term Debt728.5M20.8M300.5M449.3M470M318.9M

Kemper Key Income Statement Accounts

The reason investors look at the income statement is to determine what Kemper's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense42.5M36M219.4M257.6M369.3M387.8M
Total Revenue5.0B5.2B5.8B5.6B4.9B2.9B
Gross Profit5.0B5.2B5.8B5.6B4.9B2.9B
Operating Income626.1M415.5M(250.1M)44.7M(347.1M)(329.7M)
Ebit626.1M546.1M(205.7M)(316.3M)(347.1M)(329.7M)
Ebitda688.6M601.1M(105.7M)(245.4M)(347.1M)(329.7M)
Net Income531.1M409.9M(120.5M)(301.2M)(347.1M)(329.7M)
Income Tax Expense130.5M100.2M(124.8M)(88.3M)(74.8M)(71.1M)
Income Before Tax661.6M510.1M(245.3M)(389.5M)(347.1M)(329.7M)
Cost Of Revenue1.8B2.5B3.2B6.6M(29.5M)(28.0M)
Tax Provision130.5M100.2M(124.8M)(88.3M)(110.5M)(105.0M)
Interest Income322.3M305.2M293.6M306.4M346.9M221.0M
Net Interest Income(42.5M)(36M)(219.4M)(257.6M)(55.9M)(58.7M)

Kemper Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash61.7M69.3M(57.9M)64.2M(148.3M)(140.9M)
Free Cash Flow454.2M371.7M292.9M(241.1M)(188M)(178.6M)
Depreciation62.5M55M99.8M70.9M58.6M67.6M
Other Non Cash Items(199.7M)(95.3M)(140.7M)115.5M130.8M137.3M
Dividends Paid67.8M78.9M80.6M79.7M80.1M63.7M
Capital Expenditures83.9M53.4M57.8M30.8M53.8M49.3M
Net Income531.1M409.9M(120.5M)(301.2M)(272.3M)(258.7M)
End Period Cash Flow136.8M206.1M148.2M212.4M64.1M66.6M
Change To Netincome(24.8M)79.6M38.7M39.9M35.9M18.3M
Investments(394.4M)972.4M139.1M(468M)126.4M132.7M
Change Receivables(84.3M)(60.6M)(54.6M)127.5M114.8M120.5M
Net Borrowings97.1M395.6M(57.2M)457.1M525.7M551.9M

Kemper Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Kemper's current stock value. Our valuation model uses many indicators to compare Kemper value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Kemper competition to find correlations between indicators driving Kemper's intrinsic value. More Info.
Kemper is rated third overall in return on equity category among its peers. It is currently regarded as number one stock in return on asset category among its peers reporting about  0.27  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Kemper is roughly  3.75 . At this time, Kemper's Return On Equity is relatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Kemper by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Kemper Systematic Risk

Kemper's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Kemper volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Beta measures systematic risk based on how returns on Kemper correlated with the market. If Beta is less than 0 Kemper generally moves in the opposite direction as compared to the market. If Kemper Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Kemper is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Kemper is generally in the same direction as the market. If Beta > 1 Kemper moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Kemper Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Kemper's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Kemper growth as a starting point in their analysis.

Price Earnings To Growth Ratio

1.21

At this time, Kemper's Price Earnings To Growth Ratio is relatively stable compared to the past year.

Kemper November 22, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Kemper help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Kemper. We use our internally-developed statistical techniques to arrive at the intrinsic value of Kemper based on widely used predictive technical indicators. In general, we focus on analyzing Kemper Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Kemper's daily price indicators and compare them against related drivers.

Additional Tools for Kemper Stock Analysis

When running Kemper's price analysis, check to measure Kemper's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Kemper is operating at the current time. Most of Kemper's value examination focuses on studying past and present price action to predict the probability of Kemper's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Kemper's price. Additionally, you may evaluate how the addition of Kemper to your portfolios can decrease your overall portfolio volatility.