Kemper Corporation (KMPR) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Insurance - Property & Casualty
EV/EBITDA
↑
10.01
↓-27% vs avg
5yr avg: 13.64
30Y Low1.2·High28.1
P/FCF
↓
2.66
↓-74% vs avg
5yr avg: 10.18
30Y Low2.6·High35.9
P/B Ratio
↑
0.59
↓-51% vs avg
5yr avg: 1.19
30Y Low0.6·High1.7
ROE
↑
5.3%
↓+578% vs avg
5yr avg: -1.1%
30Y Low-11%·High30%
Debt/EBITDA
↑
4.28
+15% vs avg
5yr avg: 3.71
30Y Low0.0·High32.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
KMPR Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Kemper Corporation trades at 10.9x earnings, 30% below its 5-year average of 15.6x, sitting at the 24th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 20%. On a free-cash-flow basis, the stock trades at 2.7x P/FCF, 74% below the 5-year average of 10.2x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.5B | $2.5B | $4.3B | $3.1B | $3.1B | $3.8B | $5.1B | $5.2B | $3.9B | $3.6B | $2.3B |
| Enterprise Value | $2.4B | $3.4B | $5.6B | $4.4B | $4.3B | $4.8B | $6.1B | $5.8B | $4.7B | $4.1B | $2.9B |
| P/E Ratio → | 10.93 | 17.70 | 13.53 | — | — | — | 12.51 | 9.74 | 20.49 | 29.57 | 134.24 |
| P/S Ratio | 0.31 | 0.53 | 0.93 | 0.63 | 0.58 | 0.67 | 0.99 | 1.03 | 1.06 | 1.33 | 0.90 |
| P/B Ratio | 0.59 | 0.95 | 1.55 | 1.24 | 1.29 | 0.94 | 1.12 | 1.30 | 1.28 | 1.68 | 1.15 |
| P/FCF | 2.66 | 4.58 | 13.05 | — | — | 12.90 | 12.99 | 11.45 | 8.22 | 17.33 | 10.18 |
| P/OCF | 2.52 | 4.34 | 11.24 | — | — | 10.77 | 11.44 | 9.65 | 7.22 | 14.77 | 9.43 |
P/E links to full P/E history page with 30-year chart
KMPR EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Kemper Corporation's enterprise value stands at 10.0x EBITDA, 27% below its 5-year average of 13.6x. The Financial Services sector median is 11.4x, placing the stock at a 12% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.71 | 1.22 | 0.90 | 0.79 | 0.85 | 1.18 | 1.16 | 1.28 | 1.54 | 1.15 |
| EV / EBITDA | 10.01 | 14.54 | 12.73 | — | — | — | 10.78 | 8.01 | 12.76 | 22.87 | 126.29 |
| EV / EBIT | 14.64 | 17.15 | 12.64 | — | — | — | 11.16 | 8.24 | 19.52 | 20.92 | 60.64 |
| EV / FCF | — | 6.17 | 17.07 | — | — | 16.22 | 15.44 | 12.88 | 9.97 | 19.99 | 13.03 |
KMPR Profitability
Margins and return-on-capital ratios measuring operating efficiency
Kemper Corporation earns an operating margin of 3.3%, below the Financial Services sector average of 20.3%. Operating margins have expanded from -7.0% to 3.3% over the past 3 years, signaling improving operational efficiency. ROE of 5.3% is modest, trailing the sector median of 9.0%. ROIC of 3.1% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 29.7% | 29.7% | 12.7% | 22.8% | -3.9% | 6.3% | 22.4% | 23.7% | 20.8% | 16.5% | 14.2% |
| Operating Margin | 3.3% | 3.3% | 8.4% | -7.0% | -6.8% | -4.4% | 9.8% | 13.2% | 5.4% | 6.0% | 0.1% |
| Net Profit Margin | 3.0% | 3.0% | 6.9% | -5.5% | -5.3% | -2.2% | 7.9% | 10.6% | 5.2% | 4.5% | 0.7% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.3% | 5.3% | 12.0% | -11.0% | -8.9% | -2.9% | 9.6% | 15.1% | 7.4% | 5.9% | 0.8% |
| ROA | 1.1% | 1.1% | 2.5% | -2.1% | -2.0% | -0.8% | 3.0% | 4.3% | 1.9% | 1.5% | 0.2% |
| ROIC | 3.1% | 3.1% | 7.3% | -7.0% | -6.5% | -3.6% | 7.5% | 11.7% | 4.6% | 4.6% | 0.1% |
| ROCE | 1.3% | 1.3% | 3.1% | -2.7% | -2.7% | -1.7% | 3.7% | 5.4% | 2.8% | 2.9% | 0.0% |
KMPR Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Kemper Corporation carries a Debt/EBITDA ratio of 4.3x, which is highly leveraged (roughly in line with the sector average of 4.3x). Net debt stands at $879M ($1.0B total debt minus $126M cash). Interest coverage of 5.2x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.38 | 0.38 | 0.50 | 0.55 | 0.57 | 0.28 | 0.26 | 0.20 | 0.30 | 0.28 | 0.38 |
| Debt / EBITDA | 4.28 | 4.28 | 3.15 | — | — | — | 2.08 | 1.07 | 2.45 | 3.30 | 32.68 |
| Net Debt / Equity | — | 0.33 | 0.48 | 0.53 | 0.48 | 0.24 | 0.21 | 0.16 | 0.27 | 0.26 | 0.32 |
| Net Debt / EBITDA | 3.74 | 3.74 | 3.00 | — | — | — | 1.71 | 0.89 | 2.25 | 3.05 | 27.65 |
| Debt / FCF | — | 1.59 | 4.02 | — | — | 3.32 | 2.45 | 1.42 | 1.76 | 2.67 | 2.85 |
| Interest Coverage | 5.17 | 5.17 | 7.83 | -5.19 | -5.78 | -4.72 | 15.17 | 16.57 | 5.59 | 5.62 | 1.08 |
KMPR Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | — | — | — | — | 4.13 | — | — | — | 18.01 | 1.25 | 16.86 |
| Quick Ratio | — | — | — | — | 4.13 | — | — | — | 21.99 | 1.45 | 19.75 |
| Cash Ratio | — | — | — | — | 44.07 | — | — | — | 15.13 | 1.13 | 15.33 |
| Asset Turnover | — | 0.38 | 0.37 | 0.39 | 0.41 | 0.38 | 0.36 | 0.39 | 0.32 | 0.32 | 0.31 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
KMPR Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Kemper Corporation returns 25.6% to shareholders annually — split between a 5.1% dividend yield and 20.5% buyback yield. A payout ratio of 55.5% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 9.1% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 5.1% | 3.1% | 1.9% | 2.6% | 2.5% | 2.1% | 1.5% | 1.3% | 1.4% | 1.4% | 2.2% |
| Payout Ratio | 55.5% | 55.5% | 25.2% | — | — | — | 19.2% | 12.8% | 29.7% | 40.9% | 292.9% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 9.1% | 5.6% | 7.4% | — | — | — | 8.0% | 10.3% | 4.9% | 3.4% | 0.7% |
| FCF Yield | 37.6% | 21.8% | 7.7% | — | — | 7.8% | 7.7% | 8.7% | 12.2% | 5.8% | 9.8% |
| Buyback Yield | 20.5% | 11.9% | 0.9% | 0.0% | 0.2% | 4.3% | 2.2% | 0.0% | 0.0% | 0.0% | 0.2% |
| Total Shareholder Yield | 25.6% | 15.0% | 2.8% | 2.6% | 2.7% | 6.4% | 3.7% | 1.3% | 1.4% | 1.4% | 2.3% |
| Shares Outstanding | — | $63M | $65M | $64M | $64M | $64M | $67M | $67M | $59M | $52M | $51M |
Peer Comparison
Compare KMPR with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 KMPRYou | $1B | 10.9 | 10.0 | 2.7 | 29.7% | 3.3% | 5.3% | 3.1% | 4.3 |
 HCI | $2B | 6.6 | 2.2 | 4.8 | 73.2% | 47.7% | 37.8% | 675.0% | 0.2 |
 PLMR | $3B | 15.6 | 10.9 | 7.4 | 73.9% | 28.9% | 23.6% | 25.5% | 0.0 |
 ACGL | $32B | 7.8 | 6.6 | 5.3 | 37.2% | 25.0% | 19.5% | 15.4% | 0.5 |
 KINS | $235M | 5.6 | 4.2 | 3.2 | 57.7% | 25.6% | 43.0% | 46.6% | 0.1 |
 PGR | $120B | 14.2 | 11.5 | 8.1 | 27.7% | 14.2% | 37.0% | 27.0% | 0.6 |
 ALL | $57B | 5.8 | 4.7 | 5.8 | 33.2% | 19.8% | 39.6% | 29.8% | 0.5 |
 MET | $56B | 17.8 | 9.4 | 3.1 | 36.4% | 6.0% | 11.9% | 13.1% | 3.5 |
 AFL | $59B | 16.9 | 11.2 | 23.3 | 38.9% | 26.6% | 13.1% | 11.8% | 1.5 |
 GL | $13B | 12.1 | 10.0 | 10.7 | 33.4% | 24.4% | 20.6% | 13.4% | 1.6 |
 CNO | $5B | 21.6 | 15.0 | 7.1 | 44.8% | 6.5% | 8.9% | 4.0% | 7.7 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
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KMPR — Frequently Asked Questions
Quick answers to the most common questions about buying KMPR stock.
What is Kemper Corporation's P/E ratio?
Kemper Corporation's current P/E ratio is 10.9x. The historical average is 20.2x. This places it at the 24th percentile of its historical range.
What is Kemper Corporation's EV/EBITDA?
Kemper Corporation's current EV/EBITDA is 10.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 10.3x.
What is Kemper Corporation's ROE?
Kemper Corporation's return on equity (ROE) is 5.3%. The historical average is 7.2%.
Is KMPR stock overvalued?
Based on historical data, Kemper Corporation is trading at a P/E of 10.9x. This is at the 24th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Kemper Corporation's dividend yield?
Kemper Corporation's current dividend yield is 5.08% with a payout ratio of 55.5%.
What are Kemper Corporation's profit margins?
Kemper Corporation has 29.7% gross margin and 3.3% operating margin.
How much debt does Kemper Corporation have?
Kemper Corporation's Debt/EBITDA ratio is 4.3x, indicating high leverage. A ratio above 4x may signal elevated financial risk.