Kemper Corporation Financial Ratios — UI2 Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	3.52	4.83	10.33	5.53	4.2	0.85	5.91	7.36	15.13	9.6	-2.89	-8.58	-10.51	12.01	5.24
Return on Assets (%)	0.91	1.3	2.78	1.48	1.08	0.21	1.46	1.91	4.33	3	-0.85	-2.03	-2.09	2.51	1.14
Return on Capital (%)	3.96	4.78	8.57	4.92	3.97	- -	4.71	6.11	12.34	8.37	- -	- -	- -	9.14	4.77
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	2.74	4.97	12.96	7.29	4.28	0.14	6.04	5.4	13.18	9.85	-4.44	-6.81	-7.03	8.39	3.36
Profit Margin (%)	2.99	4.2	8.97	5.21	3.66	0.67	4.53	5.15	10.58	7.92	-2.2	-5.26	-5.51	6.86	3
Net Income to Common Margin (%)	2.99	4.2	8.97	5.21	3.66	0.67	4.53	5.15	10.58	7.92	-2.2	-5.26	-5.51	6.86	3
Effective Tax Rate (%)	9.66	25	31.77	29.71	20.04	- -	25.57	5.37	19.72	19.64	- -	- -	- -	19.56	17.49
Dvd Payout Ratio (%)	94.33	61.98	25.59	46	61.97	387.4	41.28	29.94	12.77	19.25	-65.16	-27.81	-29.39	26.07	65.3
Sustainable Growth Rate (%)	0.2	1.84	7.69	2.99	1.6	-2.43	3.47	5.16	13.19	7.76	-4.77	-10.97	-13.6	8.88	1.82

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	611	617	856	1,002	1,110	1,111	1,040	1,357	778	1,173	1,122	1,836	1,389	1,391	944
ST Debt	- -	6	249	250	359	360	448	448	449	449	449	449	- -	450	- -
LT Debt	611	611	607	752	751	752	592	909	330	724	673	1,387	1,389	942	944
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	37	38	38	47	47	44	35	43	43	36	44	55	56	57	39
Common Equity/Total Assets	26.68	26.99	26.79	26.69	24.79	24.06	25.26	26.42	30.58	31.82	26.87	20.06	19.66	22.08	21.5
Long-Term Debt/Equity (%)	28.85	28.28	29.58	35.97	37.67	38.05	28	29.8	8.3	15.87	16.79	51.93	55.46	33.82	35.35
Long-Term Debt/Capital (%)	22.39	22	20.87	24.32	24.2	24.35	18.77	20.62	6.94	12.62	13.12	30.77	35.67	22.55	26.11
Long-Term Debt/Total Assets (%)	7.7	7.63	7.93	9.6	9.34	9.15	7.07	7.87	2.54	5.05	4.51	10.42	10.9	7.46	7.56
Total Debt/Equity (%)	28.85	28.54	41.72	47.91	55.7	56.27	49.18	44.5	19.6	25.7	27.99	68.76	55.46	49.97	35.35
Total Debt/Capital (%)	22.39	22.2	29.44	32.39	35.77	36.01	32.97	30.8	16.38	20.45	21.87	40.74	35.67	33.32	26.11
Total Debt/Total Assets (%)	7.7	7.7	11.18	12.79	13.81	13.54	12.42	11.76	5.99	8.18	7.52	13.79	10.9	11.02	7.56
Net Debt to Equity	16.98	24.08	38.48	44.27	47.58	50.41	47.02	42.04	16.15	21.18	24.3	60.8	52.9	47.62	30.62
Net Debt/Capital (%)	14.52	19.41	27.79	30.68	32.24	33.52	31.98	29.6	13.91	17.48	19.55	37.81	34.6	32.26	23.44
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	26.68	26.99	26.79	26.69	24.79	24.06	25.26	26.42	30.58	31.82	26.87	20.06	19.66	22.08	21.5
Long-Term Debt/Equity (%)	28.85	28.28	29.58	35.97	37.67	38.05	28	29.8	8.3	15.87	16.79	51.93	55.46	33.82	35.35
Long-Term Debt/Capital (%)	22.39	22	20.87	24.32	24.2	24.35	18.77	20.62	6.94	12.62	13.12	30.77	35.67	22.55	26.11
Long-Term Debt/Total Assets (%)	7.7	7.63	7.93	9.6	9.34	9.15	7.07	7.87	2.54	5.05	4.51	10.42	10.9	7.46	7.56
Total Debt/Equity (%)	28.85	28.54	41.72	47.91	55.7	56.27	49.18	44.5	19.6	25.7	27.99	68.76	55.46	49.97	35.35
Total Debt/Capital (%)	22.39	22.2	29.44	32.39	35.77	36.01	32.97	30.8	16.38	20.45	21.87	40.74	35.67	33.32	26.11
Total Debt/Total Assets (%)	7.7	7.7	11.18	12.79	13.81	13.54	12.42	11.76	5.99	8.18	7.52	13.79	10.9	11.02	7.56
CFO/Total Liabilities	-0.43	1.12	2.18	2.33	3.56	3.86	3.84	6.35	5.93	4.58	3.21	-1.98	-1.31	3.89	5.96
CFO/CapEx	-1.08	2.48	8.03	11.82	24.16	13.66	6.78	8.26	6.36	8.39	6.07	-6.83	-2.49	7.2	19.1
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	6.58	6.92	7.01	7.46	7.54	7.6	5.37	4.73	4.48	4.3	4.03	4.4	4.76	4.88
Days Sales Outstanding	- -	55.48	52.72	52.08	48.94	48.41	48.04	67.95	77.22	81.46	84.94	90.58	82.99	76.67	74.85
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4,054	2,330
- Cash & Cash Equivalents	251	96	67	76	162	116	46	75	137	206	148	212	64	65	126
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-4	-12
+ Total Debt	611	617	856	1,002	1,110	1,111	1,040	1,357	778	1,173	1,122	1,836	1,389	1,391	944
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4,311	2,807
Total Capital	2,727	2,779	2,907	3,092	3,102	3,087	3,156	4,408	4,751	5,736	5,130	4,507	3,894	4,176	3,613
Total Debt/Capital (%)	22.39	22.2	29.44	32.39	35.77	36.01	32.97	30.8	16.38	20.45	21.87	40.74	35.67	33.32	26.11
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.32	0.34
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.93	0.59
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.06	4.56
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.48	4.79
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4,113	2,486
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4,370	2,964
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	67.52	47.85
TTM Sales	2,495	2,462	2,427	2,197	2,341	2,522	2,669	3,688	5,020	5,179	5,615	5,451	4,941	4,633	4,783
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	8	94	148	167	252	- -	267	580	568	477	- -	- -	- -	429	616
TTM Free Cash Flow to Firm	-15	67	133	155	243	- -	231	515	484	424	- -	- -	- -	375	586

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.48	4.49
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4,311	2,807
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	53.11	35.21
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.93	0.59
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.82	17.19
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.39	24.3
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	14.52	30.33
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.72	15.24
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.45	0.87
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.4	1.23
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.65	1.53
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.22	0.77
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.32	2.02
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.21	2.85
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.76	3.56
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.77	1.79
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.88	0.51
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.85	0.73
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	0.91
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.74	0.46
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.64	4.21
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.29	5.96
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.05	7.44
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.9	3.74
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.06	6.35
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	14.13	7.92
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.43	3.98
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.9	0.79
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.05	0.96
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.79	0.53
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	63.5	39.71
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	71.92	70.09
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4,174	3,771
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4,848	4,590
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3,647	2,543

Shares Outstanding	60	58	56	52	51	51	51	65	67	65	64	64	64	64	59
Diluted Weighted Avg Shares	60	59	57	54	52	51	52	59	67	67	64	64	64	65	63
Basic Weighted Avg Shares	60	59	57	54	52	51	51	58	66	66	64	64	64	64	62
Revenue per Share	41.4	41.84	42.68	40.86	45.36	49.3	51.98	63.42	76.2	78.9	87.37	85.4	77.17	72.18	77.13
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.24	1.76	3.83	2.13	1.66	0.33	2.35	3.27	8.06	6.25	-1.92	-4.49	-4.25	4.95	2.31
Basic EPS from Cont Ops	1.02	1.56	3.77	2.09	1.55	0.25	2.34	3.24	8.06	6.25	-1.92	-4.49	-4.25	4.87	2.14
Diluted EPS, GAAP	1.24	1.74	3.82	2.13	1.66	0.33	2.34	3.22	7.96	6.14	-1.92	-4.49	-4.25	4.91	2.29
Diluted EPS from Cont Ops	1.02	1.54	3.76	2.09	1.55	0.25	2.32	3.19	7.96	6.14	-1.92	-4.49	-4.25	4.82	2.12
Dividend per Share	0.97	0.97	0.97	0.96	0.96	0.96	0.96	0.97	1.03	1.2	1.25	1.25	1.25	1.25	1.28
Cash Flow per Share	-0.41	1.12	2.15	2.49	4.17	4.7	4.69	9.27	8.11	6.83	5.46	-3.29	-2.1	5.97	9.43
Free Cash Flow per Basic Share	-0.8	0.67	1.88	2.27	3.99	4.36	3.99	8.15	6.84	6.01	4.56	-3.78	-2.94	5.14	8.93
Cash & Equivalents per Share	8.28	7.25	6.31	7.98	8.13	7.59	5.46	5.58	9.12	16.53	6.79	7.68	9.16	17.71	7.74
Book Value per Share	35.13	36.98	36.86	39.88	38.82	38.52	41.11	47.1	59.59	69.74	62.93	41.79	39.08	43.68	45.71
Tangible Book Value per Share	29.96	31.65	31.26	33.94	32.52	32.22	31.32	25.15	37.95	47.82	37.72	16.49	14.6	19.14	19.69

Kemper Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)