Provides specialty property and casualty insurance to individuals and businesses. Offers preferred property and casualty insurance products. Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
This is an established company with proven profits.
The market pays 11.2× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 83% of them.
Analysts' average target sits 30% above today's price.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Clearly below the class average.
Clearly below the class average.
Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
An investor who bought at the very peak is down 62% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.
Over the last 12 months, company executives reported 49 buys and 22 sells. Management buying with its own money is usually read as a good sign.
It pays out $1.28 per share each year — regular cash for whoever holds the stock.
Over the last 4 years, sales fell about 4% a year on average. Profit is holding up, but a shrinking business is a risk worth watching.
Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 12/100. For a turnaround signal, the stock first needs to close the gap with the market.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 16/100.
On our five-subject report card, KMPR sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: KMPR does earn real profits — but on our report card it still sits behind its class. The real debate isn’t the quality of the business — it’s what that quality should cost.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.