Kemper Corporation (KMPR) Discounted Cash Flow Valuation

$64.69 (-0.05%)

Use the step-by-step process below to come up with the intrinsic value for Kemper Corporation. We help gather some initial data for you from the financial statements, but it's up to you to come up with the story that backs us your numbers. Projecting anything including free cash flow into the future as a valuation model is powerful but keep in mind this is just a free tool and should not be used for financial advice.

Calculate Discount Rate

Cost of Debt %

Risk Free Rate %

Beta

Expected Market Return %

Cost of Equity %

	Amount	Weight
Total Debt	$1.4B	25.154%
Market Cap	$4.1B	74.846%
Weighted Average Cost of Capital	6.51%

Project Future Free Cash Flow

A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to Kemper Corporation. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Current FCF (Billions)

Future Growth Rate (%)

Terminal Growth Rate (%)

Terminal FCF (Billions)

Final Calculation

Future Free Cash Flow (B)

Cash & Cash Equivalents (B)

Total Debt (B)

Equity Value (B)

Shares Outstanding

Intrinsic Value

Historical Cost of Debt

	Q4-2024	Q3-2024	Q2-2024	Q1-2024	Q4-2023	Q3-2023	Q2-2023	Q1-2023
Interest Expense	$14.6M	$64.6M	$49.3M	$14.0M	$13.9M	$156.0M	$14.0M	$14.1M
Total Debt	$1.4B	$1.4B	$1.4B	$508.0M	$1.4B	$1.4B	$1.4B	$1.4B
Cost of Debt	1.05%	4.63%	3.4%	2.76%	1%	11.23%	1.01%	1.02%
Income Tax Expense	$23.6M	-$18.5M	$17.5M	$16.4M	$12.2M	-$44.4M	-$18.8M	-$23.8M
Income Before Tax	$119.3M	$90.7M	$91.9M	$86.6M	$63.5M	-$190.8M	-$115.9M	-$103.9M
Effective Tax Rate	19.78%	-20.4%	19.04%	18.94%	19.21%	23.27%	16.22%	22.91%
Cost of Debt after tax	0.84%	5.57%	2.75%	2.23%	0.81%	8.62%	0.84%	0.78%

Historical Free Cash Flow

Quarter	Free Cash Flow	Net Income
Q4-2024	$218.6 Million	$95.7 Million
Q3-2024	$174.9 Million	$70.1 Million
Q2-2024	$5.2 Million	$75.4 Million
Q1-2024	$27.7 Million	$71.3 Million
Q4-2023	-$44.4 Million	$51.3 Million
Q3-2023	-$52.3 Million	-$146.4 Million
Q2-2023	-$86.5 Million	-$97.1 Million
Q1-2023	-$4.8 Million	-$80.1 Million
Q4-2022	-$43.9 Million	-$55.5 Million
Q3-2022	-$56.4 Million	-$76.2 Million
Q2-2022	-$55.8 Million	-$74.7 Million
Q1-2022	-$34.2 Million	-$94.8 Million
Q4-2021	$86.3 Million	-$105.8 Million
Q3-2021	$51.5 Million	-$75.3 Million
Q2-2021	$80.8 Million	-$62.6 Million
Q1-2021	$131.4 Million	$123.2 Million