Discounted Cash Flow
Kemper Corp.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $2.5b | $16.8m | $240.5m | 0.7% | $0.33 |
| 2017 | $2.7b (8.0%) | $120.9m (619.6%) | $240.6m (0.0%) | 4.4% (566.4%) | $2.34 (609.1%) |
| 2018 | $3.7b (36.8%) | $190.1m (57.2%) | $539.2m (124.1%) | 5.1% (15.0%) | $3.25 (38.9%) |
| 2019 | $5.0b (35.3%) | $531.1m (179.4%) | $534.3m (-0.9%) | 10.5% (106.5%) | $8.04 (147.4%) |
| 2020 | $5.2b (3.3%) | $409.9m (-22.8%) | $448.0m (-16.2%) | 7.9% (-25.3%) | $6.24 (-22.4%) |
| 2021 | $5.8b (11.3%) | $-120.5m (-129.4%) | $350.7m (-21.7%) | -2.1% (-126.4%) | $-1.87 (-130.0%) |
| 2022 | $5.6b (-3.7%) | $-301.2m (-150.0%) | $-241.1m (-168.7%) | -5.4% (-159.6%) | $-4.72 (-152.4%) |
| 2023 | $4.9b (-11.3%) | $-272.1m (9.7%) | $-188.0m (22.0%) | -5.5% (-1.9%) | $-4.25 (10.0%) |
| 2024 | $4.6b (-6.2%) | $317.8m (216.8%) | $329.7m (275.4%) | 6.9% (224.5%) | $4.95 (216.5%) |
| 2025 | $4.8b (3.3%) | $143.3m (-54.9%) | $553.9m (68.0%) | 3.0% (-56.3%) | $2.31 (-53.3%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.