How does the current valuation (P/E, EV/EBITDA) compare after this earnings release?

Short answer:

With the information supplied in the news release (net income, diluted EPS, and adjusted consolidated net operating income) we do not have enough data to calculate a current P/E ratio or an EV/EBITDA multiple for Kemper Corporation (KMPR). To compute those valuation metrics you would need the market price of the stock (or market‑cap) and the company’s enterprise‑value components (debt, cash, minority interests, etc.) as of the date of the earnings release. None of those numbers appear in the excerpt you provided.

Below is a detailed explanation of what information is required, why the current news alone is insufficient, and how you can obtain the missing data to make a proper comparison.

1. Why the news excerpt is insufficient for a valuation‑ratio calculation

Because the news article only tells us how much Kemper earned in the most recent quarter and how its adjusted operating income performed, we cannot directly derive the P/E or EV/EBITDA “after the earnings release” without supplementing it with market data.

2. How to calculate the ratios once you have the missing pieces

Below is a step‑by‑step guide you can use as soon as you have the current market information (e.g., from Bloomberg, Reuters, Yahoo! Finance, or the company’s investor‑relations site).

2.1. Compute the Trailing Twelve‑Month (TTM) Net Income (or TTM EPS)

1. Collect quarterly net income for the past 4 quarters (including Q2 2025).
   
   • Q2‑2025: $72.6 M
     
   • Q1‑2025: obtain from the Q1‑2025 earnings release.
     
   • Q4‑2024 and Q3‑2024: obtain from the 2024‑2025 Q4 and Q3 releases.
     
2. Add the four numbers → TTM net income.
   
3. If you need EPS: divide TTM net income by total diluted shares outstanding (typically disclosed in the most recent Form 10‑K or 10‑Q).
   

P/E formula:

[
\text{P/E} = \frac{\text{Current share price}}{\text{TTM EPS}}
]

2.2. Compute Enterprise Value (EV)

1. Market Capitalization = current share price × total shares outstanding.
   
2. Add:
   
   • Long‑term debt (including capital leases).
     
   • Short‑term debt (if any).
     
3. Subtract:
   
   • Cash & cash equivalents.
     
4. Add (if applicable): minority interest, preferred equity.
   

EV/EBITDA = Enterprise Value / TTM EBITDA (or FY‑2025 EBITDA if you prefer a fiscal‑year metric).

If you only have the quarterly “Adjusted Consolidated Net Operating Income” of $84.1 M, you can use it as a proxy for EBITDA only if the company defines that metric as comparable to EBITDA (i.e., if it’s net operating income before depreciation and amortization, but before interest and taxes). However, you still need the other three quarters’ data to form a TTM number.

2.3. Compare Pre‑ vs. Post‑Release Valuation

To gauge the impact of the earnings release on the multiples:

Because the reported net income fell modestly (≈ 3.7% decline YoY) and no share‑price data are present, the most likely scenario (assuming the market doesn’t react dramatically) would be:

• P/E up slightly (if the market doesn’t discount the stock price immediately).
  
• EV/EBITDA up slightly (if EBITDA declines in line with the earnings drop).

But these are hypotheses. The actual direction depends on the market’s reaction to other factors (e.g., guidance, margin trends, macro environment, recent share repurchases, etc.).

3. Where to get the missing data

4. Quick “example” (purely illustrative)

Note: The numbers below are hypothetical and not based on Kemper’s actual market data; they are only to illustrate the calculation once you have the data.

If the earnings release caused the share price to jump to $26.50, the P/E would rise to 26.50/1.50 = 17.7x (i.e., higher). If the price fell to $23, the P/E would fall to 15.3x. The same logic applies to EV/EBITDA.

5. Bottom‑line recommendation

1. Gather the market data listed above.
   
2. Calculate the TTM or FY‑2025 net income / EPS and EBITDA using the quarterly statements.
   
3. Plug the numbers into the P/E = price / EPS and EV/EBITDA = Enterprise Value / EBITDA formulas.
   
4. Compare the post‑release numbers with the pre‑release figures (e.g., P/E at the close of the previous trading day).
   

Only after performing those steps will you be able to answer “How does the current valuation (P/E, EV/EBITDA) compare after this earnings release?” with a precise, data‑driven answer.

In summary: The press release alone does not provide the market‑price data required to compute the P/E or EV/EBITDA multiples. You will need to fetch the current stock price, the number of shares outstanding, and the balance‑sheet figures for debt and cash. Once you have those, you can compute the current ratios and see how they have shifted relative to the prior period—usually a modest rise in both ratios given the slight drop in earnings, unless the market price has moved dramatically in response to the release. If you obtain the missing numbers, feel free to share them and I can run the exact calculations for you.