KMPR Stock Analysis: Kemper | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 1.722m USD | 12M Return: -23.1% | US4884011002 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 23.1M
Qual. Beats: 0
Rev. Trend: -52.1%
Qual. Beats: -1
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Kemper Corporation (NYSE: KMPR) is a U.S. insurance holding company operating through two main segments: Specialty Property & Casualty Insurance and Life Insurance. The Specialty P&C segment focuses on specialty personal and commercial automobile insurance, typically serving non-standard or higher-risk drivers who face limited options from standard carriers, and distributes its products through independent agents and brokers rather than captive channels. The Life Insurance segment offers individual life, accident, supplemental health, and property insurance. Formerly known as Unitrin, Inc., the company adopted its current name in August 2011, was incorporated in 1990, and is headquartered in Chicago, Illinois. Within the broader market, Kemper is classified as a small-cap stock in the Property & Casualty Insurance sub-industry of the Financials sector.
- Specialty auto claim severity pressures combined ratio
- Reinsurance cost increases pressure P&C underwriting margins
- Higher interest rates boost Life Insurance segment investment income
| Net Income: -495.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA -0.82 > 1.0 |
| NWC/Revenue: -83.99% < 20% (prev -58.72%; Δ -25.28% < -1%) |
| CFO/TA 0.04 > 3% & CFO 523.0m > Net Income -495.5m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 0.21 > 1.5 & < 3 |
| Outstanding Shares: last quarter (58.9m) vs 12m ago -8.88% < -2% |
| Gross Margin: 26.19% > 18% (prev 6.76%; Δ 19.43% > 0.5%) |
| Asset Turnover: 37.29% > 50% (prev 37.86%; Δ -0.57% > 0%) |
| Interest Coverage Ratio: -14.43 > 6 (EBIT TTM -523.7m / Interest Expense TTM 36.3m) |
| A: -0.32 (Total Current Assets 1.05b - Total Current Liabilities 4.89b) / Total Assets 11.9b |
| B: 0.05 (Retained Earnings 653.7m / Total Assets 11.9b) |
| C: -0.04 (EBIT TTM -523.7m / Avg Total Assets 12.3b) |
| D: 0.22 (Book Value of Equity 2.19b / Total Liabilities 9.75b) |
| Altman-Z'' = -1.98 = D |
As of October 31, 2026, the stock is trading at USD 33.22 with a total of 991,173 shares traded. Over the past week, the price has changed by +15.31%, over one month by +29.46%, over three months by +15.47% and over the past year by -23.07%.
Current recommended Stop Loss: 30.00 (which is 9.7% or 2.8 ATR below the current price).
Kemper has received a consensus analysts rating of 3.33. Therefore, it is recommended to hold KMPR.
- StrongBuy: 2
- Buy: 0
- Hold: 2
- Sell: 2
- StrongSell: 0
| Analysts Target Price | 36.3 | 9.4% |
P/E Forward = 8.4746
P/S = 0.3747
P/B = 0.7742
P/EG = 0.753
Revenue TTM = 4.57b USD
EBIT TTM = -523.7m USD
EBITDA TTM = -440.1m USD
Long Term Debt = 944.5m USD (from longTermDebt, last quarter)
Short Term Debt = 17.1m USD (from shortTermDebt, last fiscal year)
Debt = 944.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 944.5m USD (calculated: Debt 944.5m - CCE 351.7)
Enterprise Value = 2.67b USD (1.72b + Debt 944.5m - CCE 351.7)
Interest Coverage Ratio = -14.43 (Ebit TTM -523.7m / Interest Expense TTM 36.3m)
EV/FCF = 5.62x (Enterprise Value 2.67b / FCF TTM 474.5m)
FCF Yield = 17.79% (FCF TTM 474.5m / Enterprise Value 2.67b)
FCF Margin = 10.38% (FCF TTM 474.5m / Revenue TTM 4.57b)
Net Margin = -10.83% (Net Income TTM -495.5m / Revenue TTM 4.57b)
Gross Margin = 26.19% ((Revenue TTM 4.57b - Cost of Revenue TTM 3.38b) / Revenue TTM)
Gross Margin QoQ = none% (prev 25.26%)
Tobins Q-Ratio = 0.22 (Enterprise Value 2.67b / Total Assets 11.9b)
Interest Expense / Debt = 3.84% (Interest Expense 36.3m / Debt 944.5m)
Taxrate = 17.49% (28.1m / 160.7m)
NOPAT = -432.1m (EBIT -523.7m * (1 - 17.49%)) [loss with tax shield]
Current Ratio = 0.21 (Total Current Assets 1.05b / Total Current Liabilities 4.89b)
Debt / Equity = 0.43 (Debt 944.5m / totalStockholderEquity, last quarter 2.19b)
Debt / EBITDA = -2.15 (negative EBITDA) (Net Debt 944.5m / EBITDA -440.1m)
Debt / FCF = 1.99 (Net Debt 944.5m / FCF TTM 474.5m)
Total Stockholder Equity = 2.56b (last 4 quarters mean from totalStockholderEquity)
RoA = -4.04% (Net Income -495.5m / Total Assets 11.9b)
RoE = -19.33% (Net Income TTM -495.5m / Total Stockholder Equity 2.56b)
RoCE = -14.93% (EBIT -523.7m / Capital Employed (Equity 2.56b + L.T.Debt 944.5m))
RoIC = -3.62% (negative operating profit) (NOPAT -432.1m / Invested Capital 11.9b)
WACC = 4.80% (E(1.72b)/V(2.67b) * Re(5.70%) + D(944.5m)/V(2.67b) * Rd(3.84%) * (1-Tc(0.17)))
Discount Rate = 5.70% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -88.35 | Cagr: -4.16%
[DCF] Terminal Value 73.10% ; FCFF base≈526.4m ; Y1≈461.6m ; Y5≈373.0m
[DCF] Fair Price = 85.57 (EV 5.99b - Net Debt 944.5m = Equity 5.04b / Shares 58.9m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.25 | # QB: 0
Revenue Correlation: -52.15 | Revenue CAGR: -1.74% | SUE: -1.31 | # QB: -1
EPS current Quarter (2026-09-30): EPS=0.55 | Chg30d=-5.82% | Revisions=-17% | Analysts=5
EPS current Year (2026-12-31): EPS=2.05 | Chg30d=+2.84% | Revisions=-12% | GrowthEPS=-43.1% | GrowthRev=-8.9%
EPS next Year (2027-12-31): EPS=4.23 | Chg30d=-4.19% | Revisions=-50% | GrowthEPS=+106.4% | GrowthRev=-2.4%
[Analyst] Revisions Ratio: -36% (up=3, down=8)