(KMPR) Kemper - Overview
Stock: Auto, Commercial, Life, Health, Property
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.48% |
| Yield on Cost 5y | 1.99% |
| Yield CAGR 5y | 0.80% |
| Payout Consistency | 95.8% |
| Payout Ratio | 38.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 49.1% |
| Relative Tail Risk | -4.49% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.57 |
| Alpha | -61.48 |
| Character TTM | |
|---|---|
| Beta | 0.741 |
| Beta Downside | 1.155 |
| Drawdowns 3y | |
|---|---|
| Max DD | 52.46% |
| CAGR/Max DD | -0.33 |
Description: KMPR Kemper January 11, 2026
Kemper Corporation (NYSE:KMPR) is a U.S.-based insurance holding company that operates two primary segments: Specialty Property & Casualty (P&C) and Life Insurance. The P&C segment focuses on specialty personal and commercial automobile coverage sold through independent agents and brokers, while the Life segment offers individual life, accident, supplemental health, and property policies. The firm, originally incorporated as Unitrin in 1990, rebranded to Kemper in August 2011 and is headquartered in Chicago, Illinois.
Key quantitative indicators (as of FY 2023) include a combined ratio of roughly 95% for the Specialty P&C line-indicating underwriting profitability-and a life-insurance net interest margin of about 4.2%, reflecting the benefit of a higher-for-longer yield curve. The company’s earnings per share (EPS) grew 7% year-over-year, driven partly by a 12% increase in premium volume in the auto segment, which is sensitive to vehicle-fleet growth and evolving usage-based insurance pricing models. Macro-level, the sector faces pressure from rising claim frequencies in auto lines and a tightening labor market that can elevate expense ratios.
For a deeper dive into Kemper’s valuation dynamics and scenario analysis, you might find ValueRay’s analytical toolkit useful.
What is the price of KMPR shares?
Over the past week, the price has changed by -13.12%, over one month by -14.49%, over three months by -5.48% and over the past year by -49.53%.
Is KMPR a buy, sell or hold?
- StrongBuy: 3
- Buy: 2
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the KMPR price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 60.3 | 76% |
| Analysts Target Price | 60.3 | 76% |
| ValueRay Target Price | 31.9 | -6.8% |
KMPR Fundamental Data Overview February 07, 2026
P/E Forward = 6.3131
P/S = 0.4051
P/B = 0.825
P/EG = 4.29
Revenue TTM = 4.79b USD
EBIT TTM = 203.7m USD
EBITDA TTM = 251.4m USD
Long Term Debt = 943.1m USD (from longTermDebt, two quarters ago)
Short Term Debt = 4.80m USD (from shortTermDebt, two quarters ago)
Debt = 943.1m USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = 943.1m USD (using Total Debt 943.1m, CCE unavailable)
Enterprise Value = 2.91b USD (1.96b + Debt 943.1m - (null CCE))
Interest Coverage Ratio = 5.29 (Ebit TTM 203.7m / Interest Expense TTM 38.5m)
EV/FCF = 4.79x (Enterprise Value 2.91b / FCF TTM 606.3m)
FCF Yield = 20.86% (FCF TTM 606.3m / Enterprise Value 2.91b)
FCF Margin = 12.67% (FCF TTM 606.3m / Revenue TTM 4.79b)
Net Margin = 2.95% (Net Income TTM 141.3m / Revenue TTM 4.79b)
Gross Margin = 28.60% ((Revenue TTM 4.79b - Cost of Revenue TTM 3.42b) / Revenue TTM)
Gross Margin QoQ = none% (prev -0.04%)
Tobins Q-Ratio = unknown (Enterprise Value 2.91b / Total Assets none)
Interest Expense / Debt = 0.95% (Interest Expense 9.00m / Debt 943.1m)
Taxrate = 17.49% (28.1m / 160.7m)
NOPAT = 168.1m (EBIT 203.7m * (1 - 17.49%))
Current Ratio = unknown (Total Current Assets none / Total Current Liabilities 9.79b)
Debt / Equity = 0.35 (Debt 943.1m / totalStockholderEquity, last quarter 2.68b)
Debt / EBITDA = 3.75 (Net Debt 943.1m / EBITDA 251.4m)
Debt / FCF = 1.56 (Net Debt 943.1m / FCF TTM 606.3m)
Total Stockholder Equity = 2.82b (last 4 quarters mean from totalStockholderEquity)
RoA = unknown (Net Income 141.3m / Total Assets none)
RoE = 5.01% (Net Income TTM 141.3m / Total Stockholder Equity 2.82b)
RoCE = 5.41% (EBIT 203.7m / Capital Employed (Equity 2.82b + L.T.Debt 943.1m))
RoIC = 4.41% (NOPAT 168.1m / Invested Capital 3.81b)
WACC = 6.09% (E(1.96b)/V(2.91b) * Re(8.64%) + D(943.1m)/V(2.91b) * Rd(0.95%) * (1-Tc(0.17)))
Discount Rate = 8.64% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -4.57%
[DCF Debug] Terminal Value 79.77% ; FCFF base≈411.7m ; Y1≈270.3m ; Y5≈123.3m
Fair Price DCF = 47.14 (EV 3.71b - Net Debt 943.1m = Equity 2.77b / Shares 58.7m; r=6.09% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 74.29 | EPS CAGR: 75.08% | SUE: -1.63 | # QB: 0
Revenue Correlation: -76.40 | Revenue CAGR: -4.59% | SUE: -0.16 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.94 | Chg30d=-0.228 | Revisions Net=-1 | Analysts=5
EPS current Year (2026-12-31): EPS=4.23 | Chg30d=-0.917 | Revisions Net=-2 | Growth EPS=+17.4% | Growth Revenue=-0.2%
EPS next Year (2027-12-31): EPS=5.89 | Chg30d=-0.402 | Revisions Net=-1 | Growth EPS=+39.3% | Growth Revenue=+4.3%