(KMPR) Kemper - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US4884011002
Stock: Auto Insurance, Life Insurance, Health Insurance
Total Rating 21
Risk 73
Buy Signal -0.86
| Risk 5d forecast | |
|---|---|
| Volatility | 31.1% |
| Relative Tail Risk | -2.88% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.55 |
| Alpha | -64.27 |
| Character TTM | |
|---|---|
| Beta | 0.719 |
| Beta Downside | 0.442 |
| Drawdowns 3y | |
|---|---|
| Max DD | 55.83% |
| CAGR/Max DD | -0.29 |
EPS (Earnings per Share)
Revenue
Description: KMPR Kemper March 04, 2026
Kemper Corporation is a US-based insurance holding company.
KMPR operates in two segments: Specialty Property & Casualty Insurance and Life Insurance. The Specialty Property & Casualty segment focuses on personal and commercial auto insurance. The Life Insurance segment offers individual life, accident, supplemental health, and property insurance products. The insurance sector is characterized by underwriting risk and managing investment portfolios.
The company was founded in 1990 and rebranded as Kemper Corporation in 2011.
To deepen your understanding of KMPRs financial performance, further research on ValueRay is recommended.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 143.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 1.41 > 1.0 |
| NWC/Revenue: 22.78% < 20% (prev 14.70%; Δ 8.09% < -1%) |
| CFO/TA 0.05 > 3% & CFO 584.5m > Net Income 143.3m |
| Net Debt (817.5m) to EBITDA (160.7m): 5.09 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (58.8m) vs 12m ago -9.02% < -2% |
| Gross Margin: 10.82% > 18% (prev 0.01%; Δ 1081 % > 0.5%) |
| Asset Turnover: 38.16% > 50% (prev 36.68%; Δ 1.48% > 0%) |
| Interest Coverage Ratio: 4.17 > 6 (EBITDA TTM 160.7m / Interest Expense TTM 38.5m) |
Altman Z'' 1.07
| A: 0.09 (Total Current Assets 1.09b - Total Current Liabilities 0.0) / Total Assets 12.47b |
| B: 0.09 (Retained Earnings 1.16b / Total Assets 12.47b) |
| C: 0.01 (EBIT TTM 160.7m / Avg Total Assets 12.55b) |
| D: 0.10 (Book Value of Equity 957.5m / Total Liabilities 9.80b) |
| Altman-Z'' Score: 1.07 = BB |
Beneish M
| DSRI: 0.76 (Receivables 965.2m/1.24b, Revenue 4.79b/4.63b) |
| GMI: 0.05 (GM 10.82% / 0.56%) |
| AQI: none (AQ_t none / AQ_t-1 none) |
| SGI: 1.03 (Revenue 4.79b / 4.63b) |
| TATA: -0.04 (NI 143.3m - CFO 584.5m) / TA 12.47b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of KMPR shares?
As of March 06, 2026, the stock is trading at USD 32.56 with a total of 439,301 shares traded.
Over the past week, the price has changed by +0.28%, over one month by -1.71%, over three months by -16.65% and over the past year by -49.46%.
Over the past week, the price has changed by +0.28%, over one month by -1.71%, over three months by -16.65% and over the past year by -49.46%.
Is KMPR a buy, sell or hold?
Kemper has received a consensus analysts rating of 4.33.
Therefore, it is recommended to buy KMPR.
- 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 | 57.3 | 76.1% |
| Analysts Target Price | 57.3 | 76.1% |
KMPR Fundamental Data Overview March 05, 2026
P/E Trailing = 14.1733
P/E Forward = 5.3248
P/S = 0.3909
P/B = 0.711
P/EG = 4.29
Revenue TTM = 4.79b USD
EBIT TTM = 160.7m USD
EBITDA TTM = 160.7m USD
Long Term Debt = 943.5m USD (from longTermDebt, last quarter)
Short Term Debt = 17.1m USD (from shortTermDebt, last quarter)
Debt = 943.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 817.5m USD (from netDebt column, last quarter)
Enterprise Value = 2.69b USD (1.87b + Debt 943.5m - CCE 126.0m)
Interest Coverage Ratio = 4.17 (Ebit TTM 160.7m / Interest Expense TTM 38.5m)
EV/FCF = 4.86x (Enterprise Value 2.69b / FCF TTM 553.9m)
FCF Yield = 20.59% (FCF TTM 553.9m / Enterprise Value 2.69b)
FCF Margin = 11.57% (FCF TTM 553.9m / Revenue TTM 4.79b)
Net Margin = 2.99% (Net Income TTM 143.3m / Revenue TTM 4.79b)
Gross Margin = 10.82% ((Revenue TTM 4.79b - Cost of Revenue TTM 4.27b) / Revenue TTM)
Gross Margin QoQ = 24.77% (prev -0.04%)
Tobins Q-Ratio = 0.22 (Enterprise Value 2.69b / Total Assets 12.47b)
Interest Expense / Debt = 0.95% (Interest Expense 9.00m / Debt 943.5m)
Taxrate = 17.49% (28.1m / 160.7m)
NOPAT = 132.6m (EBIT 160.7m * (1 - 17.49%))
Current Ratio = unknown (Total Current Assets 1.09b / Total Current Liabilities 0.0)
Debt / Equity = 0.35 (Debt 943.5m / totalStockholderEquity, last quarter 2.68b)
Debt / EBITDA = 5.09 (Net Debt 817.5m / EBITDA 160.7m)
Debt / FCF = 1.48 (Net Debt 817.5m / FCF TTM 553.9m)
Total Stockholder Equity = 2.82b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.14% (Net Income 143.3m / Total Assets 12.47b)
RoE = 5.08% (Net Income TTM 143.3m / Total Stockholder Equity 2.82b)
RoCE = 4.27% (EBIT 160.7m / Capital Employed (Equity 2.82b + L.T.Debt 943.5m))
RoIC = 3.52% (NOPAT 132.6m / Invested Capital 3.76b)
WACC = 5.77% (E(1.87b)/V(2.82b) * Re(8.28%) + D(943.5m)/V(2.82b) * Rd(0.95%) * (1-Tc(0.17)))
Discount Rate = 8.28% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -4.57%
[DCF] Terminal Value 80.82% ; FCFF base≈485.5m ; Y1≈318.7m ; Y5≈145.4m
[DCF] Fair Price = 64.99 (EV 4.63b - Net Debt 817.5m = Equity 3.82b / Shares 58.7m; r=5.90% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 74.29 | EPS CAGR: 75.08% | SUE: -1.44 | # QB: 0
Revenue Correlation: -76.16 | Revenue CAGR: -4.49% | SUE: -0.13 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.87 | Chg7d=-0.095 | Chg30d=-0.222 | Revisions Net=-4 | Analysts=6
EPS current Year (2026-12-31): EPS=3.84 | Chg7d=-0.391 | Chg30d=-0.996 | Revisions Net=-5 | Growth EPS=+6.6% | Growth Revenue=-2.9%
EPS next Year (2027-12-31): EPS=5.25 | Chg7d=-0.643 | Chg30d=-0.928 | Revisions Net=-3 | Growth EPS=+36.8% | Growth Revenue=+2.6%
[Analyst] Revisions Ratio: -1.00 (0 Up / 4 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.2% (Discount Rate 8.3% - Earnings Yield 7.1%)
[Growth] Growth Spread = -6.1% (Analyst -4.9% - Implied 1.2%)
P/E Forward = 5.3248
P/S = 0.3909
P/B = 0.711
P/EG = 4.29
Revenue TTM = 4.79b USD
EBIT TTM = 160.7m USD
EBITDA TTM = 160.7m USD
Long Term Debt = 943.5m USD (from longTermDebt, last quarter)
Short Term Debt = 17.1m USD (from shortTermDebt, last quarter)
Debt = 943.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 817.5m USD (from netDebt column, last quarter)
Enterprise Value = 2.69b USD (1.87b + Debt 943.5m - CCE 126.0m)
Interest Coverage Ratio = 4.17 (Ebit TTM 160.7m / Interest Expense TTM 38.5m)
EV/FCF = 4.86x (Enterprise Value 2.69b / FCF TTM 553.9m)
FCF Yield = 20.59% (FCF TTM 553.9m / Enterprise Value 2.69b)
FCF Margin = 11.57% (FCF TTM 553.9m / Revenue TTM 4.79b)
Net Margin = 2.99% (Net Income TTM 143.3m / Revenue TTM 4.79b)
Gross Margin = 10.82% ((Revenue TTM 4.79b - Cost of Revenue TTM 4.27b) / Revenue TTM)
Gross Margin QoQ = 24.77% (prev -0.04%)
Tobins Q-Ratio = 0.22 (Enterprise Value 2.69b / Total Assets 12.47b)
Interest Expense / Debt = 0.95% (Interest Expense 9.00m / Debt 943.5m)
Taxrate = 17.49% (28.1m / 160.7m)
NOPAT = 132.6m (EBIT 160.7m * (1 - 17.49%))
Current Ratio = unknown (Total Current Assets 1.09b / Total Current Liabilities 0.0)
Debt / Equity = 0.35 (Debt 943.5m / totalStockholderEquity, last quarter 2.68b)
Debt / EBITDA = 5.09 (Net Debt 817.5m / EBITDA 160.7m)
Debt / FCF = 1.48 (Net Debt 817.5m / FCF TTM 553.9m)
Total Stockholder Equity = 2.82b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.14% (Net Income 143.3m / Total Assets 12.47b)
RoE = 5.08% (Net Income TTM 143.3m / Total Stockholder Equity 2.82b)
RoCE = 4.27% (EBIT 160.7m / Capital Employed (Equity 2.82b + L.T.Debt 943.5m))
RoIC = 3.52% (NOPAT 132.6m / Invested Capital 3.76b)
WACC = 5.77% (E(1.87b)/V(2.82b) * Re(8.28%) + D(943.5m)/V(2.82b) * Rd(0.95%) * (1-Tc(0.17)))
Discount Rate = 8.28% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -4.57%
[DCF] Terminal Value 80.82% ; FCFF base≈485.5m ; Y1≈318.7m ; Y5≈145.4m
[DCF] Fair Price = 64.99 (EV 4.63b - Net Debt 817.5m = Equity 3.82b / Shares 58.7m; r=5.90% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 74.29 | EPS CAGR: 75.08% | SUE: -1.44 | # QB: 0
Revenue Correlation: -76.16 | Revenue CAGR: -4.49% | SUE: -0.13 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.87 | Chg7d=-0.095 | Chg30d=-0.222 | Revisions Net=-4 | Analysts=6
EPS current Year (2026-12-31): EPS=3.84 | Chg7d=-0.391 | Chg30d=-0.996 | Revisions Net=-5 | Growth EPS=+6.6% | Growth Revenue=-2.9%
EPS next Year (2027-12-31): EPS=5.25 | Chg7d=-0.643 | Chg30d=-0.928 | Revisions Net=-3 | Growth EPS=+36.8% | Growth Revenue=+2.6%
[Analyst] Revisions Ratio: -1.00 (0 Up / 4 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.2% (Discount Rate 8.3% - Earnings Yield 7.1%)
[Growth] Growth Spread = -6.1% (Analyst -4.9% - Implied 1.2%)