(KMPR) Kemper - Ratings and Ratios
Auto, Commercial, Life, Health, Property
Dividends
| Dividend Yield | 3.24% |
| Yield on Cost 5y | 1.87% |
| Yield CAGR 5y | 0.82% |
| Payout Consistency | 94.1% |
| Payout Ratio | 26.2% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 31.7% |
| Value at Risk 5%th | 50.1% |
| Relative Tail Risk | -3.99% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.33 |
| Alpha | -54.52 |
| CAGR/Max DD | -0.17 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.751 |
| Beta | 0.730 |
| Beta Downside | 1.141 |
| Drawdowns 3y | |
|---|---|
| Max DD | 48.53% |
| Mean DD | 17.30% |
| Median DD | 12.69% |
Description: KMPR Kemper November 08, 2025
Kemper Corporation (NYSE:KMPR) is a U.S.-based insurance holding company that operates two primary segments: Specialty Property & Casualty (P&C) Insurance, focused on personal and commercial automobile coverage sold through independent agents and brokers, and Life Insurance, which offers individual life, accident, supplemental health, and property policies. The firm, originally founded as Unitrin in 1990, rebranded to Kemper in August 2011 and is headquartered in Chicago, Illinois.
As of the 2023 fiscal year, Kemper reported net written premiums of approximately $13.2 billion, a combined ratio of 96.8% in its P&C segment-indicating underwriting profitability-and a life segment embedded value growth of roughly 5% YoY. Return on equity (ROE) hovered around 8.5%, while the companys capital adequacy ratio remained above the regulatory minimum at 210%.
The segment’s performance is heavily influenced by macro-economic factors such as auto insurance pricing cycles, which are tied to vehicle miles traveled and claims frequency, and by interest-rate environments that affect the discounting of life-insurance liabilities. Additionally, regulatory changes in state insurance solvency standards and the broader shift toward usage-based insurance models present both risk and opportunity for Kemper.
For a deeper, data-driven look at Kemper’s valuation metrics and scenario analysis, you might find the research tools on ValueRay worth exploring.
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income (248.7m TTM) > 0 and > 6% of Revenue (6% = 290.2m TTM) |
| FCFTA 0.05 (>2.0%) and ΔFCFTA 3.94pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 45.71% (prev -106.0%; Δ 151.7pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.05 (>3.0%) and CFO 584.6m > Net Income 248.7m (YES >=105%, WARN >=100%) |
| Net Debt (835.7m) to EBITDA (411.7m) ratio: 2.03 <= 3.0 (WARN <= 3.5) |
| Current Ratio 5.92 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (61.5m) change vs 12m ago -5.27% (target <= -2.0% for YES) |
| Gross Margin 1.27% (prev 9.11%; Δ -7.84pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 38.21% (prev 35.96%; Δ 2.25pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 7.66 (EBITDA TTM 411.7m / Interest Expense TTM 44.1m) >= 6 (WARN >= 3) |
Altman Z'' 1.77
| (A) 0.18 = (Total Current Assets 2.66b - Total Current Liabilities 449.6m) / Total Assets 12.44b |
| (B) 0.10 = Retained Earnings (Balance) 1.22b / Total Assets 12.44b |
| (C) 0.03 = EBIT TTM 337.6m / Avg Total Assets 12.66b |
| (D) 0.10 = Book Value of Equity 994.9m / Total Liabilities 9.72b |
| Total Rating: 1.77 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 59.96
| 1. Piotroski 5.50pt |
| 2. FCF Yield 20.96% |
| 3. FCF Margin 12.53% |
| 4. Debt/Equity 0.35 |
| 5. Debt/Ebitda 2.03 |
| 6. ROIC - WACC (= -0.15)% |
| 7. RoE 8.73% |
| 8. Rev. Trend -78.33% |
| 9. EPS Trend 85.61% |
What is the price of KMPR shares?
Over the past week, the price has changed by -3.09%, over one month by -6.66%, over three months by -26.27% and over the past year by -43.26%.
Is KMPR a buy, sell or hold?
- Strong Buy: 3
- Buy: 2
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the KMPR price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 59.6 | 51% |
| Analysts Target Price | 59.6 | 51% |
| ValueRay Target Price | 37.5 | -5% |
KMPR Fundamental Data Overview November 25, 2025
P/E Trailing = 10.049
P/E Forward = 6.3939
P/S = 0.5049
P/B = 0.8355
P/EG = 4.29
Beta = 1.139
Revenue TTM = 4.84b USD
EBIT TTM = 337.6m USD
EBITDA TTM = 411.7m USD
Long Term Debt = 943.1m USD (from longTermDebt, last quarter)
Short Term Debt = 4.80m USD (from shortTermDebt, last quarter)
Debt = 943.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 835.7m USD (from netDebt column, last quarter)
Enterprise Value = 2.89b USD (2.45b + Debt 943.1m - CCE 496.1m)
Interest Coverage Ratio = 7.66 (Ebit TTM 337.6m / Interest Expense TTM 44.1m)
FCF Yield = 20.96% (FCF TTM 606.3m / Enterprise Value 2.89b)
FCF Margin = 12.53% (FCF TTM 606.3m / Revenue TTM 4.84b)
Net Margin = 5.14% (Net Income TTM 248.7m / Revenue TTM 4.84b)
Gross Margin = 1.27% ((Revenue TTM 4.84b - Cost of Revenue TTM 4.78b) / Revenue TTM)
Gross Margin QoQ = -0.04% (prev 8.21%)
Tobins Q-Ratio = 0.23 (Enterprise Value 2.89b / Total Assets 12.44b)
Interest Expense / Debt = 0.96% (Interest Expense 9.10m / Debt 943.1m)
Taxrate = 26.89% (-8.90m / -33.1m)
NOPAT = 246.8m (EBIT 337.6m * (1 - 26.89%))
Current Ratio = 5.92 (Total Current Assets 2.66b / Total Current Liabilities 449.6m)
Debt / Equity = 0.35 (Debt 943.1m / totalStockholderEquity, last quarter 2.73b)
Debt / EBITDA = 2.03 (Net Debt 835.7m / EBITDA 411.7m)
Debt / FCF = 1.38 (Net Debt 835.7m / FCF TTM 606.3m)
Total Stockholder Equity = 2.85b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.00% (Net Income 248.7m / Total Assets 12.44b)
RoE = 8.73% (Net Income TTM 248.7m / Total Stockholder Equity 2.85b)
RoCE = 8.91% (EBIT 337.6m / Capital Employed (Equity 2.85b + L.T.Debt 943.1m))
RoIC = 6.32% (NOPAT 246.8m / Invested Capital 3.90b)
WACC = 6.48% (E(2.45b)/V(3.39b) * Re(8.70%) + D(943.1m)/V(3.39b) * Rd(0.96%) * (1-Tc(0.27)))
Discount Rate = 8.70% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -2.42%
[DCF Debug] Terminal Value 67.54% ; FCFE base≈411.7m ; Y1≈270.3m ; Y5≈123.6m
Fair Price DCF = 37.23 (DCF Value 2.18b / Shares Outstanding 58.5m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 85.61 | EPS CAGR: 136.6% | SUE: -3.89 | # QB: 0
Revenue Correlation: -78.33 | Revenue CAGR: -4.25% | SUE: 0.05 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.21 | Chg30d=-0.156 | Revisions Net=-1 | Analysts=4
EPS next Year (2026-12-31): EPS=5.35 | Chg30d=-0.496 | Revisions Net=-1 | Growth EPS=+23.7% | Growth Revenue=+4.2%
Additional Sources for KMPR Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle