KMPR Stock Analysis: Kemper | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 2.026m USD | 12M Return: -6.1% | US4884011002 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 29.7M
Qual. Beats: 0
Rev. Trend: -50.6%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.9 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 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: -420.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA -0.37 > 1.0 |
| NWC/Revenue: 31.35% < 20% (prev -62.39%; Δ 93.74% < -1%) |
| CFO/TA 0.05 > 3% & CFO 565.5m > Net Income -420.8m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: -3.67 > 1.5 & < 3 |
| Outstanding Shares: last quarter (58.9m) vs 12m ago -4.15% < -2% |
| Gross Margin: 23.77% > 18% (prev 1.27%; Δ 22.50% > 0.5%) |
| Asset Turnover: 36.80% > 50% (prev 38.87%; Δ -2.08% > 0%) |
| Interest Coverage Ratio: -11.78 > 6 (EBIT TTM -426.6m / Interest Expense TTM 36.2m) |
| A: 0.12 (Total Current Assets 1.09b - Total Current Liabilities -297.1m) / Total Assets 11.6b |
| B: 0.06 (Retained Earnings 687.2m / Total Assets 11.6b) |
| C: -0.04 (EBIT TTM -426.6m / Avg Total Assets 12.0b) |
| D: 0.22 (Book Value of Equity 2.13b / Total Liabilities 9.51b) |
| Altman-Z'' = 0.97 = BB |
As of November 14, 2026, the stock is trading at USD 34.15 with a total of 720,220 shares traded. Over the past week, the price has changed by +2.28%, over one month by +23.29%, over three months by +28.41% and over the past year by -6.12%.
Current recommended Stop Loss: 30.10 (which is 11.9% 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 | 37.3 | 9.3% |
P/E Forward = 4.9529
P/S = 0.4559
P/B = 0.8908
P/EG = 0.753
Revenue TTM = 4.43b USD
EBIT TTM = -426.6m USD
EBITDA TTM = -379.0m USD
Long Term Debt = 945.0m USD (from longTermDebt, last quarter)
Short Term Debt = 17.1m USD (from shortTermDebt, last fiscal year)
Debt = 1.00b USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 924.4m USD (calculated: Debt 1.00b - CCE 80.5m)
Enterprise Value = 2.95b USD (2.03b + Debt 1.00b - CCE 80.5m)
Interest Coverage Ratio = -11.78 (Ebit TTM -426.6m / Interest Expense TTM 36.2m)
EV/FCF = 5.64x (Enterprise Value 2.95b / FCF TTM 523.5m)
FCF Yield = 17.74% (FCF TTM 523.5m / Enterprise Value 2.95b)
FCF Margin = 11.82% (FCF TTM 523.5m / Revenue TTM 4.43b)
Net Margin = -9.50% (Net Income TTM -420.8m / Revenue TTM 4.43b)
Gross Margin = 23.77% ((Revenue TTM 4.43b - Cost of Revenue TTM 3.38b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.25 (Enterprise Value 2.95b / Total Assets 11.6b)
Interest Expense / Debt = 3.60% (Interest Expense 36.2m / Debt 1.00b)
Taxrate = 16.22% (10.4m / 64.1m)
NOPAT = -357.4m (EBIT -426.6m * (1 - 16.22%)) [loss with tax shield]
Current Ratio = unknown (Total Current Assets 1.09b / Total Current Liabilities -297.1m)
Debt / Equity = 0.47 (Debt 1.00b / totalStockholderEquity, last quarter 2.13b)
Debt / EBITDA = -2.44 (negative EBITDA) (Net Debt 924.4m / EBITDA -379.0m)
Debt / FCF = 1.77 (Net Debt 924.4m / FCF TTM 523.5m)
Total Stockholder Equity = 2.41b (last 4 quarters mean from totalStockholderEquity)
RoA = -3.50% (Net Income -420.8m / Total Assets 11.6b)
RoE = -17.43% (Net Income TTM -420.8m / Total Stockholder Equity 2.41b)
RoCE = -12.70% (EBIT -426.6m / Capital Employed (Equity 2.41b + L.T.Debt 945.0m))
RoIC = -3.60% (negative operating profit) (EBIT -426.6m / (Assets 11.6b - Curr.Liab -297.1m - Cash 80.5m))
WACC = 4.90% (E(2.03b)/V(3.03b) * Re(5.84%) + D(1.00b)/V(3.03b) * Rd(3.60%) * (1-Tc(0.16)))
Discount Rate = 5.84% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -88.35 | Cagr: -4.16%
[DCF] Terminal Value 73.34% ; FCFF base≈556.6m ; Y1≈494.5m ; Y5≈410.1m
[DCF] Fair Price = 95.67 (EV 6.56b - Net Debt 924.4m = Equity 5.64b / Shares 58.9m; r=8.35% [WACC [floored]]; 5y FCF grow -13.66% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.67 | # QB: 0
Revenue Correlation: -50.61 | Revenue CAGR: -1.54% | SUE: -0.03 | # QB: 0
EPS current Quarter (2027-03-31): EPS=0.87 | Chg30d=-1.91% | Revisions=-50% | Analysts=3
EPS current Year (2026-12-31): EPS=2.24 | Chg30d=+9.33% | Revisions=-12% | GrowthEPS=-37.8% | GrowthRev=-9.0%
EPS next Year (2027-12-31): EPS=3.94 | Chg30d=-6.76% | Revisions=-50% | GrowthEPS=+76.0% | GrowthRev=-3.1%
[Analyst] Revisions Ratio: -50% (up=2, down=9)