(KMPR) Kemper - Overview
Sector: Financial Services | Industry: Insurance - Property & Casualty | Exchange: NYSE (USA) | Market Cap: 1.814m USD | Total Return: -52.9% in 12m
Auto Insurance, Life Insurance, Health Insurance, Property Insurance
Total Rating 16
Safety 31
Buy Signal -1.25
Insurance - Property & Casualty
Industry Rotation: +6.7
Industry Rotation: +6.7
Market Cap:
1.81B
Avg Turnover: 29.7M
Avg Turnover: 29.7M
Risk 3d forecast
Volatility35.7%
VaR 5th Pctl6.20%
VaR vs Median5.61%
Reward TTM
Sharpe Ratio-1.74
Rel. Str. IBD6.7
Rel. Str. Peer Group5.7
Character TTM
Beta0.662
Beta Downside0.826
Hurst Exponent0.551
Drawdowns 3y
Max DD58.21%
CAGR/Max DD-0.18
CAGR/Mean DD-0.63
EPS (Earnings per Share)
EPS CAGR: 31.17%
EPS Trend: 61.5%
EPS Trend: 61.5%
Last SUE: -1.16
Qual. Beats: -4
Qual. Beats: -4
Revenue
Rev. CAGR: -5.74%
Rev. Trend: -76.5%
Rev. Trend: -76.5%
Last SUE: -0.21
Qual. Beats: 0
Qual. Beats: 0
Warnings
Fakeout
Tailwinds
No distinct edge detected
Description: KMPR Kemper
Kemper Corporation (NYSE: KMPR) is a Chicago-based insurance holding company operating through two primary divisions: Specialty Property & Casualty (P&C) Insurance and Life Insurance. The Specialty P&C segment focuses on non-standard personal and commercial automobile coverage, distributed via a network of independent agents and brokers. The Life Insurance segment provides individual life, accident, and supplemental health products.
The company operates within the non-standard auto insurance sector, which serves drivers who may not qualify for standard rates due to credit scores, driving history, or lack of prior coverage. Unlike diversified insurers, Kemper’s business model relies heavily on risk-based pricing and specialized claims handling within these niche markets. For more detailed valuation metrics and performance trends, consider reviewing the latest data on ValueRay.
- Specialty auto loss ratios improve through strategic rate hikes and underwriting discipline
- Higher interest rates boost investment income yields on life insurance portfolio assets
- Regulatory scrutiny of non-standard auto insurance pricing impacts premium growth potential
- Claim frequency and severity trends drive profitability in specialty property and casualty segments
- Operational restructuring and expense reduction initiatives enhance consolidated statutory capital levels
Piotroski VR‑10 (Strict)
2.5
| Net Income: 41.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA -0.53 > 1.0 |
| NWC/Revenue: 23.13% < 20% (prev -57.25%; Δ 80.38% < -1%) |
| CFO/TA 0.04 > 3% & CFO 493.3m > Net Income 41.9m |
| Net Debt (851.9m) to EBITDA (30.0m): 28.40 < 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: 14.05% > 18% (prev 0.04%; Δ 1.40k% > 0.5%) |
| Asset Turnover: 37.85% > 50% (prev 37.55%; Δ 0.31% > 0%) |
| Interest Coverage Ratio: 0.85 > 6 (EBITDA TTM 30.0m / Interest Expense TTM 36.4m) |
Altman Z''
0.99
| A: 0.09 (Total Current Assets 1.09b - Total Current Liabilities 0.0) / Total Assets 12.41b |
| B: 0.09 (Retained Earnings 1.14b / Total Assets 12.41b) |
| C: 0.00 (EBIT TTM 30.9m / Avg Total Assets 12.44b) |
| D: 0.09 (Book Value of Equity 917.0m / Total Liabilities 9.78b) |
| Altman-Z'' Score: 0.99 = BB |
What is the price of KMPR shares?
As of May 18, 2026, the stock is trading at USD 29.69 with a total of 987,125 shares traded.
Over the past week, the price has changed by -1.98%, over one month by -10.44%, over three months by -8.19% and over the past year by -52.90%.
Over the past week, the price has changed by -1.98%, over one month by -10.44%, over three months by -8.19% and over the past year by -52.90%.
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?
| Analysts Target Price | 52.3 | 76.3% |
Kemper (KMPR) - Fundamental Data Overview
as of 13 May 2026
P/E Trailing = 42.7917 P/E Forward = 4.9529
P/S = 0.3855
P/B = 0.673
P/EG = 0.753
Revenue TTM = 4.71b USD
EBIT TTM = 30.9m USD
EBITDA TTM = 30.0m USD
Long Term Debt = 943.5m USD (from longTermDebt, last fiscal year)
Short Term Debt = 17.1m USD (from shortTermDebt, last fiscal year)
Debt = 944.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 851.9m USD (from netDebt column, last quarter)
Enterprise Value = 2.67b USD (1.81b + Debt 944.0m - CCE 92.1m)
Interest Coverage Ratio = 0.85 (Ebit TTM 30.9m / Interest Expense TTM 36.4m)
EV/FCF = 5.80x (Enterprise Value 2.67b / FCF TTM 459.5m)
FCF Yield = 17.24% (FCF TTM 459.5m / Enterprise Value 2.67b)
FCF Margin = 9.76% (FCF TTM 459.5m / Revenue TTM 4.71b)
Net Margin = 0.89% (Net Income TTM 41.9m / Revenue TTM 4.71b)
Gross Margin = 14.05% ((Revenue TTM 4.71b - Cost of Revenue TTM 4.05b) / Revenue TTM)
Gross Margin QoQ = 25.26% (prev 24.77%)
Tobins Q-Ratio = 0.21 (Enterprise Value 2.67b / Total Assets 12.41b)
Interest Expense / Debt = 0.99% (Interest Expense 9.30m / Debt 944.0m)
Taxrate = 17.49% (28.1m / 160.7m)
NOPAT = 25.5m (EBIT 30.9m * (1 - 17.49%))
Current Ratio = unknown (Total Current Assets 1.09b / Total Current Liabilities 0.0)
Debt / Equity = 0.36 (Debt 944.0m / totalStockholderEquity, last quarter 2.65b)
Debt / EBITDA = 28.40 (Net Debt 851.9m / EBITDA 30.0m)
Debt / FCF = 1.85 (Net Debt 851.9m / FCF TTM 459.5m)
Total Stockholder Equity = 2.75b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.34% (Net Income 41.9m / Total Assets 12.41b)
RoE = 1.52% (Net Income TTM 41.9m / Total Stockholder Equity 2.75b)
RoCE = 0.84% (EBIT 30.9m / Capital Employed (Equity 2.75b + L.T.Debt 943.5m))
RoIC = 0.68% (NOPAT 25.5m / Invested Capital 3.73b)
WACC = 5.74% (E(1.81b)/V(2.76b) * Re(8.31%) + D(944.0m)/V(2.76b) * Rd(0.99%) * (1-Tc(0.17)))
Discount Rate = 8.31% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -58.43 | Cagr: -4.07%
[DCF] Terminal Value 83.72% ; FCFF base≈486.7m ; Y1≈387.9m ; Y5≈261.4m
[DCF] Fair Price = 121.6 (EV 8.01b - Net Debt 851.9m = Equity 7.16b / Shares 58.9m; r=6.0% [WACC]; 5y FCF grow -24.29% → 3.0% )
EPS Correlation: 61.47 | EPS CAGR: 31.17% | SUE: -1.16 | # QB: -4
Revenue Correlation: -76.51 | Revenue CAGR: -5.74% | SUE: -0.21 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.64 | Chg30d=-27.19% | Revisions=-20% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.93 | Chg30d=-11.75% | Revisions=-20% | Analysts=4
EPS current Year (2026-12-31): EPS=3.03 | Chg30d=-20.91% | Revisions=-20% | GrowthEPS=-15.7% | GrowthRev=-4.2%
EPS next Year (2027-12-31): EPS=4.84 | Chg30d=-7.81% | Revisions=-20% | GrowthEPS=+59.4% | GrowthRev=+2.3%
[Analyst] Revisions Ratio: -20%