KMPR Stock Analysis: Kemper | NYSE
Insurance - Property & Casualty | NYSE, USA | Market Cap: 1.578m USD | 12M Return: -52.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 31.6M
Qual. Beats: -4
Rev. Trend: -59.5%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Kemper Corporation (NYSE: KMPR) is a U.S.-based 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 distributed through independent agents and brokers, while the Life Insurance segment offers individual life, accident, supplemental health, and property insurance products. The company was incorporated in 1990, headquartered in Chicago, Illinois, and was formerly known as Unitrin, Inc. before adopting its current name in August 2011. As a multi-line insurer, Kemper relies heavily on the independent agency distribution channel, which is a common model among specialty U.S. insurers that target niche markets rather than competing directly with large national carriers on standard personal lines.
- Specialty auto combined ratio trends on pricing and loss costs
- Investment income grows as higher rates boost portfolio yields
- Severe weather and catastrophe losses pressure underwriting margins
| 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: -69.22% < 20% (prev -57.25%; Δ -11.97% < -1%) |
| CFO/TA 0.04 > 3% & CFO 493.3m > Net Income 41.9m |
| Net Debt (545.6m) to EBITDA (104.3m): 5.23 < 3 |
| Current Ratio: 0.33 > 1.5 & < 3 |
| Outstanding Shares: last quarter (58.8m) vs 12m ago -9.02% < -2% |
| Gross Margin: 14.05% > 18% (prev 3.94%; Δ 10.11% > 0.5%) |
| Asset Turnover: 37.85% > 50% (prev 37.55%; Δ 0.31% > 0%) |
| Interest Coverage Ratio: 0.85 > 6 (EBIT TTM 30.9m / Interest Expense TTM 36.4m) |
| A: -0.26 (Total Current Assets 1.63b - Total Current Liabilities 4.89b) / Total Assets 12.4b |
| B: 0.09 (Retained Earnings 1.14b / Total Assets 12.4b) |
| C: 0.00 (EBIT TTM 30.9m / Avg Total Assets 12.4b) |
| D: 0.27 (Book Value of Equity 2.65b / Total Liabilities 9.78b) |
| Altman-Z'' = -1.12 = CCC |
As of July 03, 2026, the stock is trading at USD 28.83 with a total of 904,869 shares traded. Over the past week, the price has changed by +13.50%, over one month by +18.89%, over three months by -4.82% and over the past year by -52.48%.
Current recommended Stop Loss: 27.30 (which is 5.3% or 1.4 ATR below the current price).
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
| Analysts Target Price | 51 | 76.9% |
P/E Trailing = 37.2361
P/E Forward = 4.9529
P/S = 0.3355
P/B = 0.5957
P/EG = 0.753
Revenue TTM = 4.71b USD
EBIT TTM = 30.9m USD
EBITDA TTM = 104.3m USD
Long Term Debt = 944.0m USD (from longTermDebt, last quarter)
Short Term Debt = 17.1m USD (from shortTermDebt, last fiscal year)
Debt = 944.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 545.6m USD (calculated: Debt 944.0m - CCE 398.4m)
Enterprise Value = 2.12b USD (1.58b + Debt 944.0m - CCE 398.4m)
Interest Coverage Ratio = 0.85 (Ebit TTM 30.9m / Interest Expense TTM 36.4m)
EV/FCF = 4.62x (Enterprise Value 2.12b / FCF TTM 459.5m)
FCF Yield = 21.63% (FCF TTM 459.5m / Enterprise Value 2.12b)
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 = 0.17 (Enterprise Value 2.12b / Total Assets 12.4b)
Interest Expense / Debt = 3.86% (Interest Expense 36.4m / Debt 944.0m)
Taxrate = 5.45% (1.80m / 33.0m)
NOPAT = 29.2m (EBIT 30.9m * (1 - 5.45%))
Current Ratio = 0.33 (Total Current Assets 1.63b / Total Current Liabilities 4.89b)
Debt / Equity = 0.36 (Debt 944.0m / totalStockholderEquity, last quarter 2.65b)
Debt / EBITDA = 5.23 (Net Debt 545.6m / EBITDA 104.3m)
Debt / FCF = 1.19 (Net Debt 545.6m / FCF TTM 459.5m)
Total Stockholder Equity = 2.75b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.34% (Net Income 41.9m / Total Assets 12.4b)
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 944.0m))
RoIC = 0.40% (NOPAT 29.2m / Invested Capital 7.30b)
WACC = 6.19% (E(1.58b)/V(2.52b) * Re(7.71%) + D(944.0m)/V(2.52b) * Rd(3.86%) * (1-Tc(0.05)))
Discount Rate = 7.71% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -58.43 | Cagr: -4.07%
[DCF] Terminal Value 73.47% ; FCFF base≈486.7m ; Y1≈435.6m ; Y5≈366.6m
[DCF] Fair Price = 90.18 (EV 5.85b - Net Debt 545.6m = Equity 5.31b / Shares 58.9m; r=8.35% [WACC [floored]]; 5y FCF grow -12.89% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: -1.19 | # QB: -4
Revenue Correlation: -59.51 | Revenue CAGR: -2.60% | SUE: -0.21 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.58 | Chg30d=+1.44% | Revisions=-56% | Analysts=6
EPS current Year (2026-12-31): EPS=1.98 | Chg30d=+0.46% | Revisions=-56% | GrowthEPS=-44.9% | GrowthRev=-2.7%
EPS next Year (2027-12-31): EPS=4.45 | Chg30d=-2.67% | Revisions=-50% | GrowthEPS=+124.1% | GrowthRev=+5.5%
[Analyst] Revisions Ratio: -56%