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KMPRKemper Corporation
$33.39$2.0B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
KMPR logo

Kemper Corporation

KMPR
NYSE · Property & Casualty Insurers
$33.39
At close - Nov 6, 4:00 PM EST - USD
Market Cap$1.97B
P/E-4.0x
52W High$41.74
Volume1.34M
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Capital Erosion and Underwriting Losses Signal Distress

Kemper's fundamentals have deteriorated sharply, with a $467M operating loss in 2026Q2 and a combined ratio of 100.7% in 2026Q1, indicating severe underwriting strain. The company's equity has fallen 27% from $3.0B in 2025Q2 to $2.2B in 2026Q2, while cash flow shows net investment sales of $746.9M to fund operations.

GrowthDecelerating
ProfitabilityStrained
ValuationAttractive
TechnicalsNeutral
Explore valuation models
MARKET ACTION

KMPR price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

7/12 Beats

EPS beat 7 of last 12 quarters

02

Valuation risk

-132% Peers

P/E is 132% below peer median

03

Market leadership

RS 81 · Leader

High momentum (Outperforming 81% of market)

04

Trend Check

N/A

Trend data unavailable

Next CatalystConfirmed earnings · Nov 9

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
KMPR-13.10%
S&P 500 (^GSPC)+7.63%
1-Year Return
KMPR-5.09%
S&P 500 (^GSPC)+9.69%
3-Year Return
KMPR-10.71%
S&P 500 (^GSPC)+61.86%
5-Year Return
KMPR-37.02%
S&P 500 (^GSPC)+50.63%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
-4.0x
Forward P/E
15.2x
EV/EBITDA
N/A
FCF YieldCash Flow
24.1%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
-4.0x
17.7x
0th· Low
EV/EBITDA
N/A
14.5x
N/A
Price/FCF
4.1x
12.9x
0th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$17.81-46.7%
Base (Fair)$34.05+2.0%
Bull$54.47+63.1%
$17.81 Bear$34.05 Base$54.47 Bull
Current Market Price: $33.39
Trades at a 1.9% discount to Base DCF ($34.05)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$4.8B+3.6% YoY
Net income FY25
$143M-54.9% YoY
Free cash flow FY25
$554M+68.0% YoY
Operating margin FY25
3.3%-5.0 pts YoY
ROIC (FY25)3.1%
Avg ROIC 5Y-1.3%
ROE (TTM)-19.4%
Piotroski Score7 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate7/12 (58%)
Revenue Beat Rate7/12 (58%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 5, 2026
$0.45+31.8%
vs $0.34
$1.1B-6.2%
vs $1.2B
Q2 2026
May 6, 2026
$0.21-74.1%
vs $0.81
$1.1B-5.4%
vs $1.2B
Q1 2026
Feb 4, 2026
$0.25-70.6%
vs $0.85
$1.1B-4.5%
vs $1.2B
Q4 2025
Nov 5, 2025
$0.33-75.2%
vs $1.33
$1.2B+1.6%
vs $1.2B
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Business Wire·2d ago
Kemper Announces Quarterly Dividend

CHICAGO--(BUSINESS WIRE)--Kemper Corporation (NYSE: KMPR) announced today that its Board of Directors has declared a quarterly dividend of $0.32 per share. The dividend is payable on December 2, 2026, to Kemper's shareholders of record as of November 16, 2026. About Kemper The Kemper family of companies is one of the nation's leading specialized insurers. With approximately $12 billion in assets, Kemper is improving the world of insurance by providing affordable and easy-to-use personalized sol.

Zacks Investment Research·2d ago
Exploring Analyst Estimates for Kemper (KMPR) Q3 Earnings, Beyond Revenue and EPS

Looking beyond Wall Street's top-and-bottom-line estimate forecasts for Kemper (KMPR), delve into some of its key metrics to gain a deeper insight into the company's potential performance for the quarter ended September 2026.

Zacks Investment Research·5d ago
Kemper (KMPR) Reports Next Week: Wall Street Expects Earnings Growth

Kemper (KMPR) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Zacks Investment Research·5d ago
Is Kemper (KMPR) Stock Undervalued Right Now?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Filtered for Kemper CorporationMore Headlines
04

Compare before deciding

Benchmark KMPR against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Kemper Corporation (KMPR)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
KMPR logoKMPRKemper CorporationCurrent
$33.39$1.97B-3.973.62%-10.83%-19.42%3.81%
HCI logoHCIHCI Group, Inc.
$186.03$2.37B7.1220.21%33.48%28.01%0.8%
PLMR logoPLMRPalomar Holdings, Inc.
$155.71$4.13B19.3758.16%17.6%22.45%—
ACGL logoACGLArch Capital Group Ltd.
$107.28$37.48B8.3714.27%23.19%18.35%0.02%
KINS logoKINSKingstone Companies, Inc.
$20.46$296.36M0.0228.39%26.01%51.37%0.49%
PGR logoPGRThe Progressive Corporation
$227.77$132.61B11.4116.32%12.67%35.44%2.14%

Compare KMPR vs Peers

Kemper Corporation (KMPR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HCI

Most directly comparable listed peer for KMPR.

Scale Benchmark

vs PGR

Larger-name benchmark to compare KMPR against a more recognizable public peer.

Peer Set

Compare Top 5

vs HCI, PLMR, ACGL, KINS

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

KMPR SEC Filings & Documents

Kemper Corporation (KMPR) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 5, 2026·SEC

Material company update

Jul 21, 2026·SEC

Material company update

May 27, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 11, 2026·SEC

FY 2025

Feb 7, 2025·SEC

FY 2024

Feb 7, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 5, 2026·SEC

FY 2026

May 6, 2026·SEC

FY 2025

Nov 5, 2025·SEC

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KMPR Frequently Asked Questions

Kemper Corporation (KMPR) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Kemper Corporation growing?

Kemper Corporation (KMPR) revenue fell by 4.1% over the trailing twelve months, compared with the twelve months before.

Is KMPR profitable?

No. Kemper Corporation (KMPR) reported a net loss of $495.5M over the trailing twelve months.

Dividend & Returns
Does KMPR pay dividends?

Yes. Kemper Corporation (KMPR) pays a dividend that yields 3.81% at the current price, a moderate yield.

What is KMPR's return on equity?

Kemper Corporation (KMPR) had a return on equity (ROE) of -19.4% over the trailing twelve months. A negative ROE means the company lost money over the period.

Industry Metrics
What is Kemper Corporation's combined ratio?

Kemper Corporation (KMPR) has a combined ratio of 96.7%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in KMPR back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →