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KMPRKemper Corporation
$25.85$1.5B
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 Insurance
$25.85
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$1.52B
P/E11.3x
52W High$52.39
Volume693.84K
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...

GrowthDecelerating
ProfitabilityStrained
ValuationAttractive
TechnicalsWeak
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

-33% Peers

P/E is 33% below peer median

03

Market leadership

RS 28 · Lag

Laggard (Underperforming 72% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Nov 5

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
KMPR-32.18%
S&P 500 (^GSPC)+12.39%
1-Year Return
KMPR-47.32%
S&P 500 (^GSPC)+15.77%
3-Year Return
KMPR-31.53%
S&P 500 (^GSPC)+77.90%
5-Year Return
KMPR-52.37%
S&P 500 (^GSPC)+71.39%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
11.3x
Forward P/E
12.9x
EV/EBITDA0th %ile
10.2x
FCF YieldCash Flow
36.4%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
11.3x
17.7x
0th· Low
EV/EBITDA
10.2x
14.5x
0th· Low
Price/FCF
2.7x
12.9x
0th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$12.79-50.5%
Base (Fair)$25.68-3.0%
Bull$42.13+63.0%
$12.79 Bear$25.68 Base$42.13 Bull
Current Market Price: $25.85
Trades at a 0.7% premium to Base DCF ($25.68)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$4.8B+3.6% YoY
Net income
$143M-54.9% YoY
Free cash flow
$554M+68.0% YoY
Operating margin
3.3%-5.0 pts YoY
ROIC (TTM)3.1%
Avg ROIC 5Y-
ROE (TTM)5.3%
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

5 Stories
Business Wire·Sep 11, 2026
AM Best Revises Outlooks to Negative for Kemper Corporation, Its Affiliates and Subsidiaries

OLDWICK, N.J.--(BUSINESS WIRE)-- #insurance--AM Best has revised the outlooks to negative from stable and affirmed the Financial Strength Rating (FSR) of A- (Excellent) and the Long-Term Issuer Credit Ratings (Long-Term ICRs) of “a-” (Excellent) of the property/casualty subsidiaries and affiliated insurance companies of Kemper Corporation (Kemper) [NYSE: KMPR], collectively referred to as Kemper Property & Casualty Group (Kemper P&C or the group). AM Best also has revised the outlooks to negative fro.

GlobeNewsWire·Aug 31, 2026
PennantPark Floating Rate Capital Ltd.'s Unconsolidated Joint Venture, PennantPark Senior Secured Loan Fund I LLC Completes the Reset of $316.7 Million Securitization, Substantially Reducing Borrowing Costs

MIAMI, Aug. 31, 2026 (GLOBE NEWSWIRE) -- PennantPark Floating Rate Capital Ltd. (the “Company”) (NYSE: PFLT) announced that PennantPark Senior Secured Loan Fund I LLC (“PSSL”), through PSSL's wholly-owned and consolidated subsidiary, PennantPark CLO II, Ltd (“CLO II”), has closed the reset of a four-year reinvestment period, twelve-year final maturity $316.7 million debt securitization.

Defense World·Aug 28, 2026
BlackRock Inc. Invests $227.33 Million in Kemper Corporation $KMPR

BlackRock Inc. bought a new position in shares of Kemper Corporation (NYSE: KMPR) during the undefined quarter, according to the company in its most recent Form 13F filing with the SEC. The firm bought 8,432,146 shares of the insurance provider's stock, valued at approximately $227,331,000. BlackRock Inc. owned approximately 14.32% of Kemper as

MarketBeat·Aug 8, 2026
Kemper Q2 Earnings Call Highlights

Kemper NYSE: KMPR reported a second-quarter net loss of $464.8 million, or $7.90 per share, as a $460 million non-cash goodwill impairment in its specialty auto segment weighed on GAAP results. Adjusted consolidated net operating income was $26.3 million, or $0.45 per share, as the insurer cited sequential improvement in underlying operating performance.

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
$25.85$1.52B11.293.62%2.99%5.26%4.92%
HCI logoHCIHCI Group, Inc.
$176.12$2.25B7.0820.21%32.6%28.69%—
PLMR logoPLMRPalomar Holdings, Inc.
$127.21$3.37B17.7458.16%18.61%21.61%—
ACGL logoACGLArch Capital Group Ltd.
$95.16$33.25B8.1914.27%24.44%19.52%—
KINS logoKINSKingstone Companies, Inc.
$18.57$268.98M6.4528.39%15.9%0.11%—
PGR logoPGRThe Progressive Corporation
$203.13$119.22B10.5616.32%12.93%35.45%—

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) grew revenue by 3.6% over the past year. Growth has been modest.

Is KMPR profitable?

Kemper Corporation (KMPR) reported a net loss of $495.5M for fiscal year 2025.

Dividend & Returns
Does KMPR pay dividends?

Yes, Kemper Corporation (KMPR) pays a dividend with a yield of 4.92%. This makes it attractive for income-focused investors.

What is KMPR's return on equity?

Kemper Corporation (KMPR) has a return on equity (ROE) of 5.3%. This is below average, suggesting room for improvement.

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 →