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KemperNYSE:KMPR Stock Report

Last Price


Market Cap







16 Jan, 2022


Company Financials +
KMPR fundamental analysis
Snowflake Score
Future Growth3/6
Past Performance1/6
Financial Health4/6

KMPR Stock Overview

Kemper Corporation, a diversified insurance holding company, provides property and casualty, and life and health insurance in the United States.

Kemper Competitors







Travelers Companies






Price History & Performance

Summary of all time highs, changes and price drops for Kemper
Historical stock prices
Current Share PriceUS$64.00
52 Week HighUS$83.98
52 Week LowUS$51.39
1 Month Change19.43%
3 Month Change-1.92%
1 Year Change-17.12%
3 Year Change-14.20%
5 Year Change46.12%
Change since IPO303.15%

Recent News & Updates

Aug 13

Kemper Hammered With Higher Losses, But The Longer-Term Value Is Still Meaningful

Kemper reported far larger than expected losses in the second quarter, with higher auto accident frequency (related to the lifting of COVID-19 restrictions) and severity wiping out underwriting profits. It will take a few quarters to fix the issue, as auto insurance rates are regulated and Kemper cannot immediately pass on all the rate increases it wants and needs. If Kemper's loss experiences prove to be typical, it could force some "hot hands" out of the non-standard auto market who entered in recent years chasing higher returns. At 1x book and with a good operating history up until now, Kemper shares look undervalued, but there is still a risk of even larger losses and it will take time to fix.

Shareholder Returns

KMPRUS InsuranceUS Market

Return vs Industry: KMPR underperformed the US Insurance industry which returned 23.5% over the past year.

Return vs Market: KMPR underperformed the US Market which returned 13.7% over the past year.

Price Volatility

Is KMPR's price volatile compared to industry and market?
KMPR volatility
KMPR Average Weekly Movement4.9%
Insurance Industry Average Movement4.2%
Market Average Movement6.6%
10% most volatile stocks in US Market15.9%
10% least volatile stocks in US Market2.4%

Stable Share Price: KMPR is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: KMPR's weekly volatility (5%) has been stable over the past year.

About the Company

19909,500Joe Lacher

Kemper Corporation, a diversified insurance holding company, provides property and casualty, and life and health insurance in the United States. The company operates through three segments: Specialty Property & Casualty Insurance, Preferred Property & Casualty Insurance, and Life & Health Insurance. It provides automobile, homeowners, renters, fire, umbrella, general liability, and other types of property and casualty insurance to individuals; and commercial automobile insurance to businesses.

Kemper Fundamentals Summary

How do Kemper's earnings and revenue compare to its market cap?
KMPR fundamental statistics
Market CapUS$4.07b
Earnings (TTM)US$82.70m
Revenue (TTM)US$5.68b


P/E Ratio


P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
KMPR income statement (TTM)
Cost of RevenueUS$4.19b
Gross ProfitUS$1.50b

Last Reported Earnings

Sep 30, 2021

Next Earnings Date


Earnings per share (EPS)1.30
Gross Margin26.33%
Net Profit Margin1.45%
Debt/Equity Ratio27.0%

How did KMPR perform over the long term?

See historical performance and comparison



Current Dividend Yield


Payout Ratio


Is Kemper undervalued compared to its fair value and its price relative to the market?


Undervalued compared to fair value

Share Price vs. Fair Value

Below Fair Value: KMPR ($64) is trading below our estimate of fair value ($132.52)

Significantly Below Fair Value: KMPR is trading below fair value by more than 20%.

Price To Earnings Ratio

PE vs Industry: KMPR is poor value based on its PE Ratio (49.3x) compared to the US Insurance industry average (11.4x).

PE vs Market: KMPR is poor value based on its PE Ratio (49.3x) compared to the US market (17.4x).

Price to Earnings Growth Ratio

PEG Ratio: KMPR is good value based on its PEG Ratio (0.5x)

Price to Book Ratio

PB vs Industry: KMPR is good value based on its PB Ratio (1x) compared to the US Insurance industry average (1.2x).

Future Growth

How is Kemper forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?


Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: KMPR's forecast earnings growth (107.1% per year) is above the savings rate (2%).

Earnings vs Market: KMPR's earnings (107.1% per year) are forecast to grow faster than the US market (13% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: KMPR's revenue (4.3% per year) is forecast to grow slower than the US market (9.3% per year).

High Growth Revenue: KMPR's revenue (4.3% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: KMPR's Return on Equity is forecast to be low in 3 years time (8.2%).

Past Performance

How has Kemper performed over the past 5 years?


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: KMPR has a large one-off loss of $55.1M impacting its September 30 2021 financial results.

Growing Profit Margin: KMPR's current net profit margins (1.5%) are lower than last year (8.7%).

Past Earnings Growth Analysis

Earnings Trend: KMPR has become profitable over the past 5 years, growing earnings by 33% per year.

Accelerating Growth: KMPR's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: KMPR had negative earnings growth (-81.1%) over the past year, making it difficult to compare to the Insurance industry average (39.8%).

Return on Equity

High ROE: KMPR's Return on Equity (2%) is considered low.

Financial Health

How is Kemper's financial position?

Financial Position Analysis

Short Term Liabilities: KMPR's short term assets ($2.2B) do not cover its short term liabilities ($2.7B).

Long Term Liabilities: KMPR's short term assets ($2.2B) do not cover its long term liabilities ($8.1B).

Debt to Equity History and Analysis

Debt Level: KMPR's net debt to equity ratio (17.9%) is considered satisfactory.

Reducing Debt: KMPR's debt to equity ratio has reduced from 36.3% to 27% over the past 5 years.

Debt Coverage: KMPR's debt is well covered by operating cash flow (44.9%).

Interest Coverage: KMPR's interest payments on its debt are well covered by EBIT (6.9x coverage).

Balance Sheet


What is Kemper current dividend yield, its reliability and sustainability?


Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: KMPR's dividend (1.94%) is higher than the bottom 25% of dividend payers in the US market (1.32%).

High Dividend: KMPR's dividend (1.94%) is low compared to the top 25% of dividend payers in the US market (3.44%).

Stability and Growth of Payments

Stable Dividend: KMPR's dividends per share have been stable in the past 10 years.

Growing Dividend: KMPR's dividend payments have increased over the past 10 years.

Current Payout to Shareholders

Dividend Coverage: With its high payout ratio (96.2%), KMPR's dividend payments are not well covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: KMPR's dividends in 3 years are forecast to be well covered by earnings (30.8% payout ratio).

Next Steps


How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Joe Lacher (52 yo)





Mr. Joseph Patrick Lacher, also known as Joe, Jr, has been the President, Chief Executive Officer and Director of Kemper Corporation since November 11, 2015. He is Non-Executive Chairman of Kemper Corporat...

CEO Compensation Analysis

Compensation vs Market: Joe's total compensation ($USD9.25M) is above average for companies of similar size in the US market ($USD5.13M).

Compensation vs Earnings: Joe's compensation has been consistent with company performance over the past year.

Leadership Team

Experienced Management: KMPR's management team is seasoned and experienced (5.2 years average tenure).

Board Members

Experienced Board: KMPR's board of directors are considered experienced (6.2 years average tenure).


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: KMPR insiders have bought more shares than they have sold in the past 3 months.

Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

Kemper Corporation's employee growth, exchange listings and data sources

Key Information

  • Name: Kemper Corporation
  • Ticker: KMPR
  • Exchange: NYSE
  • Founded: 1990
  • Industry: Property and Casualty Insurance
  • Sector: Insurance
  • Implied Market Cap: US$4.074b
  • Shares outstanding: 63.65m
  • Website:

Number of Employees


  • Kemper Corporation
  • 200 East Randolph Street
  • Suite 3300
  • Chicago
  • Illinois
  • 60601
  • United States


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/01/16 23:15
End of Day Share Price2022/01/14 00:00
Annual Earnings2020/12/31

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.