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Kemper Corporation

NYSE:KMPR Stock Report

Market Cap: US$4.0b

Kemper (KMPR) Stock Overview

An insurance holding company, provides insurance products in the United States. More details

KMPR fundamental analysis
Snowflake Score
Valuation6/6
Future Growth2/6
Past Performance2/6
Financial Health3/6
Dividends5/6

Rewards

Trading at 60.4% below our estimate of its fair value

Earnings are forecast to grow 9.49% per year

Became profitable this year

Pays a reliable dividend of 2.08%

Trading at good value compared to peers and industry

Analysts in good agreement that stock price will rise by 33.4%

Risk Analysis

KMPR passed our risk checks.

KMPR Community Fair Values

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KMPR logo
Kemper
AN
AnalystConsensusTarget
Consensus Narrative from 5 Analysts

Specialty Auto Business Expected To Thrive Amid Market Opportunities

Key Takeaways Kemper is achieving strong growth and profitability due to strategic market positioning, favorable regulatory environments, and effective risk management. Confidence in future earnings is evident through share repurchases, dividend increases, and strategic asset allocation, bolstering EPS and investment income.
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US$84.50
FV
27.1% undervalued intrinsic discount
10.03%
Revenue growth p.a.
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1 day ago author updated this narrative
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Kemper Corporation Competitors

Price History & Performance

Summary of share price highs, lows and changes for Kemper
Historical stock prices
Current Share PriceUS$61.60
52 Week HighUS$73.01
52 Week LowUS$53.57
Beta1.27
1 Month Change0.20%
3 Month Change8.17%
1 Year Change0.98%
3 Year Change29.77%
5 Year Change-21.32%
Change since IPO288.03%

Recent News & Updates

Kemper Corporation's (NYSE:KMPR) CEO Compensation Is Looking A Bit Stretched At The Moment

Apr 30
Kemper Corporation's (NYSE:KMPR) CEO Compensation Is Looking A Bit Stretched At The Moment

Recent updates

Kemper Corporation's (NYSE:KMPR) CEO Compensation Is Looking A Bit Stretched At The Moment

Apr 30
Kemper Corporation's (NYSE:KMPR) CEO Compensation Is Looking A Bit Stretched At The Moment

Better EPS Than Expected, And Immune To The Tariff Storm, Kemper Is A Buy

Feb 06

Kemper: Overly Conservative Management Limits Upside Potential

Oct 23

Unpleasant Surprises Could Be In Store For Kemper Corporation's (NYSE:KMPR) Shares

Oct 08
Unpleasant Surprises Could Be In Store For Kemper Corporation's (NYSE:KMPR) Shares
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Tactical Shifts Set To Propel Specialty P&C Segment Into A New Growth Era

Expansion in the Specialty P&C segment and a focus on profitability and growth suggest expectations of increased premium revenue and market share.

Investor Optimism Abounds Kemper Corporation (NYSE:KMPR) But Growth Is Lacking

Jun 09
Investor Optimism Abounds Kemper Corporation (NYSE:KMPR) But Growth Is Lacking

Kemper Corporation Just Beat Revenue Estimates By 6.7%

May 04
Kemper Corporation Just Beat Revenue Estimates By 6.7%

Kemper (NYSE:KMPR) Is Due To Pay A Dividend Of $0.31

Feb 13
Kemper (NYSE:KMPR) Is Due To Pay A Dividend Of $0.31

Kemper Baby Bond A Bargain: 10.36% Current Reset Rate Being Ignored

Dec 27

Revenues Not Telling The Story For Kemper Corporation (NYSE:KMPR)

Dec 21
Revenues Not Telling The Story For Kemper Corporation (NYSE:KMPR)

Depressed Valuation And Strong Guidance Enable Growth For Kemper Corporation

Nov 13

Kemper Corporation (NYSE:KMPR) Analysts Just Slashed Next Year's Revenue Estimates By 10%

Nov 08
Kemper Corporation (NYSE:KMPR) Analysts Just Slashed Next Year's Revenue Estimates By 10%

Kemper (NYSE:KMPR) Will Pay A Dividend Of $0.31

Aug 09
Kemper (NYSE:KMPR) Will Pay A Dividend Of $0.31

Kemper: Losses Continue And Investors Are Wise To Stay Away

Jul 25

Kemper (NYSE:KMPR) Has Affirmed Its Dividend Of $0.31

May 09
Kemper (NYSE:KMPR) Has Affirmed Its Dividend Of $0.31

Kemper Has Delivered On Self-Help Initiatives And The Share Price Reflects This

Feb 16

Kemper (NYSE:KMPR) Is Due To Pay A Dividend Of $0.31

Feb 05
Kemper (NYSE:KMPR) Is Due To Pay A Dividend Of $0.31

Credit Suisse upgrades Kemper to Neutral, but cuts estimates on higher combined ratios

Jan 30

Kemper declares $0.31 dividend

Nov 02

Kemper Managing Through A Tough Situation, But Catalysts Still Lacking

Aug 23

Kemper to sell Reserve National Insurance to Medical Mutual for $90M

Aug 01

Shareholder Returns

KMPRUS InsuranceUS Market
7D-3.1%-1.8%-0.1%
1Y1.0%11.6%13.0%

Return vs Industry: KMPR underperformed the US Insurance industry which returned 13% over the past year.

Return vs Market: KMPR underperformed the US Market which returned 12.4% over the past year.

Price Volatility

Is KMPR's price volatile compared to industry and market?
KMPR volatility
KMPR Average Weekly Movement3.7%
Insurance Industry Average Movement4.1%
Market Average Movement6.4%
10% most volatile stocks in US Market17.0%
10% least volatile stocks in US Market3.2%

Stable Share Price: KMPR has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: KMPR's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19907,400Joe Lacherwww.kemper.com

Kemper Corporation, an insurance holding company, provides insurance products in the United States. The company operates in two segments, Specialty Property & Casualty Insurance, and Life Insurance. The Specialty Property & Casualty Insurance segment primarily offers specialty personal automobile and commercial automobile insurance through independent agents and brokers.

Kemper Corporation Fundamentals Summary

How do Kemper's earnings and revenue compare to its market cap?
KMPR fundamental statistics
Market capUS$3.99b
Earnings (TTM)US$346.20m
Revenue (TTM)US$4.69b
11.4x
P/E Ratio
0.8x
P/S Ratio

Is KMPR overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
KMPR income statement (TTM)
RevenueUS$4.69b
Cost of RevenueUS$3.02b
Gross ProfitUS$1.66b
Other ExpensesUS$1.32b
EarningsUS$346.20m

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)5.41
Gross Margin35.50%
Net Profit Margin7.38%
Debt/Equity Ratio50.8%

How did KMPR perform over the long term?

See historical performance and comparison

Dividends

2.1%
Current Dividend Yield
23%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/07/10 07:03
End of Day Share Price 2025/07/10 00:00
Earnings2025/03/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Kemper Corporation is covered by 9 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Matthew CarlettiCitizens JMP Securities, LLC
Andrew KligermanCredit Suisse
Robert GlasspiegelJanney Montgomery Scott LLC