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Kemper Corporation KMPR

Financial — Insurance Property & Casualty
Dividend Champion (5y) Cash Flow Champion (3y) Insider Buys (last 12m)
Growth Flags show if company had growth for consecutive years ,
Insider Buys alert about insiders buying in the last 12 month

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Insider Decisions

Total buys
1.29
Total sells
0.02
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — 1 — — — — — — — — 5 —
Sell — — — — 1 — — — — — — —
Insider Ownership
1.47%

Capital & Financial Ratios

Market Cap
1,580.00
Revenue
4,571.00
Net Income
(504.60)
Free Cash Flow
396.60
Net Debt
864.20
Current Ratio
0.14
Debt/Equity
0.43
P/E ratio
0.00
P/S ratio
0.34
P/B ratio
0.72
Past 5Y EPS Growth
(9.21%)
This Y EPS Growth
(44.26%)
Next Y EPS Growth
106.80%
Next 5Y EPS Growth
13.49%
in millions of $

Dividends

Payout Ratio
0.99
Annual Dividend Rate
1.24
Annual Dividend Yield
2.16%
total individual payouts
2028 ‡‡‡‡‡
2027 ‡‡‡‡‡
2026 1.30
—
—
—
2025 1.28
—
—
—
—
2024 1.24
—
—
—
—
2023 1.24
—
—
—
—
2022 1.24
—
—
—
—
2021 1.24
—
—
—
—
2020 1.20
—
—
—
—
2019 1.03
—
—
—
—
2018 0.96
—
—
—
—
2017 0.96
—
—
—
—
2016 1.20
—
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 64.10 64.40 124.30 80.30
Receivables 1,160.00 1,163.60 1,149.90 1,148.10
Inventory — — — —
Other — — — —
1,224.10 1,228.00 1,274.20 1,228.40
2023 2024 2025 Q'26
Payables 8,059.90 7,734.00 8,080.90 8,150.30
ST’ Debt — — — —
Other — — — —
8,797.90 8,439.70 8,845.00 8,804.50
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 1,107.20 1,092.70 — —
—
’25 1,193.00 1,225.60 1,239.70 1,131.40
4,789.70
’24 1,143.00 1,129.90 1,178.90 1,186.80
4,638.60
’23 1,294.80 1,262.80 1,199.40 1,187.20
4,944.20
’22 1,370.10 1,417.70 1,361.50 1,374.60
5,523.90
’21 1,352.00 1,507.70 1,455.40 1,403.40
5,718.50
’20 1,229.00 1,230.90 1,353.70 1,392.10
5,205.70
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 88.80 30.50 — —
—
’25 180.00 89.60 139.90 175.00
584.50
’24 43.00 22.90 141.90 175.10
382.90
’23 5.20 (71.10) (38.60) (29.70)
(134.20)
’22 (18.20) (71.80) (80.10) (40.20)
(210.30)
’21 140.60 97.10 69.90 43.10
350.70
’20 62.30 201.50 (12.50) 196.70
448.00
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 77.90 19.10 — —
—
’25 172.30 82.00 133.40 166.20
553.90
’24 27.70 5.20 131.40 165.40
329.70
’23 (4.80) (86.50) (52.30) (44.40)
(188.00)
’22 (34.20) (79.50) (83.50) (43.90)
(241.10)
’21 131.40 (235.70) 51.50 29.20
292.90
’20 42.10 142.80 (66.00) 235.70
394.10
in millions of $

EPS

Mar Jun Sep Dec Year
’26 (0.03) (7.90) — —
—
’25 1.54 1.12 (0.34) (0.13)
2.29
’24 1.10 1.16 1.14 1.51
4.91
’23 (1.25) (1.52) (2.28) 0.80
(4.25)
’22 (1.49) (1.17) (1.19) (0.87)
(4.72)
’21 1.85 (0.97) (1.18) (1.66)
(1.87)
’20 0.95 1.91 1.83 1.46
6.14

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

3
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 40.65 38.32 48.33 33.91 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 64.36 68.15 73.01 72.25 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9,500 8,100 7,400 7,400 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.58 0.61 0.63 0.65 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5,523.90 4,944.20 4,638.60 4,789.70 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (5.66%) (4.88%) 9.60% 4.16% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (371.00) (347.10) 388.50 160.70 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (6.72%) (7.02%) 8.38% 3.36% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (286.60) (272.30) 312.50 132.60 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 70.90 107.10 84.80 81.30 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 86.55 77.22 72.27 77.24 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ (4.72) (4.25) 4.95 2.31 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (3.29) (2.10) 5.97 9.43 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.48) (0.84) (0.83) (0.49) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (3.78) (2.94) 5.14 8.93 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 41.84 39.12 43.38 43.05 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 63.83 64.03 64.18 62.01 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ 0.00 0.00 13.42 18.26 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.57 0.64 0.92 0.52 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.17 1.27 1.53 0.94 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.78 0.91 1.21 0.70 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (7.20) (8.29) (209.41) 16.88 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (210.30) (134.20) 382.90 584.50 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (30.80) (53.80) (53.20) (30.60) — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (241.10) (188.00) 329.70 553.90 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (7,494.50) (7,573.80) (7,211.70) (7,570.80) — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,386.90 1,389.20 1,391.60 943.50 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,174.50 1,325.10 1,327.20 819.20 — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,670.60 2,505.00 2,784.30 2,669.40 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ (2.03%) (2.09%) 2.51% 1.14% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (5.08%) (4.75%) 6.77% 3.57% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (8.58%) (10.51%) 12.02% 5.26% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Kemper Corporation (KMPR), a key player in property & casualty and life insurance, has endured a turbulent decade of aggressive growth via acquisitions like Infinity Insurance, followed by devastating catastrophe losses from events like Hurricane Ida, Winter Storm Uri, and 2022’s floods and tornadoes. These hammered its auto and homeowners lines, leading to three years of net losses totaling over $682 million from 2021-2023—reversing a $1.13 billion profit peak in 2019. Yet, 2024 marked a pivotal $313 million net income rebound, fueled by exiting unprofitable California auto operations and shifting toward higher-margin life insurance, signaling stabilization amid improving revenue per employee and EBT margins.

The stock’s trajectory mirrors these swings, plunging over 50% from 2020 highs to 2023 lows alongside collapsing ROE and free cash flow, now trading at deeply discounted multiples: forward PE of 6-8x (versus peers at 15-20x), PB below 1x, and PS near 0.5x. A resilient balance sheet, with deleveraging and strong equity growth, supports buybacks, while insider buying—directors scooping up 48,000 shares in 2025 at depressed prices and zero net selling—flashes confidence in the recovery.

Projections show modest 3% annual revenue growth to $4.89 billion by 2028 and EPS of $4.15-$5.13, implying significant upside to analyst targets (mean 87% potential), but tempered by flattening margins, rising reinsurance costs, climate risks, and regulatory pressures. KMPR emerges as a gritty rebuilder and potential value play—buy dips below book if catastrophes moderate and insiders persist—yet demands vigilance in this unforgiving sector.

Read full commentary →

Kemper Corporation (KMPR) Latest News

News by impact score

Fine-tune

11 Sep

3 , 4:37 PM
AM Best revised outlooks to negative for Kemper Corporation, its affiliates and subsidiaries. Negative outlook revision signals potential credit pressure that may weigh on investor sentiment and borrowing costs.

26 Aug

3 , 6:16 PM
Kemper may be 18% overvalued as climate risks threaten its insurance operations and undermine growth assumptions. Climate risks create measurable uncertainty around Kemper's underwriting results and long-term valuation.

13 Aug

3 , 10:13 PM
Kemper Corporation's Q2 earnings call featured five key analyst questions on performance, strategy and outlook. Analyst questions from the earnings call can shape short-term investor views on Kemper operations and results.

12 Aug

3 transcript www.fool.com, 9:02 PM
Kemper (KMPR) held its Q2 2026 earnings call covering quarterly financial results, operational performance, and management outlook. Quarterly earnings discussion supplies performance data and guidance that can shift near-term investor views and valuation.

8 Aug

3 transcript www.marketbeat.com, 11:03 AM
Kemper Corporation discussed Q2 financial results, operational updates and outlook during its earnings call. Q2 earnings details may moderately affect investor views on financial performance and near-term trajectory.

6 Aug

4 transcript , 3:05 PM
Kemper Corporation is executing strategic restructuring and implementing rate hikes following its Q2 2026 earnings call to strengthen operations and financial results. Strategic restructuring combined with rate hikes represents major moves that can significantly shift Kemper's profitability trajectory and investor outlook.

3 transcript app.moby.co, 8:30 AM
Kemper Corporation (KMPR) conducted its Q2 2026 earnings call, covering financial results and operational updates. Quarterly earnings calls typically provide performance data that can moderately sway short-term stock sentiment.

5 Aug

3 , 10:00 PM
Kemper (KMPR) reported Q2 earnings with key metrics compared to Wall Street estimates. Q2 earnings metrics versus estimates provide insight into financial performance affecting investor views.

3 , 6:10 PM
Kemper (KMPR) reported Q2 earnings above analyst estimates. Q2 earnings beat supports near-term positive stock reaction for Kemper.

3 , 4:05 PM
Kemper Corporation reported its second quarter 2026 operating results. Quarterly operating results update financial performance and may shift near-term investor sentiment without major strategic changes.

23 Jul

3 , 3:40 AM
Kemper (KMPR) is named the sole Russell 2000 stock worth owning for decades while two other stocks are rejected. Long-term ownership endorsement may lift sentiment and valuation without altering operations.

4 Jun

3 Simply Wall St., 6:08 AM
Kemper Corporation appoints new leadership and launches an ESOP initiative that may alter its long-term strategic alignment and employee ownership structure. New leadership and ESOP adoption may moderately affect strategic alignment and operational focus without triggering immediate major market shifts.

11 May

4 www.marketbeat.com, 2:06 AM
Kemper Corporation (KMPR) released Q1 earnings call highlights detailing financial results, performance metrics, and forward guidance. Q1 earnings call highlights disclose critical financial outcomes and strategic directions significantly shaping KMPR's trajectory and market perception.

8 May

4 Simply Wall St., 9:10 AM
Kemper Corporation missed earnings expectations, reporting a surprise loss. Analysts have issued their latest forecasts. Surprise earnings miss directly impacts financial performance and investor sentiment with analyst forecast updates signaling potential trajectory shifts.

7 May

4 app.moby.co, 8:30 AM
Kemper Corporation (KMPR) Q1 2026 earnings call summary details quarterly financial results, operational updates, and future outlook. Earnings call summaries reveal key financial metrics and guidance that significantly influence stock performance and investor sentiment.

6 May

4 Zacks, 6:30 PM
Kemper (KMPR) Q1 earnings and revenues missed analyst estimates. Missing Q1 earnings and revenue estimates indicates weaker financial results, likely eroding investor confidence and impacting stock performance significantly.

4 Business Wire, 4:05 PM
Kemper Corporation reported first quarter 2026 operating results. Quarterly operating results disclosure significantly influences financial performance metrics and investor sentiment.

3 , 9:00 PM
Kemper Corporation (KMPR) Q1 earnings compared to analyst estimates, with detailed analysis of key metrics. Q1 earnings versus estimates moderately impact financial performance and investor sentiment.

3 StockStory, 6:07 PM
Kemper Corporation (NYSE: KMPR) missed Q1 CY2026 sales expectations, leading to a drop in its stock price. Q1 sales miss impacts financial performance and investor sentiment moderately but is limited to one quarter.

21 Apr

4 , 12:58 PM
Confie acquires Kemper Corporation's Newins retail P&C stores, expanding its retail footprint. Kemper's sale of its Newins retail P&C stores to Confie is a major strategic divestiture that refocuses the company on core insurance operations.

3 , 11:00 AM
Kemper Corporation announces the sale of its Newins Distribution Operation. Sale of Newins Distribution Operation represents a moderate strategic divestiture that could improve focus on core insurance but has limited overall trajectory impact.

13 Apr

3 Simply Wall St., 4:05 PM
Analysts shift to more cautious optimism on Kemper Corporation (KMPR), potentially prompting investor reactions amid evolving outlooks. Analysts' shift to cautious optimism may moderately influence KMPR investor sentiment and short-term market performance.

18 Mar

4 StockStory, 8:13 AM
Kemper Corporation (KMPR) faces buy, sell, or hold decision after Q4 earnings, with analysis weighing financial results, performance metrics, and future outlook. Q4 earnings directly shape KMPR's financial trajectory and investor sentiment through buy/sell/hold recommendations.

4 Mar

3 Simply Wall St., 8:14 PM
Kemper Corporation (KMPR) delivered a soft quarter, with conference spotlight examining implications for shareholders amid operational challenges. Soft quarter affects Kemper's financial performance moderately, influencing investor sentiment but limited by broader strategic context.

3 StockStory, 2:20 PM
Kemper Corporation (NYSE:KMPR) Q4 earnings unpacked and compared to peers in multi-line insurance sector. Q4 earnings review against competitors affects financial performance and market sentiment moderately.

11 Feb

3 StockStory, 12:43 AM
Kemper Corporation's Q4 earnings call featured five notable analyst questions that highlighted key areas of interest for the company. Discussions included insights on financial performance, strategic initiatives, and market positioning. Analysts sought clarity on future growth prospects and operational challenges, reflecting investor concerns and expectations. The dialogue underscored the company's efforts to navigate a competitive landscape while addressing stakeholder inquiries. Analyst questions indicate moderate influence on Kemper's financial performance and strategic direction.

6 Feb

3 Simply Wall St., 12:07 AM
Kemper Corporation (KMPR) has experienced prolonged share price weakness, prompting a reassessment of its valuation. Analysts are evaluating the company's financial health, market position, and potential for recovery amid ongoing challenges in the insurance sector. Factors such as underwriting performance, claims trends, and competitive pressures are being scrutinized to determine the future outlook for Kemper's stock. Investors are urged to consider these elements when making decisions regarding their holdings in the company. Current challenges and market conditions are expected to moderately influence Kemper's financial performance and investor sentiment.

5 Feb

4 StockStoryZacksStockStory, 12:43 AM
Kemper Corporation faces challenges in its auto segment, impacting its fourth-quarter outlook. The company is undergoing restructuring efforts to address these headwinds, which are expected to shape its future performance and market position. Analysts are closely monitoring these developments as they could influence investor sentiment and financial results. Restructuring efforts and auto segment headwinds are likely to significantly impact Kemper's future performance and market dynamics.

3 StockStory, 11:56 AM
Kemper Corporation's stock is experiencing a decline due to disappointing earnings results and a lowered guidance for the upcoming quarter. The company reported a significant drop in net income and an increase in claims costs, which has raised concerns among investors about its profitability and operational efficiency. Analysts are reacting negatively to the news, leading to a sell-off in shares as market sentiment shifts. The overall outlook for Kemper appears uncertain as it navigates these challenges. Disappointing earnings and increased claims costs are expected to moderately influence Kemper's financial performance and market sentiment.

3 transcript www.marketbeat.com, 3:26 AM
Kemper Corporation reported its Q4 earnings, highlighting a focus on improving operational efficiency and enhancing customer service. The company emphasized strategic initiatives aimed at driving growth and profitability, despite facing challenges in the insurance market. Management provided insights into future expectations and ongoing efforts to streamline processes and reduce costs. Overall, the earnings call reflected a commitment to navigating market dynamics while positioning the company for long-term success. Strategic initiatives and operational improvements may moderately influence financial performance and market positioning.
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