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Kemper Corporation KMPR R3KFINANCIAL

Financial Services · Insurance - Property & Casualty · United States
https://www.kemper.com
Company Profile ↓
$26.67
-47.52% 1Y
Mkt Cap$1.57B
P/E-3.21
P/B0.71
Div. Yield4.76%
52W High$52.32
52W Low$22.63
Book Value$37.22
EPS (TTM)$-8.31

Company Overview

Kemper Corporation, an insurance holding company, provides insurance products in the United States. It 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. The Life Insurance segment primarily provides individual life, accident, supplemental health, and property insurance. The company was formerly known as Unitrin, Inc. and changed its name to Kemper Corporation in August 2011. Kemper Corporation was incorporated in 1990 and is headquartered in Chicago, Illinois.

Why Investors Should Care

Dividend Income

Offers a dividend yield of 4.76%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $4.79B (+3.3% YoY); net profit $143.30M.
  • Trailing 12 Months Year-on-year growth — revenue -9.1%, earnings -54.9%.
  • 5-Year Trend Long-term compounding — revenue CAGR 3.3%, profit CAGR 2.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:3.34%
1 Year:-9.10%

Compounded Profit Growth

5 Years:2.06%
1 Year:-54.91%

Stock Price Performance

1 Year:-47.52%
6 Months:-10.55%
3 Months:+10.74%
1 Month:-5.34%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 14% of range
$22.63 $52.32
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)43.80 · Neutral
Price Performance
1M-5.34%
3M+10.74%
6M-10.55%
1Y-47.52%

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Attractive dividend yield of 4.76%.
  • Generates positive free cash flow.

CONS

  • Trading 49.0% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
-3.21
Industry PE
12.89
Forward P/E
6.31
PEG Ratio
0.75
Book Value
$37.22
Price to Book
0.71
P/S
0.34
EV/EBITDA
22.69
Dividend Yield
4.76%

Growth (CAGR)

Revenue 5Y
3.34%
Profit 5Y
2.06%
Revenue (YoY)
-9.10%
Earnings (YoY)
-54.91%

Profitability & Returns

ROCE
-
ROE
-19.70%
ROA
0.21%
Profit Margin
-10.79%
Op Margin
3.01%
Gross Margin
25.40%
EPS (Latest Qtr)
$-7.90
EPS (TTM)
$-8.31

Balance Sheet & Liquidity

Debt/Equity
0.64
Quick Ratio
0.78
Current Ratio
0.82
Debt
$1.39B
Total Assets
$11.93B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
1.24%
Chg in Prom Hold
0.06%
FII / Inst Holding
98.54%
Chg in FII Hold
-0.14%

Financial Snapshot

Enterprise Value
$1.57B
Total Revenue (TTM)
$4.59B
EBITDA
$113.50M
Free Cash Flow
$220.55M
Operating Cash Flow
$434.20M
Shares Outstanding
58.92M
Gross Margin
25.40%
Payout Ratio
177.78%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 KMPR Kemper Corporation R3KFINANCIAL 26.67 -3.21 $1.57B 4.76% - -19.70% 3.34% 2.06%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 353.51 15.15 $939.70B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 505.83 12.72 $712.23B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 368.64 31.35 $628.20B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 570.89 31.44 $496.37B 0.62% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.39 14.41 $436.28B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 757,791.00 12.71 $370.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 106.26 15.18 $363.70B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 216.24 17.48 $339.62B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Revenue 609.20M615.40M617.00M611.30M627.20M640.70M642.70M651.40M684.40M690.30M697.30M693.00M741.90M1.20B1.09B1.24B1.28B1.24B1.28B1.23B1.23B1.35B1.39B1.35B1.51B1.46B1.37B1.42B1.36B1.29B1.26B1.20B1.14B1.13B1.18B1.19B1.23B1.24B1.11B1.09B
Operating Income 2.50M47.80M--4.00M3.40M-36.50M--9.00M28.30M63.10M-70.40M44.90M95.90M-123.40M109.60M163.00M-202.80M100.50M112.30M-75.90M-136.10M-130.60M-71.70M-50.30M-40.20M-72.80M-20.20M-38.90M86.30M114.10M132.40M-----
Net Income 29.70M37.90M4.60M-2.10M4.00M-16.30M31.20M-300.00K36.60M47.70M36.90M53.80M37.60M92.20M6.50M155.30M122.10M129.00M124.70M64.00M126.10M122.30M97.50M123.20M-62.60M-75.30M-86.30M-72.20M-74.80M-80.10M-97.10M-146.30M71.30M75.40M73.70M99.70M72.60M-21.00M-1.70M-464.80M
Diluted EPS 0.570.730.09-0.040.08-0.320.60-0.010.710.920.711.020.731.400.102.351.841.911.850.951.911.831.461.85-0.97-1.18-1.36-1.13-1.17-1.25-1.52-2.281.101.161.141.541.12-0.34-0.03-7.90

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 2.74B2.75B2.64B2.50B2.46B2.43B2.20B2.34B2.52B2.72B3.73B5.04B5.21B5.72B5.52B4.94B4.64B4.79B
Operating Income -253.80M200.20M45.90M63.90M229.20M136.30M84.50M3.10M118.90M286.20M518.80M546.80M-334.00M-166.60M-68.90M--
Net Income ------114.50M85.70M16.80M120.90M190.10M531.10M409.90M-123.70M-286.60M-272.10M317.80M143.30M
Diluted EPS -0.472.642.871.231.743.802.121.650.332.333.227.966.14-1.92-4.50-4.254.912.29

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Jan 2018Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --8.57B8.36B7.93B8.01B7.66B7.83B8.04B8.21B8.38B-11.54B12.99B14.34B14.92B13.31B12.74B12.63B12.47B
Total Equity 2.29B1.65B1.83B2.02B2.12B2.16B2.05B2.09B1.99B1.98B2.12B2.12B3.05B3.97B4.56B-849.70M241.10M2.51B2.79B2.68B
Long Term Debt --------750.60M751.60M592.30M-909.00M778.40M1.17B1.12B1.39B1.39B941.70M943.50M
Total Liabilities --6.66B6.25B5.82B5.85B5.60B5.74B6.04B6.24B6.26B-8.49B9.02B9.78B10.91B10.64B10.24B9.85B9.80B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 69.20M163.50M58.50M-25.00M65.70M122.10M133.60M215.00M240.50M240.60M539.20M534.30M448.00M350.70M-210.30M-134.20M382.90M584.50M
Investing Cash Flow 356.20M287.60M319.30M564.60M-106.20M4.80M-104.30M-28.60M-238.10M-105.40M-497.60M-633.40M-757.00M-118.20M-108.40M107.90M-244.40M336.20M
Financing Cash Flow -345.70M-491.60M-404.30M-405.60M-114.40M-156.70M-19.70M-100.80M-48.40M-205.20M-12.20M160.80M378.30M-290.40M382.90M-122.00M-137.20M-860.10M
Share Buybacks 69.00M034.40M27.40M60.70M100.40M114.00M45.00M3.80M000110.40M161.70M0038.90M301.90M
Dividends Paid ---------49.50M56.40M67.80M78.90M80.60M79.70M80.10M80.10M79.60M

Ratios (Annual)

Figures in %.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ------------------
Operating Margin % -9.2%7.6%1.8%2.6%9.4%6.2%3.6%0.1%4.4%7.7%10.3%10.5%-5.8%-3.0%-1.4%--
Net Margin % ------5.2%3.7%0.7%4.4%5.1%10.5%7.9%-2.2%-5.2%-5.5%6.9%3.0%
ROE % ------5.5%4.3%0.9%5.7%6.2%13.4%9.0%14.6%-118.9%-10.9%11.4%5.3%
ROCE % ------------------

Shareholding Pattern

Insiders
1.24%
Institutions
98.54%
Public Float
99.78%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.31% 8.43M $223.28M
2 Fuller & Thaler Asset Management Inc. 6.42% 3.78M $100.20M
3 Vanguard Portfolio Management LLC 6.14% 3.62M $95.77M
4 AQR Capital Management, LLC 5.63% 3.32M $87.86M
5 State Street Corporation 4.81% 2.84M $75.11M
6 Vanguard Capital Management LLC 4.49% 2.65M $70.10M
7 Shaw D.E. & Co., Inc. 4.16% 2.45M $64.98M
8 Dimensional Fund Advisors LP 3.61% 2.13M $56.31M
9 Geode Capital Management, LLC 2.59% 1.53M $40.38M
10 Goldman Sachs Group Inc 1.96% 1.16M $30.64M

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for KMPR

Google News Sat, 05 Sep 2026

139,029 Shares in Kemper Corporation $KMPR Acquired by Legal & General Group Plc - marketbeat.com

<a href="https://news.google.com/rss/articles/CBMi0wFBVV95cUxORVp6cmxCelZBYjNhY3RsQTJKZmVwSUdLZFJLUVB2QkpHX3hBNmhZYnBmQlFOMnBZUUxjRE9IUVl6YloyMWFoX3otYWVsNDE4Sm9BM0FPZ2RnbGNJeS00dTBWb3ZPUjhMbkZkMGswUTdJcFNXZDVadzBhcldSNno5Yks5RWlLcVgycW1sN1…

Google News Wed, 26 Aug 2026

Kemper (KMPR) Could Be 18% Overvalued As Climate Risk Clouds The Narrative - finance.yahoo.com

<a href="https://news.google.com/rss/articles/CBMinAFBVV95cUxNWkRiV1Q3czhVM3NBOHFLM1ViODlMdmQzSUYxTkVnLTFoRjRTeUtPWDdobXpSWkx5Ql8yUmZnSXVGZ3lEUDBia2ZlZHBHbTZoT1RMSGlILXlyaUYwSGI4VVBpM0pEUHVyYUZTeUNZQ1RVZVV3WXVmZkxROWxsQkctLVAtMGpJUkpXel9sS3…

Google News ue, 21 Jul 2026

Why Kemper (KMPR) Stock Is Trading Lower Today - StockStory

<a href="https://news.google.com/rss/articles/CBMiqgFBVV95cUxPNE5UQWl0WkRoRC1VVDRNQkEzZksySUljc2hrSGRwcG5VTXA1RDMwN2xQNGtxbmFxVDR6RUVvQWFUY3lza195cFk0TDlzVlBOckEyR05VbWJJT1Q4b1dpaXVmWndDdFpIMnd6N01qRXFlaS1mLTB5bmlxZEJkT1h5UkxpendyZFYtelRKbj…

Google News hu, 06 Aug 2026

Kemper (KMPR) Stock Shrugs Off Impairment As Underwriting Repair Emerges - simplywall.st

<a href="https://news.google.com/rss/articles/CBMiwgFBVV95cUxNODNSY01NRHhNemo5T1pHM3RJa1hRb0ZCdk5DeklhNHBwU09HOXd1SjhBTlh0NXYxS0xsdXhTenNzRk9ib3ozcE83d0F5Q2dHRWlMUmpLbElFeHMwVm5XRlNad3c0X1YtV1BPVjhSUW54WUE3MU1QVDd1LU1Qb1JhcXJjb2ZIUHJIMC1FbD…

Google News Mon, 29 Jun 2026

Is Kemper Corporation (KMPR) A Good Stock To Buy Now? - finance.yahoo.com

<a href="https://news.google.com/rss/articles/CBMioAFBVV95cUxQZEVENzh3ZGpaNDZrRTcxX0JYcU12cndKbDhFWWtsQVZCbWNsbEpFU3E1OW51bXkyS0cwaDVENk9wYUFqZUNXWTl3QlNZSFgwcWhsRDh4VWlLOUdfQjZmUzlDMFd0NXNsQmpQV2YydUNaWUFscTctX0JjeGxtYWhRREw3RGRGWmV4Uk9iRE…

Google News Fri, 04 Sep 2026

Public Employees Retirement System of Ohio Invests $3.89 Million in Kemper Corporation $KMPR - marketbeat.com

<a href="https://news.google.com/rss/articles/CBMi5AFBVV95cUxOeFVVdUxQNU0zWGk1WGZZMW5YZVNTWDZ2M0xHWEJ3WlpWNzNrS3FVYUs3ZHgxa01MUmZaSmljRkN2T1Z4MjVWNDBSUFpkeGhrRXFKR1NvVlotWDdoTkNsNFdvUWVycjVlN25uUGJSNjJ2RnB4ak5sdndnSFZMQVJlVm5NZHEwN2MxU1c3T1…

KMPR — Frequently Asked Questions

What is the current share price of Kemper Corporation (KMPR)?

As of 2026-09-19 21:16 PDT, Kemper Corporation (KMPR) trades at $26.67 on NYSE. Its 52-week range is $22.63 to $52.32.

What is the market capitalisation of KMPR?

Kemper Corporation (KMPR) has a market capitalisation of $1.57B on NYSE.

What is the P/E ratio of KMPR?

KMPR trades at a trailing price-to-earnings (P/E) ratio of -3.21. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 0.71.

Does KMPR pay a dividend?

Kemper Corporation (KMPR) currently offers a dividend yield of 4.76%.

What is the return on equity (ROE) of KMPR?

KMPR has a return on equity (ROE) of -19.70%.

Is KMPR a good stock to buy?

This page provides a data-driven analysis of Kemper Corporation (KMPR), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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