Symbols / KMPR Stock $32.82 +0.58% Kemper Corporation

Financial Services • Insurance - Property & Casualty • United States • NYQ
KMPR (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Insurance - Property & Casualty
CEO Mr. Carl Thomas Evans Jr.
Exch · Country NYQ · United States
Market Cap 1.93B
Enterprise Value 2.96B
Income 143.30M
Sales 4.79B
FCF (ttm) 2.61B
Book/sh 45.71
Cash/sh 7.73
Employees 7,300
Insider 10d —
IPO Apr 23, 1990
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 55.90%
P/E 14.33
Forward P/E 6.39
PEG 0.75
P/S 0.40
P/B 0.72
P/C —
EV/EBITDA 9.52
EV/Sales 0.62
Quick Ratio 0.43
Current Ratio 0.46
Debt/Eq 56.29
LT Debt/Eq —
EPS (ttm) 2.29
EPS next Y 5.14
EPS Growth —
Revenue Growth -4.70%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-05-06
Earnings (prior) 2026-02-04
ROA 1.18%
ROE 4.86%
ROIC —
Gross Margin 29.53%
Oper. Margin 2.94%
Profit Margin 2.99%
Shs Outstand 58.80M
Shs Float 58.09M
Insider Own 0.98%
Instit Own 90.19%
Short Float 6.35%
Short Ratio 2.85
Short Interest 3.33M
52W High 66.13
vs 52W High -50.37%
52W Low 28.41
vs 52W Low 15.52%
Beta 1.13
Impl. Vol. 71.46%
Rel Volume 0.47
Avg Volume 1.03M
Volume 484.51K
Target (mean) $54.67
Tgt Median $48.00
Tgt Low $35.00
Tgt High $81.00
# Analysts 3
Recom Hold
Prev Close $32.63
Price $32.82
Change 0.58%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$54.67
Mean price target
2. Current target
$32.82
Latest analyst target
3. DCF / Fair value
$797.66
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$32.82
Low
$35.00
High
$81.00
Mean
$54.67

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-08 main UBS Buy → Buy $48
2026-02-05 down Citizens Market Outperform → Market Perform —
2025-12-18 down William Blair Market Perform → Underperform —
2025-11-06 main Piper Sandler Underweight → Underweight $35
2025-08-07 down Raymond James Strong Buy → Outperform $60
2025-08-06 main JMP Securities Market Outperform → Market Outperform $75
2025-08-06 down Piper Sandler Overweight → Underweight $50
2025-05-08 main Piper Sandler Overweight → Overweight $75
2025-02-06 main Piper Sandler Overweight → Overweight $86
2024-12-26 main Raymond James Strong Buy → Strong Buy $82
2024-11-19 main TD Cowen Buy → Buy $84
2024-10-15 reit JMP Securities Market Outperform → Market Outperform $85
2024-08-13 main UBS Buy → Buy $71
2024-08-08 main Raymond James Strong Buy → Strong Buy $75
2024-08-06 main JMP Securities Market Outperform → Market Outperform $85
2024-08-06 main Piper Sandler Overweight → Overweight $80
2024-07-17 main JMP Securities Market Outperform → Market Outperform $80
2024-04-15 reit JMP Securities Market Outperform → Market Outperform $75
2024-04-01 main Piper Sandler Overweight → Overweight $72
2024-02-05 main UBS Buy → Buy $65
News
RSS: Latest KMPR news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-02-06 MCKINNEY SUZET M Director — 504 $34.66 $17,469
2026-02-03 EVANS CARL THOMAS JR. Chief Executive Officer — 6,766 $0.00 $190,031
2026-02-03 HUNTON MATTHEW A Divisional Officer — 8,670 $0.00 $258,783
2026-02-03 ALEXANDER JAMES ALLEN Officer — 5,915 $0.00 $204,010
2026-02-03 FLINT CHRISTOPHER WADE Officer — 6,201 $0.00 $180,509
2026-02-03 CAMDEN BRADLEY T. Chief Financial Officer — 8,246 $0.00 $258,783
2026-02-03 ROCK LAURA A Officer — 4,989 $38.09 $190,031
2026-02-03 RAMAMOORTHY ANAND Officer — 4,989 $38.09 $190,031
2026-02-03 BOSCHELLI JOHN MICHAEL Chief Investment Officer — 8,129 $0.00 $225,036
2025-12-01 EVANS CARL THOMAS JR. General Counsel — 24,589 $40.67 $1,000,035
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
4,782.90
+3.24%
4,632.70
-6.24%
4,940.80
-9.35%
5,450.50
Operating Revenue
4,782.90
+3.24%
4,632.70
-6.24%
4,940.80
-9.35%
5,450.50
Selling General And Administration
—
-2.60
-100.76%
342.80
-4.35%
358.40
General And Administrative Expense
—
-2.60
-100.76%
342.80
-4.35%
358.40
Salaries And Wages
—
-2.60
-103.70%
70.20
0.00
Other Gand A
—
—
342.80
-4.35%
358.40
Other Operating Expenses
101.40
-9.63%
112.20
+23.30%
91.00
-18.60%
111.80
Total Expenses
4,622.20
+8.91%
4,244.20
-19.29%
5,258.80
-9.67%
5,821.50
Reconciled Depreciation
74.30
+38.36%
53.70
-8.36%
58.60
-17.35%
70.90
EBIT
199.20
-55.28%
445.40
+253.06%
-291.00
+8.00%
-316.30
Total Unusual Items
-37.90
+0.52%
-38.10
+83.93%
-237.10
-256.01%
-66.60
Total Unusual Items Excluding Goodwill
-37.90
+0.52%
-38.10
+83.93%
-237.10
-256.01%
-66.60
Special Income Charges
-37.90
+0.52%
-38.10
+83.93%
-237.10
-256.01%
-66.60
Other Special Charges
—
-2.60
-103.70%
70.20
+1797.30%
3.70
Impairment Of Capital Assets
0.00
0.00
-100.00%
49.60
0.00
Restructuring And Mergern Acquisition
38.00
-5.71%
40.30
-66.50%
120.30
+91.26%
62.90
Write Off
-0.10
-125.00%
0.40
+113.33%
-3.00
0.00
Net Income
143.30
-54.91%
317.80
+216.80%
-272.10
+5.06%
-286.60
Pretax Income
160.70
-58.64%
388.50
+211.93%
-347.10
+6.44%
-371.00
Net Non Operating Interest Income Expense
-38.50
+32.34%
-56.90
-1.43%
-56.10
-2.56%
-54.70
Interest Expense Non Operating
38.50
-32.34%
56.90
+1.43%
56.10
+2.56%
54.70
Net Interest Income
-38.50
+32.34%
-56.90
-1.43%
-56.10
-2.56%
-54.70
Interest Expense
38.50
-32.34%
56.90
+1.43%
56.10
+2.56%
54.70
Interest Income
317.40
-1.03%
320.70
-2.14%
327.70
+10.60%
296.30
Other Income Expense
-2.00
-119.05%
10.50
+3.96%
10.10
+9.78%
9.20
Tax Provision
28.10
-63.03%
76.00
+201.60%
-74.80
+11.37%
-84.40
Tax Rate For Calcs
0.00
-10.54%
0.00
-9.22%
0.00
-5.07%
0.00
Tax Effect Of Unusual Items
-6.63
+11.01%
-7.45
+85.41%
-51.10
-237.97%
-15.12
Net Income Including Noncontrolling Interests
132.60
-57.57%
312.50
+214.76%
-272.30
+4.99%
-286.60
Net Income From Continuing Operation Net Minority Interest
143.30
-54.91%
317.80
+216.80%
-272.10
+5.06%
-286.60
Net Income From Continuing And Discontinued Operation
143.30
-54.91%
317.80
+216.80%
-272.10
+5.06%
-286.60
Net Income Continuous Operations
132.60
-57.57%
312.50
+214.76%
-272.30
+4.99%
-286.60
Minority Interests
10.70
+101.89%
5.30
+2550.00%
0.20
0.00
Normalized Income
174.57
-49.90%
348.45
+504.72%
-86.10
+63.38%
-235.12
Net Income Common Stockholders
143.30
-54.91%
317.80
+216.80%
-272.10
+5.06%
-286.60
Diluted EPS
2.29
-53.36%
4.91
+215.53%
-4.25
+9.96%
-4.72
Basic EPS
2.31
-53.33%
4.95
+216.47%
-4.25
+9.96%
-4.72
Basic Average Shares
62.01
-3.38%
64.18
+0.24%
64.03
+0.31%
63.83
Diluted Average Shares
62.61
-3.35%
64.78
+1.17%
64.03
+0.31%
63.83
Diluted NI Availto Com Stockholders
143.30
-54.91%
317.80
+216.80%
-272.10
+5.06%
-286.60
Amortization
—
—
2.00
-51.22%
4.10
Depreciation And Amortization In Income Statement
—
—
2.00
-51.22%
4.10
Loss Adjustment Expense
3,864.70
+10.88%
3,485.40
-18.49%
4,276.10
-13.14%
4,922.80
Net Policyholder Benefits And Claims
3,864.70
+10.88%
3,485.40
-18.49%
4,276.10
-13.14%
4,922.80
Line Item Trend 2023-12-31
Total Assets
12,742.70
Cash Cash Equivalents And Short Term Investments
587.00
Cash And Cash Equivalents
64.10
Other Short Term Investments
522.90
Receivables
1,225.20
Accounts Receivable
960.20
Other Receivables
200.50
Taxes Receivable
64.50
Goodwill And Other Intangible Assets
1,569.00
Goodwill
1,250.70
Other Intangible Assets
318.30
Investments And Advances
7,871.30
Long Term Equity Investment
239.00
Total Liabilities Net Minority Interest
10,237.70
Payables And Accrued Expenses
—
Current Accrued Expenses
—
Current Debt And Capital Lease Obligation
0.00
Current Debt
0.00
Long Term Debt And Capital Lease Obligation
1,389.20
Long Term Debt
1,389.20
Non Current Deferred Liabilities
50.60
Non Current Deferred Taxes Liabilities
50.60
Stockholders Equity
2,505.20
Common Stock Equity
2,505.20
Capital Stock
6.40
Common Stock
6.40
Share Issued
64.11
Ordinary Shares Number
64.11
Treasury Shares Number
0.00
Additional Paid In Capital
1,845.30
Retained Earnings
1,014.30
Gains Losses Not Affecting Retained Earnings
-360.80
Minority Interest
-0.20
Other Equity Adjustments
-360.80
Total Equity Gross Minority Interest
2,505.00
Total Capitalization
3,894.40
Invested Capital
3,894.40
Total Debt
1,389.20
Net Debt
1,325.10
Net Tangible Assets
936.20
Tangible Book Value
936.20
Current Notes Payable
0.00
Investments In Other Ventures Under Equity Method
239.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
584.50
+52.65%
382.90
+385.32%
-134.20
+36.19%
-210.30
Cash Flow From Continuing Operating Activities
584.50
+52.65%
382.90
+385.32%
-134.20
+36.19%
-210.30
Net Income From Continuing Operations
132.60
-57.57%
312.50
+214.76%
-272.30
+4.99%
-286.60
Depreciation
—
—
44.40
-12.08%
50.50
Amortization Cash Flow
—
—
14.20
-30.39%
20.40
Depreciation And Amortization
74.30
+38.36%
53.70
-8.36%
58.60
-17.35%
70.90
Amortization Of Intangibles
—
—
14.20
-30.39%
20.40
Other Non Cash Items
39.40
+1613.04%
2.30
+106.41%
-35.90
-378.67%
-7.50
Pension And Employee Benefit Expense
0.00
-100.00%
10.50
-85.04%
70.20
0.00
Asset Impairment Charge
0.00
0.00
-100.00%
49.60
0.00
Operating Gains Losses
12.30
-64.04%
34.20
-61.49%
88.80
+178.37%
31.90
Gain Loss On Investment Securities
5.30
+171.62%
-7.40
-137.56%
19.70
-8.37%
21.50
Unrealized Gain Loss On Investment Securities
4.30
+59.26%
2.70
+157.45%
-4.70
-105.88%
79.90
Gain Loss On Sale Of PPE
—
-2.30
+20.69%
-2.90
-114.57%
19.90
Change In Working Capital
321.60
+1692.08%
-20.20
-10.38%
-18.30
+81.50%
-98.90
Change In Receivables
10.00
+152.91%
-18.90
-105.58%
338.50
+165.49%
127.50
Changes In Account Receivables
10.00
+152.91%
-18.90
-105.58%
338.50
+165.49%
127.50
Change In Other Working Capital
-7.00
-110.72%
65.30
+96.69%
33.20
+139.71%
-83.60
Investing Cash Flow
336.20
+237.56%
-244.40
-326.51%
107.90
+199.54%
-108.40
Cash Flow From Continuing Investing Activities
336.20
+237.56%
-244.40
-326.51%
107.90
+199.54%
-108.40
Capital Expenditure
-30.60
+42.48%
-53.20
+1.12%
-53.80
-74.68%
-30.80
Net Investment Purchase And Sale
434.10
+299.13%
-218.00
-213.25%
192.50
+278.24%
-108.00
Purchase Of Investment
-1,550.60
+3.55%
-1,607.60
-114.35%
-750.00
+62.46%
-1,997.70
Sale Of Investment
1,984.70
+42.83%
1,389.60
+47.44%
942.50
-50.12%
1,889.70
Net Business Purchase And Sale
—
0.00
0.00
-100.00%
14.80
Purchase Of Business
—
—
0.00
0.00
Net Intangibles Purchase And Sale
-30.60
+42.48%
-53.20
+1.12%
-53.80
-74.68%
-30.80
Purchase Of Intangibles
-30.60
+42.48%
-53.20
+1.12%
-53.80
-74.68%
-30.80
Net Other Investing Changes
4.10
-67.97%
12.80
+161.24%
-20.90
-345.88%
8.50
Financing Cash Flow
-860.10
-526.90%
-137.20
-12.46%
-122.00
-131.86%
382.90
Cash Flow From Continuing Financing Activities
-860.10
-526.90%
-137.20
-12.46%
-122.00
-131.86%
382.90
Net Issuance Payments Of Debt
-450.00
0.00
0.00
-100.00%
261.90
Issuance Of Debt
—
0.00
0.00
-100.00%
541.90
Repayment Of Debt
-450.00
0.00
0.00
+100.00%
-280.00
Long Term Debt Issuance
—
0.00
0.00
-100.00%
541.90
Long Term Debt Payments
-450.00
0.00
0.00
+100.00%
-280.00
Net Long Term Debt Issuance
-450.00
—
—
261.90
Net Common Stock Issuance
-301.90
-676.09%
-38.90
0.00
0.00
Common Stock Payments
-301.90
-676.09%
-38.90
0.00
0.00
Common Stock Dividend Paid
-79.60
+0.62%
-80.10
+0.00%
-80.10
-0.50%
-79.70
Cash Dividends Paid
-79.60
+0.62%
-80.10
+0.00%
-80.10
-0.50%
-79.70
Repurchase Of Capital Stock
-301.90
-676.09%
-38.90
0.00
0.00
Proceeds From Stock Option Exercised
3.70
-2.63%
3.80
-11.63%
4.30
-12.24%
4.90
Net Other Financing Charges
-32.30
-46.82%
-22.00
+52.38%
-46.20
-123.60%
195.80
Changes In Cash
60.60
+4561.54%
1.30
+100.88%
-148.30
-331.00%
64.20
Beginning Cash Position
65.40
+2.03%
64.10
-69.82%
212.40
+43.32%
148.20
End Cash Position
126.00
+92.66%
65.40
+2.03%
64.10
-69.82%
212.40
Free Cash Flow
553.90
+68.00%
329.70
+275.37%
-188.00
+22.02%
-241.10
Interest Paid Supplemental Data
44.40
-18.53%
54.50
+0.00%
54.50
+5.83%
51.50
Income Tax Paid Supplemental Data
35.30
+215.18%
11.20
—
0.70
Common Stock Issuance
—
—
—
—
Earnings Losses From Equity Investments
7.00
-77.49%
31.10
+2927.27%
-1.10
+88.42%
-9.50
Issuance Of Capital Stock
—
—
—
—
Net Investment Properties Purchase And Sale
3.00
+42.86%
2.10
+310.00%
-1.00
+67.74%
-3.10
Purchase Of Investment Properties
-2.50
-56.25%
-1.60
-60.00%
-1.00
+67.74%
-3.10
Sale Of Business
—
0.00
0.00
-100.00%
14.80
Sale Of Investment Properties
5.50
+48.65%
3.70
0.00
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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