Kemper Corporation (KMPR) AI Stock Analysis

Kemper Corporation, headquartered in Chicago, Illinois, provides insurance products across the United States. Founded in 1990 and formerly known as Unitrin, Inc., it conducts operations through three segments: Specialty Property & Casualty Insurance, Preferred Property & Casualty Insurance, and Life & Health Insurance. Its offerings include automobile, homeowners, renters, umbrella, and general liability insurance. The company also writes permanent and term life insurance as well as supplemental accident and health policies, including Medicare supplement plans. Kemper serves personal and commercial clients through independent agents and brokers across rural, suburban, and urban markets.

Kemper recorded FY2025 revenue of $4.80B, up 3.6% after dropping 6.3% to $4.63B in FY2024 and 9.3% to $4.94B in FY2023. From FY2020 to FY2025, revenue contracted at a compound annual rate of -1.5%. Profitability rebounded in FY2024 with net income of $317.8M before moderating to $143.3M in FY2025, corresponding to an operating margin of 3.3% and EPS of $3.35. For the trailing twelve months ended June 30, 2026, revenue stood at $4.59B with EPS of -$8.36. In the latest quarter, revenue declined 9.1% year-over-year while earnings decreased 3.4%.

As of June 30, 2026, Kemper held $352 in cash and short-term investments alongside total debt of $944.5M, resulting in net debt of $944.5M. Shareholders' equity was $2.19B against total assets of $11.93B, yielding a debt-to-equity ratio of 0.43 and a current ratio of 556939.12. In FY2025, operating cash flow reached $584.5M and free cash flow was $553.9M. Capital allocation in FY2025 included $30.6M in capital expenditures, $79.6M in dividends paid, and $301.9M directed toward share buybacks.

At $29.27, Kemper trades at a forward P/E of 8.5x, below the 10.8x median of its US-listed Financial Services peers. Its price-to-sales ratio of 0.4x is lower than the peer median of 3.2x, and its price-to-book ratio is 0.7x. Kemper carries an enterprise value of $2.41B and a PEG ratio of 0.75. Over the trailing 12 months, the stock dropped 35.6%, compared to a 16.8% gain for the S&P 500 (SPY). Over five years, the stock has dropped 49.5% versus an 83.0% gain for the benchmark.

Kemper provides a forward annual dividend of $1.28 per share, representing a dividend yield of 4.37%. Distributions are made quarterly, with an annualized 5-year dividend growth rate of 1.3% and a 37-year payment record. The current payout ratio is 103.2%, and the last ex-dividend date was August 21, 2026.

Consensus coverage includes 2 Strong Buy, 2 Hold, and 2 Sell ratings. The mean price target is $36.33, implying 24.1% upside from the last close of $29.27. For the fiscal year ending December 31, 2026, analysts estimate revenue of $4.37B and EPS of $2.05, representing an EPS decline of 43.1%. For the following fiscal year, 5 analysts project revenue of $4.27B and EPS of $4.23. The company has beaten EPS estimates in 1 of the last 4 quarters, and its next earnings date is November 4, 2026.

This page is an AI-written research summary of Kemper Corporation (KMPR). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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