KMPR logo

KEMPER CORP

KMPRNYSE
πŸ† #2195 by market capEarnings Nov 3US Equity
$25.67β–² $0.36 (+1.42%)
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24hβ–² 1.4%
7dβ–Ό 0.8%
14dβ–Ό 6.4%
30dβ–Ό 8.8%
ytdβ–Ό 36.7%
1yβ–Ό 50.2%
🏦Market Cap
$1.51B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+3.6%
Slowing
πŸ“ŠGross Margin
36.2%
Healthy
πŸ’΅FCF Margin
10.4%
Healthy
βš–οΈP/S Ratio
0.3x
Cheap
Otter Score
64
Fair

Trading Snapshot

Day Range
$25.39 – $25.83
52-Week Range
$22.69 – $52.12
Volume
$4.39B
Avg Volume
$4.78B
Shares Outstanding
58.9M
Next Earnings
Oct 24, 2026

Fundamentals Snapshot

Annual Revenue
$4.80B
Last Q Revenue
$1.09B
P/E Ratio
-3.1
P/S Ratio
0.3x
EPS (TTM)
$-8.42
Dividend Yield
4.98%
Dilution (1yr)
βˆ’9.0%

Why Investors Own KMPR

  • βœ“High-growth profile β€” revenue up +43.0% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 44% gross margin and 24% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

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KEMPER CORP

KMPR
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$4.8Bβ–² +3.6% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
29.7%β–² +133.3% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$161Mβ–Ό βˆ’58.6% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$554Mβ–² +68.0% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
58.8Mβ–Ό βˆ’9.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$818Mβ–² +$542M YoY
StockOtter Β· stockotter.space

About KEMPER CORP

Kemper Corporation functions as a comprehensive insurance holding entity, providing a wide array of property and casualty, alongside life and health insurance coverage throughout the United States. Its operations are divided into three primary segments: Specialty Property & Casualty Insurance, Preferred Property & Casualty Insurance, and Life & Health Insurance. The company offers individual clients a variety of property and casualty protection, such as automobile, homeowners', renters', fire, umbrella, and general liability policies. Additionally, it supplies commercial automobile insurance for businesses. Regarding life and health offerings, Kemper delivers diverse life insurance products, including both permanent and term options. It also provides supplementary accident and health plans, Medicare supplemental insurance, fixed hospital indemnity, home health care services, specific disease policies, and accident-only coverage, tailored for individuals across rural, suburban, and urban environments. Its insurance solutions are primarily distributed via a network of independent agents and brokers. Established in 1990 and based in Chicago, Illinois, the company rebranded as Kemper Corporation in August 2011, having previously operated under the name Unitrin, Inc.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
64/100

Analyst Price Target

β“˜
Average Target
$29.05
β–² +13.2% Upside
High Target$36.06
Low Target$25.69
Based on 26 analysts

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