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Company Analysis

Kemper Corporation KMPR

A comprehensive view of key metrics, scores, and financial health for Kemper Corporation

Overview of Kemper Corporation

KMPR NYQ
Financial Services Insurance - Property & Casualty Small Cap
Kemper Corporation (KMPR), is a Small Cap company, in the Insurance - Property & Casualty industry, last closed at $29.72, about 58.8% undervalued vs fair value, -56.4% 1Y return, ranked 353/1004 in sector.
$29.72
1.99%
As of March 13, 2026
Previous close • Vol 90d: 44.0%
52-Week Range
Market Cap
$1.73B
Enterprise Value
$2.55B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.kemper.com
HQ Chicago, IL
Employees 7,300
Fiscal year Dec 31

Next Events

Earnings May 6 Estimated

Fair Value Snapshot

Bear Base Bull
$26
$47
$88
Current: $29.72 +59% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$317.4M
-1%%
Interest Expense
$38.5M
Net Interest Income
$-38.5M
32.3%%
Total Revenue
$4.8B
3.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
5.3%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$381.5M
266.2% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Kemper Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
34
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
49
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing KMPR's balance between Growth (12.9%), Profitability (33.8%), and Safety (53.3%). Growth 13% Safety 53% Profitability 34%

Click axes to expand details. Marker shows current allocation.

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Growth

8th percentile vs peers
9
Key Signals
Rev Growth YoY 3.2% 15p EPS Growth YoY -53.3% 7p Revenue CAGR 3Y -4.3% 4p TSR -36.9% 2p
Strengths
  • Gross Profit Margin in top 20% of peers (1.00, 97th percentile)
  • Debt/Fcf Ratio in top 20% of peers (1.70, 88th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Growth in bottom 20% of peers (percentile: 8)
  • Rev Growth Yoy in bottom 20% of peers (3.2%)
  • Eps Growth Yoy in bottom 20% of peers (-53.3%)

Profitability

23th percentile vs peers
23
Key Signals
Strengths
Risks
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Safety

36th percentile vs peers
37
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Kemper Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$47.21
- - -
+58.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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