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KMPR stock logo

KMPR

Kemper Corporation

$24.96
0.61
 (2.48%)
Exchange:  NYSE
Market Cap:  1.469B
Shares Outstanding:  110.604M
Delayed data
Calculate KMPR Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Insurance – Property & Casualty
   
CEO:  Carl Thomas Evans Jr.
Full Time Employees:  7400
Address: 
200 East Randolph Street
Chicago
IL
60601
US
Website:  https://www.kemper.com
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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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/05/06 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue4,945,3004,632,7004,800,500
Gross Profit1,125,300589,4001,425,000
EBITDA-232,400499,100273,500
Operating Income-347,100388,500160,700
Net Income-272,100317,800143,300

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets12,742,70012,630,40012,472,700
Total Liabilities10,237,7009,846,1009,803,300
Total Stockholders Equity2,505,2002,788,4002,681,400
Total Debt1,389,2001,391,300943,500
Cash and Cash Equivalents64,10065,400126,000

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow-134,199.999382,900584,500
Capital Expenditure-53,8000-30,600
Free Cash Flow-188,000382,900553,900
Net Income-272,300312,5000
Net Change in Cash-148,3001,30060,599.999

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)5,374,050.831Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)5,374,050.837Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)5,374,050.834Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)57,854.880Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)57,854.880Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)57,854.880Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)294,312.376Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)389,940.844Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)342,126.610Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)395,610.629Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)395,610.630Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)395,610.629Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)5.330Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)6.230Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)4.700Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
4.644B  ?P/S
 (TTM)
: 
0.31
?Net Income
 (TTM)
: 
317.8M  ?P/E
 (TTM)
: 
34.73
?Enterprise Value
 (TTM)
: 
2.309B  ?EV/FCF
 (TTM)
: 
5.03
?Dividend Yield
 (TTM)
: 
0.05  ?Payout Ratio
 (TTM)
: 
1.85
?ROE
 (TTM)
: 
0.02  ?ROIC
 (TTM)
: 
0
?Net Debt
 (TTM)
: 
1.379B  ?Debt/Equity
 (TTM)
: 
0.36
?P/B
 (TTM)
: 
0.55  ?Current Ratio
 (TTM)
: 
0

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
4.72Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates KMPR intrinsic value between $65.38 – $86.98 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about KMPR valuation

Is Kemper Corporation (KMPR) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Kemper Corporation (KMPR) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is KMPR a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether KMPR trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is KMPR’s P/E ratio?

You can see KMPR’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for KMPR?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is KMPR a good long-term investment?

Whether KMPR fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

KMPR

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

2.48
MARKETSnap

Trading Metrics:

Open: 24.64   Previous Close: 24.35
Day Low: 24.51   Day High: 24.96
Year Low: 22.69   Year High: 65.32
Price Avg 50: 30.23   Price Avg 200: 38.66
Volume: 75318   Average Volume: 1.281M

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See in Nexus

Relevant news

Kemper Q1 Earnings Call Highlights
11-05-2026 02:08
Kemper Q1 Earnings Call Highlights
Kemper Corporation (KMPR) Q1 2026 Earnings Call Transcript
06-05-2026 22:11
Kemper Corporation (KMPR) Q1 2026 Earnings Call Transcript
Compared to Estimates, Kemper (KMPR) Q1 Earnings: A Look at Key Metrics
06-05-2026 22:01
Compared to Estimates, Kemper (KMPR) Q1 Earnings: A Look at Key Metrics
Kemper Executives to Speak at Raymond James 47th Annual Investors Conference
24-02-2026 09:00
Kemper Executives to Speak at Raymond James 47th Annual Investors Conference
Kemper (NYSE:KMPR) Reaches New 52-Week Low Following Weak Earnings
06-02-2026 01:56
Kemper (NYSE:KMPR) Reaches New 52-Week Low Following Weak Earnings
Kemper (KMPR) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates
04-02-2026 21:30
Kemper (KMPR) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates

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