Kemper/$KMPR
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Kemper
Kemper Corp is an insurance holding company that offers complementary insurance products through its subsidiaries, including personal and commercial automobile insurance to consumers in targeted markets and industries. Kemper also offers life and other insurance solutions based on the needs of its clients. The company offers its insurance products through a vast network of agents and brokers, mainly under the Kemper Auto and Kemper Life brands. It has two operating segments: Specialty Property & Casualty Insurance and Life Insurance. The majority of the company's revenue is generated from the Specialty Property & Casualty Insurance segment, whose principal products are specialty personal automobile and commercial automobile insurance. Geographically, it operates only in the United States.
- Ticker
- $KMPR
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 7,350
- Headquarters
- Chicago, United States
- Website
- www.kemper.com
Kemper Metrics
BasicAdvanced
$2.1B
-
-$8.33
1.03
$1.28
3.62%
Price and volume
Market cap
$2.1B
Beta
1.03
52-week high
$41.74
52-week low
$22.69
Average daily volume
868K
Dividend rate
$1.28
Financial strength
Current ratio
0.817
Quick ratio
0.779
Long term debt to equity
0.64
Total debt to equity
0.64
Interest coverage (TTM)
1.14%
Profitability
EBITDA (TTM)
113.5
Gross margin (TTM)
25.40%
Net profit margin (TTM)
-10.79%
Operating margin (TTM)
0.90%
Effective tax rate (TTM)
3.24%
Revenue per employee (TTM)
$620,000
Management effectiveness
Return on assets (TTM)
0.21%
Return on equity (TTM)
-19.70%
Valuation
Price to revenue (TTM)
0.457
Price to book
0.95
Price to tangible book (TTM)
1.48
Price to free cash flow (TTM)
5.297
Free cash flow yield (TTM)
18.88%
Free cash flow per share (TTM)
6.67
Dividend yield (TTM)
3.62%
Forward dividend yield
3.62%
Growth
Revenue change (TTM)
-4.00%
Earnings per share change (TTM)
-256.94%
3-year revenue growth (CAGR)
-4.62%
10-year revenue growth (CAGR)
6.40%
3-year earnings per share growth (CAGR)
20.35%
10-year earnings per share growth (CAGR)
25.44%
3-year dividend per share growth (CAGR)
1.06%
10-year dividend per share growth (CAGR)
2.92%
What the Analysts think about Kemper
Analyst ratings (Buy, Hold, Sell) for Kemper stock.
Analyst projections of the future price of Kemper stock.
Bulls say / Bears say
Kemper’s adjusted operating income rose to about $60 million in Q3 from $26 million in Q2, while its Specialty Auto underlying combined ratio improved to 101.7% from 102.3%. That points to a gradual recovery, although underwriting is not yet profitable. (Nasdaq)
Commercial Auto has been a relative strength: its underlying combined ratio was 93.7% in Q2, and policies in force grew 9.2% year on year. This gives Kemper a profitable growth engine outside its troubled personal auto book. (The Motley Fool)
Life Insurance offers a steadier earnings stream, with operating earnings rising to about $20 million in Q3 from $18 million in Q2. Its contribution helps cushion volatility in auto underwriting. (Nasdaq)
Despite the sequential improvement, Specialty Auto’s Q3 underlying combined ratio remained above 100%, meaning current claims and expenses still exceeded premiums. The headline 99.2% ratio also benefited from about $23 million of reserve releases. (Insurance Business, Nasdaq)
Commercial Auto reserves remain a risk: Kemper recorded $23.9 million of adverse prior-year development in that line during the first half of 2026, linked to changing loss patterns and higher legal defence costs. Further reserve strengthening could weigh on earnings. (SEC)
AM Best moved Kemper’s outlooks to negative, citing California concentration, a difficult regulatory environment that may delay adequate pricing, and higher parent-company leverage. This raises concern that weak underwriting could also constrain financial flexibility. (Business Wire)
Data summarised monthly by Lightyear AI. Last updated on 29 Oct 2026.
Kemper Financial Performance
Revenues and expenses
Kemper Earnings Performance
Company profitability
Upcoming events
Kemper News
AllArticlesVideos
Kemper Announces Quarterly Dividend
Business Wire1 day ago
Kemper Establishes Enterprise Distribution & Marketing Organization and Announces Business Leadership Appointments
Business Wire1 month ago
AM Best Revises Outlooks to Negative for Kemper Corporation, Its Affiliates and Subsidiaries
Business Wire2 months ago
Funds containing Kemper
AllUSDEURGBP
Fund name | Fund size | $KMPR weighting |
|---|---|---|
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.12% |
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.12% |
iShares S&P Small Cap 600£ISP6 | $3.2B | 0.12% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.07% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.07% |
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