Kemper Corporation (KMPR) is a publicly traded company in the Financial Services — Insurance - Property & Casualty industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
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.
Analysis Summary
Kemper Corporation reported revenue of $4.80B in the most recent fiscal year, growing at a 5-year CAGR of -1.5%. Net income reached $143.3M, with a -19.0% 5-year CAGR.
Trailing-twelve-month margins: gross margin 36.2%, operating margin -11.4%, net margin -10.8%. Free cash flow grew at 7.0% CAGR over 5 years.
At the current price of $27.40, KMPR has negative trailing earnings (P/E not meaningful) and an ROE of -19.33%. Market capitalisation stands at $1.6B.
Balance sheet quality for KMPR: current ratio of 0.0, net debt of $551.0M. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is strong: free cash flow of $553.9M represents 387% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $27.40 |
| Market Cap | $1.6B |
| Exchange | NYSE |
| Country | US |
Valuation Ratios
| Price / Book | 0.74 |
| EV / EBITDA | -5.79 |
| Dividend Yield | 4.63% |
Profitability
| Return on Equity | -19.33% |
| Return on Invested Capital | -4.23% |
| Return on Assets | -4.15% |
| Gross Margin | 36.16% |
| Operating Margin | -11.40% |
| Net Margin | -10.83% |
Financial Health
| Debt / Equity | 0.43 |
| Current Ratio | 0.00 |
What to look at in Insurance
Insurers earn in 2 ways: underwriting well (combined ratio) and investing the float. Buffett built Berkshire that way.
- Op Margin 5y (Combined Ratio proxy) — Combined ratio proxy when FMP does not expose it. ≥10% 5y average = underwriting discipline (CR <100%)
- Book Value / Share growth — How Buffett measures Berkshire. The real value shareholders accumulate
- Debt / Equity — Leveraged insurers fail fast under catastrophes
- P/B (Price / Book) — Insurers are valued by book multiple. Here it is crossed with ROE (quality × valuation)
- Dividend growth streak — Consecutive years raising dividend per share — solid insurers stack decades
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| KMPR | Kemper Corporation | $1.6B | 0.74 | -19.3% | |
| BHF | Brighthouse Financial, Inc. | $2.8B | 3.75 | 0.42 | 6.4% |
| WSBC | WesBanco, Inc. | $3.8B | 11.30 | 0.93 | 8.7% |
| PLMR | Palomar Holdings, Inc. | $3.7B | 19.00 | 3.91 | 21.6% |
| NMIH | NMI Holdings, Inc. | $3.3B | 8.20 | 1.19 | 15.1% |
| SLDE | Slide Insurance Holdings, Inc. Common Stock | $3.0B | 5.62 | 2.56 | 50.7% |
| HCI | HCI Group, Inc. | $2.4B | 7.25 | 1.98 | 30.8% |
Price Performance
| 1 month | +4.54% |
| 3 months | +9.47% |
| Year-to-date | -32.41% |
| 1 year | -47.96% |
| 3 years | -41.68% |
| 5 years | -57.89% |
52-Week Range
| 52-week High | $53.25 |
| 52-week Low | $22.69 |
| Avg Volume (90d) | 1.1M |
Dividend History
| Date | Amount | Yield |
|---|---|---|
| 2026-08-21 | $0.3200 | 4.67% |
| 2026-05-18 | $0.3200 | 4.67% |
| 2026-02-17 | $0.3200 | 4.67% |
| 2025-11-17 | $0.3200 | 4.67% |
| 2025-08-18 | $0.3200 | 4.67% |
| 2025-05-19 | $0.3200 | 4.67% |
| 2025-02-18 | $0.3200 | 4.67% |
| 2024-11-18 | $0.3100 | 4.53% |
| 2024-08-19 | $0.3100 | 4.53% |
| 2024-05-10 | $0.3100 | 4.53% |
Related companies: AHL · BHF · ECC · HCI · NMIH · PLMR · SLDE
Explore sector: Financial Services · Insurance - Property & Casualty
More sections of KMPR: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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