KMPR
BEARISH
$33.62
Live
Kemper Corporation · NYSE
Target $54.67
(+62.6%)
$28.41
52W Range
$66.13
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 29, 2026
Market cap
$1.98B
P/E
14.68
ROE
4.9%
Profit margin
3.0%
Debt/Equity
0.56
Dividend yield
3.81%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
KMPR presents as a classic value trap; while the Graham Number ($48.53) and P/B ratio (0.74) suggest deep value, the fundamental health is deteriorating. The Piotroski F-Score of 4/9 indicates only stable health, which is overshadowed by a catastrophic earnings trend featuring 0 beats in the last 4 quarters and a -57.11% average surprise. With YoY EPS growth collapsing by 83.4% and a bearish technical trend (0/100), the low valuation is a reflection of declining business quality rather than a market mispricing.
Key Strengths
Low Price-to-Book ratio (0.74) suggesting assets are undervalued
Low Price-to-Sales ratio (0.41) indicating cheap revenue multiples
Graham Number ($48.53) is significantly above current market price
Sustainable dividend payout ratio (55.90%)
Low Forward P/E (6.54) relative to historical norms
Key Risks
Severe earnings deterioration with -83.4% YoY EPS growth
Consistent failure to meet analyst expectations (0/4 beats in last 4 quarters)
Negative revenue growth (-4.70% YoY) indicating shrinking top line
Poor liquidity profile with a Current Ratio of 0.46
Strongly bearish technical trend and negative 5-year price performance (-54.6%)
AI Fair Value Estimate
Based on comprehensive analysis
$22.3
-33.7% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
43
Moderate
75
15
20
45
60
AI Verdict
Value Trap
Key drivers: Earnings collapse, Negative growth, Bearish technicals, Deep value metrics
Confidence
90%
Value
75/100
Ref P/E 14.68, PEG 0.75, Graham Number $48.53
Positives
- P/B < 1.0
- P/S < 0.5
- Price < Graham Number
Watchpoints
- Intrinsic value ($16.03) is well below current price
Future
15/100
Ref Growth rates and Earnings Surprise
Positives
- Low Forward P/E suggests potential for recovery if earnings stabilize
Watchpoints
- Negative YoY Revenue growth
- Massive EPS decline
- Consistent earnings misses
Past
20/100
Ref Historical price trends
Positives
- Period of profitability in 2024
Watchpoints
- 5Y Change -54.6%
- 1Y Change -41.3%
Health
45/100
Ref Piotroski F-Score and Liquidity Ratios
Positives
- Piotroski F-Score 4/9 (Stable)
Watchpoints
- Current Ratio 0.46
- Quick Ratio 0.43
Dividend
60/100
Ref Yield 3.81%, Payout 55.90%
Positives
- 3.81% yield
- Moderate payout ratio
Watchpoints
- Dividend sustainability is threatened by collapsing EPS
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$33.62
Analyst Target
$54.67
Upside/Downside
+62.6%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for KMPR and closest competitors.
Updated 2026-04-28
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
KMPR
Kemper Corporation
Primary
|
-54.6% | -25.5% | -41.3% | -25.7% | +11.5% | +2.1% |
|
AAMI
Acadian Asset Management Inc.
Peer
|
+169.4% | +146.4% | +115.3% | +38.3% | +14.0% | +1.4% |
|
EZPW
EZCORP, Inc.
Peer
|
+471.8% | +274.6% | +97.8% | +80.8% | +28.7% | +5.4% |
|
PWP
Perella Weinberg Partners
Peer
|
+117.7% | +158.2% | +38.4% | +13.0% | +27.4% | +5.5% |
|
LC
LendingClub Corporation
Peer
|
+5.5% | +135.0% | +53.6% | -6.4% | +22.2% | -3.0% |
KMP
Kemper Corporation
Primary
5Y
-54.6%
3Y
-25.5%
1Y
-41.3%
6M
-25.7%
1M
+11.5%
1W
+2.1%
AAM
Acadian Asset Management Inc.
Peer
5Y
+169.4%
3Y
+146.4%
1Y
+115.3%
6M
+38.3%
1M
+14.0%
1W
+1.4%
EZP
EZCORP, Inc.
Peer
5Y
+471.8%
3Y
+274.6%
1Y
+97.8%
6M
+80.8%
1M
+28.7%
1W
+5.4%
PWP
Perella Weinberg Partners
Peer
5Y
+117.7%
3Y
+158.2%
1Y
+38.4%
6M
+13.0%
1M
+27.4%
1W
+5.5%
LC
LendingClub Corporation
Peer
5Y
+5.5%
3Y
+135.0%
1Y
+53.6%
6M
-6.4%
1M
+22.2%
1W
-3.0%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
14.68
Forward P/E
6.54
PEG Ratio
0.75
P/B Ratio
0.74
P/S Ratio
0.41
EV/Revenue
0.63
EV/EBITDA
9.66
Market Cap
$1.98B
Profitability
Profit margins and return metrics
Profit Margin
2.99%
Operating Margin
2.94%
Gross Margin
29.53%
ROE
4.86%
ROA
1.18%
Growth
Revenue and earnings growth rates
Revenue Growth
-4.7%
Earnings Growth
N/A
Q/Q Revenue Growth
-4.57%
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.56
Moderate
Current Ratio
0.46
Weak
Quick Ratio
0.43
Poor
Cash/Share
$7.73
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$1.1B
Net Margin
-0.7%
Total Assets
$12.5B
Liabilities
$9.8B
Equity
$2.7B
Debt/Equity
3.66x
Operating CF
$0.2B
CapEx
$-0.0B
Free Cash Flow
$0.2B
FCF Yield
95%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-06
$N/A
2026-02-04
$0.25
-70.8% surprise
2025-11-05
$0.33
-75.0% surprise
2025-08-05
$1.12
-25.5% surprise
Financial Services Sector Comparison
Comparing KMPR against 864 companies in the Financial Services sector
(145 bullish, 368 neutral, 351 bearish)
P/E Ratio
14.68
This Stock
vs
34.88
Sector Avg
-57.9%
(Discount)
Return on Equity (ROE)
4.86%
This Stock
vs
-0.39%
Sector Avg
-1356.6%
(Below Avg)
Profit Margin
2.99%
This Stock
vs
93.92%
Sector Avg
-96.8%
(Weaker)
Debt to Equity
0.56
This Stock
vs
1.35
Sector Avg
-58.4%
(Less Debt)
Revenue Growth
-4.7%
This Stock
vs
36.33%
Sector Avg
-112.9%
(Slower)
Current Ratio
0.46
This Stock
vs
3.06
Sector Avg
-84.9%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
KMPR
Kemper Corporation
|
BEARISH | $1.98B | 14.68 | 4.9% | 3.0% | $33.62 | |
|
AAMI
Acadian Asset Management Inc.
|
NEUTRAL | $1.98B | 23.49 | 205.6% | 15.7% | $55.19 | Compare |
|
EZPW
EZCORP, Inc.
|
BULLISH | $1.99B | 20.54 | 13.0% | 9.2% | $32.25 | Compare |
|
PWP
Perella Weinberg Partners
|
NEUTRAL | $2.0B | 45.87 | 19.6% | 4.7% | $21.56 | Compare |
|
LC
LendingClub Corporation
|
NEUTRAL | $1.95B | 11.25 | 12.2% | 12.8% | $16.87 | Compare |
KMPR
Kemper Corporation
BEARISH
Mkt Cap
$2.0B
P/E
14.7
ROE
4.9%
Price
$33.62
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-06 | MCKINNEY SUZET M | Director | Sale | 504 | $17,469 |
| 2026-02-03 | RAMAMOORTHY ANAND | Officer | Stock Award | 4,989 | $190,031 |
| 2026-02-03 | EVANS CARL THOMAS JR. | Chief Executive Officer | Stock Award | 6,766 | $190,031 |
| 2026-02-03 | HUNTON MATTHEW A | Divisional Officer | Stock Award | 8,670 | $258,783 |
| 2026-02-03 | ALEXANDER JAMES ALLEN | Officer | Stock Award | 5,915 | $204,010 |
| 2026-02-03 | FLINT CHRISTOPHER WADE | Officer | Stock Award | 6,201 | $180,509 |
| 2026-02-03 | CAMDEN BRADLEY T. | Chief Financial Officer | Stock Award | 8,246 | $258,783 |
| 2026-02-03 | ROCK LAURA A | Officer | Stock Award | 4,989 | $190,031 |
| 2026-02-03 | BOSCHELLI JOHN MICHAEL | Chief Investment Officer | Stock Award | 8,129 | $225,036 |
| 2025-12-01 | EVANS CARL THOMAS JR. | General Counsel | Stock Award | 24,589 | $1,000,035 |
| 2025-12-01 | HUNTON MATTHEW A | Officer of Subsidiary Company | Stock Award | 19,056 | $775,008 |
| 2025-12-01 | ALEXANDER JAMES ALLEN | Officer | Stock Award | 9,221 | $375,018 |
| 2025-12-01 | FLINT CHRISTOPHER WADE | Officer | Stock Award | 12,295 | $500,038 |
| 2025-12-01 | CAMDEN BRADLEY T. | Chief Financial Officer | Stock Award | 19,056 | $775,008 |
| 2025-12-01 | ROCK LAURA A | Officer | Stock Award | 14,139 | $575,033 |
MCKINNEY SUZET M
Director
2026-02-06
504 shares
·
$17,469
RAMAMOORTHY ANAND
Officer
2026-02-03
4,989 shares
·
$190,031
EVANS CARL THOMAS JR.
Chief Executive Officer
2026-02-03
6,766 shares
·
$190,031
HUNTON MATTHEW A
Divisional Officer
2026-02-03
8,670 shares
·
$258,783
ALEXANDER JAMES ALLEN
Officer
2026-02-03
5,915 shares
·
$204,010
FLINT CHRISTOPHER WADE
Officer
2026-02-03
6,201 shares
·
$180,509
CAMDEN BRADLEY T.
Chief Financial Officer
2026-02-03
8,246 shares
·
$258,783
ROCK LAURA A
Officer
2026-02-03
4,989 shares
·
$190,031
BOSCHELLI JOHN MICHAEL
Chief Investment Officer
2026-02-03
8,129 shares
·
$225,036
EVANS CARL THOMAS JR.
General Counsel
2025-12-01
24,589 shares
·
$1,000,035
HUNTON MATTHEW A
Officer of Subsidiary Company
2025-12-01
19,056 shares
·
$775,008
ALEXANDER JAMES ALLEN
Officer
2025-12-01
9,221 shares
·
$375,018
FLINT CHRISTOPHER WADE
Officer
2025-12-01
12,295 shares
·
$500,038
CAMDEN BRADLEY T.
Chief Financial Officer
2025-12-01
19,056 shares
·
$775,008
ROCK LAURA A
Officer
2025-12-01
14,139 shares
·
$575,033
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
DEF 14A
10-K
8-K
8-K
8-K/A
10-Q
8-K
8-K
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
HOLD
3 analysts
UBS
2026-04-08
Buy
Buy
Citizens
2026-02-05
Market Outperform
Market Perform
William Blair
2025-12-18
Market Perform
Underperform
Piper Sandler
2025-11-06
Underweight
Underweight
Past News Coverage
Recent headlines mentioning KMPR from our newsroom.
Newest → oldest
No matching news yet.