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KMPR logo KMPR
Upturn stock ratingUpturn stock rating
KMPR logo

Kemper Corporation (KMPR)

Upturn stock ratingUpturn stock rating
$53.37
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

08/28/2025: KMPR (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

6 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $67.6

1 Year Target Price $67.6

Analysts Price Target For last 52 week
$67.6 Target price
52w Low $44.75
Current$53.37
52w High $71.87

Analysis of Past Performance

Type Stock
Historic Profit -17.43%
Avg. Invested days 44
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 1.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/28/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 3.37B USD
Price to earnings Ratio 10.1
1Y Target Price 67.6
Price to earnings Ratio 10.1
1Y Target Price 67.6
Volume (30-day avg) 6
Beta 1.26
52 Weeks Range 44.75 - 71.87
Updated Date 08/29/2025
52 Weeks Range 44.75 - 71.87
Updated Date 08/29/2025
Dividends yield (FY) 2.36%
Basic EPS (TTM) 5.31

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date 2025-08-05
When -
Estimate 1.52
Actual 1.3

Profitability

Profit Margin 7.18%
Operating Margin (TTM) 8.27%

Management Effectiveness

Return on Assets (TTM) 2.48%
Return on Equity (TTM) 11.92%

Valuation

Trailing PE 10.1
Forward PE 9.48
Enterprise Value 4114182221
Price to Sales(TTM) 0.7
Enterprise Value 4114182221
Price to Sales(TTM) 0.7
Enterprise Value to Revenue 0.86
Enterprise Value to EBITDA -
Shares Outstanding 62742800
Shares Floating 59663993
Shares Outstanding 62742800
Shares Floating 59663993
Percent Insiders 4.79
Percent Institutions 89.21

ai summary icon Upturn AI SWOT

Kemper Corporation

stock logo

Company Overview

overview logo History and Background

Kemper Corporation was founded in 1912 as Lumbermens Mutual Casualty Company. It evolved into a diversified insurance provider through organic growth and acquisitions, focusing on specialty property and casualty insurance products. The company went public in 1994.

business area logo Core Business Areas

  • Specialty Property & Casualty Insurance: Provides auto, home, and other personal lines insurance to individuals, often through independent agents. Focuses on underserved markets and non-standard risks.
  • Life and Health Insurance: Offers life and supplemental health insurance products to individuals and groups.

leadership logo Leadership and Structure

The leadership team is headed by the CEO, and the organizational structure includes various functional departments like finance, underwriting, claims, and marketing, each with its respective leadership.

Top Products and Market Share

overview logo Key Offerings

  • Non-Standard Auto Insurance: Auto insurance for drivers with a less-than-perfect driving record. Market share fluctuates but is a significant portion of their P&C segment revenue. Competitors include Progressive, The Hartford, and Direct General.
  • Home Insurance: Homeowners insurance. Competitors include State Farm, Allstate, Progressive, and Geico.
  • Life Insurance: Term life, whole life and other life insurance products. Competitors include New York Life, Northwestern Mutual, and Prudential.

Market Dynamics

industry overview logo Industry Overview

The insurance industry is highly competitive and subject to regulatory oversight. Factors like interest rates, economic conditions, and catastrophic events impact profitability.

Positioning

Kemper focuses on niche markets within the insurance industry, particularly non-standard auto insurance, allowing it to cater to specific customer segments and potentially command higher premiums.

Total Addressable Market (TAM)

The US insurance market is estimated to be in the trillions of dollars. Kemper is positioned to capture a fraction of this TAM by specializing in segments like non-standard auto insurance and other underserved markets.

Upturn SWOT Analysis

Strengths

  • Focus on niche markets
  • Strong distribution network through independent agents
  • Experienced management team
  • Diversified product offerings

Weaknesses

  • Exposure to catastrophic events
  • Sensitivity to interest rate fluctuations
  • Dependence on independent agents
  • Higher risk customer base can lead to higher claims

Opportunities

  • Expansion into new geographic markets
  • Development of new insurance products
  • Strategic acquisitions
  • Increased adoption of technology for underwriting and claims processing

Threats

  • Increased competition from larger insurance companies
  • Changes in regulatory environment
  • Economic downturns
  • Rising claims costs due to inflation and increased litigation

Competitors and Market Share

competitor logo Key Competitors

  • PGR
  • ALL
  • TRV
  • HIG

Competitive Landscape

Kemper competes with larger, more established insurance companies. Its competitive advantage lies in its focus on niche markets and independent agent distribution network.

Major Acquisitions

American Access Casualty Company

  • Year: 2021
  • Acquisition Price (USD millions): 370
  • Strategic Rationale: Expansion of specialty P&C insurance business and increased market share in underserved communities.

Growth Trajectory and Initiatives

Historical Growth: Kemper's historical growth has been a mix of organic expansion and acquisitions. Revenue has grown slowly and steadily.

Future Projections: Analyst estimates suggest continued growth. Projections are contingent on economic conditions and company-specific factors.

Recent Initiatives: Recent initiatives may include new product launches, expansion into new markets, or technology investments.

Summary

Kemper is a niche player in the insurance market, focusing on underserved and higher-risk segments. While their diversified product offerings and strong distribution network are strengths, they face stiff competition and exposure to economic uncertainties. Recent acquisitions may help in growth, but they need to manage claims and costs effectively. Overall, Kemper requires strategic execution to remain competitive.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Filings (10-K, 10-Q)
  • Industry Reports
  • Analyst Estimates
  • Company Website

Disclaimers:

This analysis is based on available data and is for informational purposes only. It does not constitute financial advice. Market conditions can change rapidly, and past performance is not indicative of future results.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Kemper Corporation

Exchange NYSE
Headquaters Chicago, IL, United States
IPO Launch date 1991-09-18
President, CEO & Director Mr. Joseph Patrick Lacher Jr.
Sector Financial Services
Industry Insurance - Property & Casualty
Full time employees 7400
Full time employees 7400

Kemper Corporation, an insurance holding company, provides insurance products in the United States. The company operates in two segments, Specialty Property & Casualty Insurance, and Life Insurance. The Specialty Property & Casualty Insurance segment primarily offers specialty personal automobile and commercial automobile insurance through independent agents and brokers. The Life Insurance segment primarily provides individual life, accident, supplemental health, and property insurance. The company was formerly known as Unitrin, Inc. and changed its name to Kemper Corporation in August 2011. Kemper Corporation was incorporated in 1990 and is headquartered in Chicago, Illinois.