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Upturn AI Summary - About
Kemper Corporation(KMPR)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for KMPR
10/23/2026: KMPR (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Kemper Corporation is a specialized insurer focusing on non-standard auto and specialty property lines, making it a key player in niche segments rather than the broader mass market. The company has a leading position in its target demographics, which historically has allowed for specialized risk selection. Its growth story hinges on successfully navigating inflationary claim costs and leveraging digital transformation to improve efficiency. However, intense competition from national insurance giants and sensitivity to catastrophic events present notable execution risks. For investors, Kemper is primarily suitable for those seeking a value-oriented insurance stock, as its long-term performance is closely tied to underwriting discipline and consistent dividend income.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely dependent on successful underwriting turnarounds rather than rapid market expansion. |
| Momentum investor | Weak fit | The stock often requires sustained operational improvement signals to gain consistent momentum. |
| Value investor | Strong fit while signal remains positive | Often evaluated based on price-to-book and valuation relative to underwriting recovery prospects. |
| Dividend investor | Strong fit | The company maintains a track record of consistent dividend payments attractive to income-focused investors. |
| Low-risk investor | Mixed fit | Insurance underwriting volatility can lead to stock price swings that may challenge low-risk thresholds. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Earnings sensitivity to catastrophic events and claim trends can cause significant stock price movement. |
| Valuation risk | Medium | Market pricing of the stock often reflects fluctuating confidence in underwriting profitability. |
| Competition risk (Allstate/Progressive) | High | Massive competitors with greater scale exert constant pressure on pricing and market share. |
| Business quality | Medium | As a specialty insurer, the business quality is tied directly to underwriting discipline and risk selection. |
| Dividend income | Medium | Sustainability depends on the company's ability to maintain core earnings across market cycles. |
| Execution risk | Medium / high | Successfully executing turnaround strategies in the auto segment is essential for long-term value. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -30.7% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.70B USD | Price to earnings Ratio - | 1Y Target Price 36.33 |
Price to earnings Ratio - | 1Y Target Price 36.33 | ||
Volume (30-day avg) 876.8K shares | Beta 1.06 | 52 Weeks Range 22.42 - 45.78 | Updated Date 10/23/2026 |
52 Weeks Range 22.42 - 45.78 | Updated Date 10/23/2026 | ||
Dividends yield (FY) 4.28% | Basic EPS (TTM) -8.05 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Personal Lines Insurance | Non-standard auto and specialty homeowners insurance policies. | The company collects premiums from drivers and homeowners and pays out claims, aiming for a profit on the difference. |
| Life and Health Insurance | Life, accident, and supplemental health insurance products. | This provides a steady, though slower-growing, source of insurance revenue and cash flow. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE - | Forward PE 8.47 | Enterprise Value 2.41B | Price to Sales(TTM) 0.37 |
Enterprise Value 2.41B | Price to Sales(TTM) 0.37 | ||
Enterprise Value to Revenue 0.53 | Enterprise Value to EBITDA - | Shares Outstanding 58.87M | Shares Floating 54.88M |
Shares Outstanding 58.87M | Shares Floating 54.88M | ||
Percent Insiders 1.25 | Percent Institutions 98.53 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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