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Upturn AI SWOT - About
KMPR 
Kemper Corporation (KMPR)
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Upturn Advisory Summary
10/14/2025: KMPR (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
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
| 3 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -17.43% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.16B USD | Price to earnings Ratio 9.06 | 1Y Target Price 67.6 |
Price to earnings Ratio 9.06 | 1Y Target Price 67.6 | ||
Volume (30-day avg) 6 | Beta 1.25 | 52 Weeks Range 44.75 - 71.87 | Updated Date 10/14/2025 |
52 Weeks Range 44.75 - 71.87 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 2.62% | Basic EPS (TTM) 5.56 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 9.06 | Forward PE 8.47 | Enterprise Value 3927836162 | Price to Sales(TTM) 0.66 |
Enterprise Value 3927836162 | Price to Sales(TTM) 0.66 | ||
Enterprise Value to Revenue 0.82 | Enterprise Value to EBITDA - | Shares Outstanding 62742781 | Shares Floating 59665875 |
Shares Outstanding 62742781 | Shares Floating 59665875 | ||
Percent Insiders 0.83 | Percent Institutions 88.73 |
Upturn AI SWOT
Kemper Corporation
Company Overview
History and Background
Kemper Corporation was founded in 1990 and is a diversified insurance holding company. It operates through its subsidiaries, providing a range of property and casualty, life, and health insurance products.
Core Business Areas
- Specialty Property & Casualty Insurance: Focuses on providing auto, homeowners, and umbrella insurance products to individuals and families. Emphasizes niche markets like nonstandard auto.
- Life and Health Insurance: Offers life, health, and accident insurance products, serving individuals and groups.
- Other: Includes corporate and other activities not directly allocated to the operating segments.
Leadership and Structure
Kemper Corporation is led by a board of directors and a senior management team. The organizational structure consists of various departments and divisions responsible for different aspects of the business, reporting up to the CEO.
Top Products and Market Share
Key Offerings
- Nonstandard Auto Insurance: Provides auto insurance to drivers with less-than-perfect driving records. Market share data is difficult to pinpoint precisely, but Kemper is a significant player in this segment. Competitors include The Progressive Corporation (PGR) and Direct General Corporation.
- Homeowners Insurance: Offers coverage for homes and personal property. This is a competitive market with many national and regional players. Competitors include State Farm, Allstate (ALL), and Travelers (TRV).
- Life Insurance: Offers insurance protection for individuals, families and business. Competitors include New York Life, Northwestern Mutual and Prudential Financial Inc (PRU).
Market Dynamics
Industry Overview
The insurance industry is highly competitive and heavily regulated. Factors such as interest rates, economic conditions, and regulatory changes significantly impact the industry.
Positioning
Kemper Corporation positions itself as a provider of specialty insurance products, focusing on niche markets and underserved segments.
Total Addressable Market (TAM)
The total addressable market for insurance is vast, encompassing trillions of dollars. Kemper focuses on specific segments within this larger market, aiming to capture a significant share of its chosen niches.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in niche markets
- Established distribution network
- Diversified product portfolio
- Experienced management team
Weaknesses
- Higher expense ratio compared to larger competitors
- Limited geographic presence compared to national players
- Exposure to underwriting risks
- Reliance on specific distribution channels
Opportunities
- Expanding into new geographic markets
- Developing innovative insurance products
- Leveraging technology to improve efficiency
- Acquiring smaller insurance companies
Threats
- Increased competition from larger insurers
- Regulatory changes
- Economic downturns
- Catastrophic events
Competitors and Market Share
Key Competitors
- PGR
- ALL
- TRV
- GWO.TO
- BRK.A
- L
- WRB
Competitive Landscape
Kemper Corporation faces competition from larger, more established insurance companies. To compete effectively, Kemper focuses on niche markets and providing specialized products and services.
Major Acquisitions
American Access Casualty Company
- Year: 2021
- Acquisition Price (USD millions): 370
- Strategic Rationale: To expand Kemper's presence in the specialty auto insurance market.
Growth Trajectory and Initiatives
Historical Growth: Kemper Corporation's historical growth has been driven by acquisitions and organic growth within its specialty insurance segments.
Future Projections: Analysts project continued growth for Kemper Corporation, driven by favorable industry trends and the company's strategic initiatives. Analyst projections depend on economic climate and may change.
Recent Initiatives: Recent initiatives include expanding distribution channels, investing in technology, and acquiring smaller insurance companies to increase market share.
Summary
Kemper Corporation operates in a competitive insurance landscape focusing on niche markets like nonstandard auto. Its strength lies in its specialized products and established distribution network. However, higher expense ratios and limited geographic presence are weaknesses. Growth opportunities exist through expansion and technology adoption, but threats include increased competition and regulatory changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Market Research Reports
- Analyst Reports
- Company Press Releases
- Third Party Financial Data Providers
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. The information provided is based on available data and is subject to change. Investment decisions should be made based on individual risk tolerance and due diligence.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Website https://www.kemper.com |
Full time employees 7400 | Website https://www.kemper.com | ||
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.
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