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KMPR 
Kemper Corporation (KMPR)
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Upturn Advisory Summary
12/01/2025: 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 $59.6
1 Year Target Price $59.6
| 3 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -17.44% | 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 12/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.55B USD | Price to earnings Ratio 10.48 | 1Y Target Price 59.6 |
Price to earnings Ratio 10.48 | 1Y Target Price 59.6 | ||
Volume (30-day avg) 6 | Beta 1.14 | 52 Weeks Range 33.63 - 70.53 | Updated Date 12/1/2025 |
52 Weeks Range 33.63 - 70.53 | Updated Date 12/1/2025 | ||
Dividends yield (FY) 3.12% | Basic EPS (TTM) 3.88 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-11-05 | When After Market | Estimate 1.3 | Actual 0.33 |
Profitability
Profit Margin 5.13% | Operating Margin (TTM) -1.93% |
Management Effectiveness
Return on Assets (TTM) 1.87% | Return on Equity (TTM) 8.68% |
Valuation
Trailing PE 10.48 | Forward PE 6.68 | Enterprise Value 3219728139 | Price to Sales(TTM) 0.53 |
Enterprise Value 3219728139 | Price to Sales(TTM) 0.53 | ||
Enterprise Value to Revenue 0.67 | Enterprise Value to EBITDA - | Shares Outstanding 58546860 | Shares Floating 55457342 |
Shares Outstanding 58546860 | Shares Floating 55457342 | ||
Percent Insiders 0.93 | Percent Institutions 90.96 |
Upturn AI SWOT
Kemper Corporation
Company Overview
History and Background
Kemper Corporation was founded in 1990, tracing its roots back to Lumbermens Mutual Casualty Company, founded in 1912. It evolved through various acquisitions and divestitures, focusing on providing specialized insurance products and services.
Core Business Areas
- Specialty Property & Casualty Insurance: Provides a range of specialty property and casualty insurance products, including auto, home, and renters insurance, often targeting underserved markets.
- Life & Health Insurance: Offers life and health insurance products, including term life, whole life, and supplemental health insurance.
Leadership and Structure
Kemper Corporation is led by a CEO and executive team, with a hierarchical organizational structure divided into business segments and functional departments.
Top Products and Market Share
Key Offerings
- Non-Standard Auto Insurance: Kemper's non-standard auto insurance caters to drivers who may have difficulty obtaining coverage from standard insurers due to their driving history. Market share data is fragmented, but Kemper is a significant player in this niche. Competitors include Progressive, The General, and Direct General.
- Supplemental Health Insurance: Coverage to fill gaps from major medical policies. Competitors include Aflac, Cigna.
Market Dynamics
Industry Overview
The insurance industry is highly competitive and regulated, facing challenges from economic cycles, changing consumer preferences, and increasing claims costs. The market is generally growing.
Positioning
Kemper Corporation positions itself as a specialist insurer, focusing on niche markets and underserved customer segments. Its competitive advantage lies in its expertise in these specialized areas and its ability to manage risk effectively.
Total Addressable Market (TAM)
The total addressable market for specialty insurance is estimated to be in the billions of dollars. Kemper Corporation is positioned to capture a share of this market through its focus on underserved customer segments.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in niche markets
- Expertise in underwriting and risk management
- Established distribution network
- Diversified product portfolio
Weaknesses
- Limited geographic presence compared to larger competitors
- Higher expense ratio than some peers
- Susceptibility to catastrophic events
- Smaller market share relative to industry giants
Opportunities
- Expanding into new geographic markets
- Developing new products and services
- Leveraging technology to improve efficiency
- Acquiring smaller competitors
Threats
- Increased competition from larger insurers
- Rising claims costs
- Changes in regulatory environment
- Economic downturn
Competitors and Market Share
Key Competitors
- PGR
- GWH
- AFG
- HIG
Competitive Landscape
Kemper faces intense competition from larger, more established insurers. It differentiates itself through its focus on niche markets and its expertise in underwriting complex risks.
Major Acquisitions
American Access Casualty Company
- Year: 2021
- Acquisition Price (USD millions): 370
- Strategic Rationale: Expanded Kemper's presence in the non-standard auto insurance market.
Growth Trajectory and Initiatives
Historical Growth: Kemper's historical growth has been driven by acquisitions and organic growth in its core business segments. Data requires access to historical financial data.
Future Projections: Future projections depend on analyst estimates and company guidance. Data requires access to financial news services and analyst reports.
Recent Initiatives: Kemper has recently focused on digital transformation and expanding its product offerings.
Summary
Kemper Corporation is a specialty insurer focused on niche markets. While it possesses strengths in underwriting and brand recognition, it faces challenges related to competition and expense ratios. Its growth depends on expansion and effective risk management. Continued focus on digital transformation and product innovation will be essential.
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Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Financial performance and projections are subject to change based on market conditions and company performance.
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 | Interim CEO, Executive VP, General Counsel & Secretary Mr. Carl Thomas Evans 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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