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Kemper Corporation (KMPR)



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Upturn Advisory Summary
08/28/2025: KMPR (1-star) is currently NOT-A-BUY. Pass it for now.
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 ![]() | Stock Returns Performance ![]() |
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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 |
Upturn AI SWOT
Kemper Corporation

Company Overview
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.
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 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
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
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
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.
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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