Kemper Corporation (KMPR) Stock

Kemper Corporation (KMPR) is a Financials stock trading at $27.05 (as of 2026-08-21), with a market capitalization of $1.59B. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Kemper Corporation is a U.S. diversified insurance holding company providing property and casualty and life and health insurance. It operates through Specialty Property & Casualty, Preferred Property & Casualty, and Life & Health segments, offering products for individuals and commercial customers and distributing them through independent agents and brokers.

Understand Kemper Corporation: how it makes money

Kemper Corporation sells property and casualty insurance and life and health insurance in the United States, earning money by underwriting insurance policies for individuals and commercial customers across its Specialty Property & Casualty, Preferred Property & Casualty, and Life & Health segments.

Kemper's profit model depends on writing and servicing insurance across three reportable segments, with the life business tracked by the “Face Value of Enforced Business (Life Insurance Segment)” operating measure.

Business quality (Weak): Business is clearly diversified by line of insurance (three reportable segments), but the provided segment revenue breakdown is not cleanly available from the supplied data, so investors should focus on the operating measures shown for life insurance.

Valuation: At 35× earnings, KMPR trades 174% above the Insurance average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Diversified insurance lines: Kemper operates through three segments, Specialty Property & Casualty, Preferred Property & Casualty, and Life & Health, serving both individuals (for example, automobile, homeowners, renters) and businesses (commercial automobile).
  • Life insurance has an explicit operating tracker in the data: The provided operating set includes “Face Value of Enforced Business (Life Insurance Segment),” giving a direct measure tied to the life segment.

Bear case

  • Life operating earnings show no positive figure in the provided snapshot: The provided operating metric “Operating Earnings - Life Segment” is 0.0 in the latest period shown, which can indicate weak contribution from that segment based on the supplied data.
  • Limited segment-level detail in the provided inputs: Although three reportable segments are described, the supplied dataset does not provide a clean, segment revenue breakdown that can be reconciled to the quarter’s total revenue.
Valuation — source: SEC EDGAR (first-party)
Price$27.05
Market Cap$1.59B
EV / EBITDA5.3
Price / Book0.73
Price / Sales0.35
FCF Yield24.9%
DCF Value (model)$31.37
DCF Upside vs Price16.0%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$4.79B
Net Margin3.0%
Revenue Growth (YoY)-10.8%
EPS Growth (YoY)-799.1%
FCF Growth (YoY)-76.7%
Valuation vs Sector & Industry
Sector P/E (Financials)15.1
Industry P/E (Insurance)13.0
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderVANGUARD GROUP INC ($238.43M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryInsurance
CEOCarl Thomas Evans Jr.
Employees7,400
CountryUS
IPO Date1990-04-23

Related Companies (Business model: Property & Casualty Insurer; 8 closest by market cap; US-domiciled)

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KMPR earnings history · KMPR institutional & insider holders · KMPR KPIs & operating metrics · KMPR financials · KMPR investor presentations & press releases · KMPR SEC filings · KMPR peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.