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Updated: Aug 17, 2026
KMPR Logo

Kemper

NYSE:KMPR·Stock Analysis Report
Day Range
$26.64 - $27.23
Market Cap
1.55B
P/E Ratio
0.0000
Avg Value
$39.38
Year Range
$24.13 - $54.64
$27.03$0.09 (0.33%)
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General Information
Kemper Corp is an insurance holding company that offers complementary insurance products through its subsidiaries, including personal and commercial automobile insurance to consumers in targeted markets and industries.

Kemper also offers life and other insurance solutions based on the needs of its clients. The company offers its insurance products through a vast network of agents and brokers, mainly under the Kemper Auto and Kemper Life brands. It has two operating segments: Specialty Property & Casualty Insurance and Life Insurance. The majority of the company's revenue is generated from the Specialty Property & Casualty Insurance segment, whose principal products are specialty personal automobile and commercial automobile insurance. Geographically, it operates only in the United States.

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Kemper (KMPR) Stock Graph
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How We Grade Kemper (KMPR)

We grade stocks based on past performance, their future growth potential, intrinsic value, dividend history, and overall financial health.

The chart below shows how we grade Kemper (KMPR) across the board compared to its closest peers.

4
Benzinga Edge Rankings

Benzinga Edge stock rankings give you four critical scores to help you identify the strongest and weakest stocks to buy and sell.

Momentum measures a stock's relative strength based on its price movement patterns and volatility over multiple timeframes, ranked as a percentile against other stocks.

Stock Score Locked: Want to See it?
Benzinga Rankings give you vital metrics on any stock – anytime.
5
Peer Ratings

See how Kemper compares to its peers in these key performance metrics from Benzinga Rankings.

Top Peers
Value
Quality
Growth
Momentum
Short
Medium
Long
SAFTSafety Insurance Group
83.07
29.32
20.99
90.21
UFCSUnited Fire Group
95.53
39.68
77.86
90.73
XZOExzeo Group
58.7
N/A
N/A
N/A
TRUPTrupanion
74.22
N/A
79.12
41.48
Short: price trend over the last couple of months
Medium: price trend over the last couple of quarters
Long: price trend over the past year
Stock Score Locked: Want to See it?
Benzinga Rankings give you vital metrics on any stock – anytime.
6
Dividend
There are few things we like to see when evaluating the quality of a company's dividend history and future

Ideally, we would like to see a company have a long history of consistently high dividend payouts that have grown at a consistent rate. From here we want to be confident that this sort of dividend growth and consistency will persist into the future.

The chart below shows the historical trend in Kemper (KMPR) dividend yield on an annual basis.

124.70%
Kemper (KMPR) saw a increase in its dividend yield since 2021
7
Past Performance
How has Kemper (KMPR) performed over the past 5 years?

The two main factors that we consider when analyzing past performance is overall return and volatility

Using these two metrics, we can determine if this stock gave its investors enough return for the risk that they took on by owning it. This is measured by the sharpe ratio, which has been used as a primary measure of risk/reward trade-off for almost 60 years.

This ratio can be interpreted as the amount of return an investor has received for the amount of risk that they took on by owning the stock over that timeframe.

Kemper (KMPR) sharpe ratio over the past 5 years is -0.9773 which is considered to be below average compared to the peer average of 0.5263

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Company Financials
INCOME STATEMENT
The income statement also known as the profit and loss statement, primarily focuses on the company's revenues and expenses during a particular period.

The main purpose of an income statement is to convey details of profitability and business activities. Below, is KMPR's income statement for the previous four years along with its trailing-twelve- month profit & loss.

FISCAL YEAR (BIL.)
2022 ($)
2023 ($)
2024 ($)
2025 ($)
TTM ($)
Total Revenue
5.50
4.91
4.63
4.78
4.55
Operating Revenue
5.50
4.91
4.63
4.78
4.55
Cost Of Revenue
Gross Profit
Operating Expense
Selling General And Administration
0.36
0.34
0.00
Research and Development
Operating Income
Net Non-Operating Interest Income Expense
-0.05
-0.06
-0.06
-0.04
-0.04
Other Income Expense
0.01
0.01
0.01
0.00
0.00
Other Non-Operating Income Expenses
Pre-Tax Income
-0.39
-0.35
0.39
0.16
-0.52
Tax Provision
-0.09
-0.07
0.08
0.03
-0.02
Net Income
-0.30
-0.27
0.32
0.14
-0.50
Net Income Common Stockholders
-0.30
-0.27
0.32
0.14
-0.50
Total Operating Income As Reported
Total Expenses
5.89
5.26
4.24
4.62
5.07
Net Income From Continuing And Discontinued Operation
-0.30
-0.27
0.32
0.14
-0.50
Normalized Income
-0.25
-0.08
0.35
0.17
-0.01
Interest Income
0.31
0.35
0.31
0.32
0.33
Interest Expense
0.05
0.06
0.06
0.04
0.04
Net Interest Income
-0.05
-0.06
-0.06
-0.04
-0.04
EBIT
-0.33
-0.29
0.45
0.20
-0.49
EBITDA
Reconciled Cost Of Revenue
Reconciled Depreciation
0.07
0.06
0.05
0.07
0.07
Normalized EBITDA
Tax Rate For Calcs
0.00
0.00
0.00
0.00
0.00
Tax Effect Of Unusual Items
-0.02
-0.05
-0.01
0.00
-0.01
BALANCE SHEET
The balance sheet is a snapshot of a companies financials during a particular period in time.

It breaks down what company owns (assets) and what a company owes (liabilities), in order to give investors an overview of its capital structure.

FISCAL YEAR (BIL.)
2022 ($)
2023 ($)
2024 ($)
2025 ($)
TTM ($)
Total Assets
13.36
12.74
12.63
12.47
11.93
Current Assets
Total Non-Current Assets
Total Liabilities Net Minority Interest
10.92
10.24
9.85
9.80
9.75
Current Liabilities
Other Non-Current Liabilities
Total Equity Gross Minority Interest
2.44
2.50
2.78
2.67
2.18
Stockholders Equity
Total Capitalization
3.38
3.89
3.73
3.62
3.14
Common Stock Equity
2.44
2.51
2.79
2.68
2.19
Net Tangible Assets
1.02
0.94
1.22
1.15
1.41
Working Capital
Invested Capital
3.83
3.89
4.18
3.62
3.14
Tangible Book Value
1.02
0.94
1.22
1.15
1.41
Total Debt
1.39
1.39
1.39
0.94
0.94
Net Debt
1.17
1.33
1.33
0.82
0.86
Share Issued
0.06
0.06
0.06
0.06
0.06
Ordinary Shares Number
0.06
0.06
0.06
0.06
0.06
CASH FLOW STATEMENTS
A companies statement of cash flows gives an investor a break down of the cash inflows and outflows from a companies operations and investment activities.
FISCAL YEAR (BIL.)
2022 ($)
2023 ($)
2024 ($)
2025 ($)
TTM ($)
Cash Flow from Continuing Operating Activities
-0.21
-0.13
0.38
0.58
0.43
Net Income from Continuing Operations
-0.30
-0.27
0.31
0.13
-0.50
Depreciation and Amortization
0.07
0.06
0.05
0.07
0.07
Deferred Tax
Deferred Income Tax
Stock-Based Compensation
Other Non-Cash Items
0.00
Change in Working Capital
-0.10
-0.05
-0.02
0.32
0.34
Change in Receivables
0.13
0.34
-0.02
0.01
0.08
Changes in Account Receivables
0.13
0.34
-0.02
0.01
0.08
Change in Inventory
Change in Payables and Accrued Expense
Change in Payable
Change in Account Payable
Change in Other Current Assets
Change in Other Current Liabilities
Change in Other Working Capital
-0.10
0.00
0.07
-0.01
-0.08
Cash Flow from Continuing Investing Activities
-0.11
0.11
-0.24
0.34
-0.08
Net PPE Purchase and Sale
Net Business Purchase and Sale
Purchase of Business
Net Investment Purchase and Sale
-0.11
0.19
-0.23
0.43
-0.03
Purchase of Investment
-2.00
-0.75
-1.61
-1.55
-1.48
Sale of Investment
1.89
0.94
1.38
1.98
1.45
Net Other Investing Changes
0.01
-0.02
0.03
0.00
0.01
Financing Cash Flow
0.38
-0.12
-0.14
-0.86
-0.45
Cash Flow from Continuing Financing Activities
0.38
-0.12
-0.14
-0.86
-0.45
Net Issuance Payments of Debt
0.26
0.00
-0.45
0.00
Net Long-Term Debt Issuance
0.26
-0.45
Long-Term Debt Issuance
0.54
0.00
Long-Term Debt Payments
-0.28
0.00
-0.45
0.00
Net Short-Term Debt Issuance
Net Common Stock Issuance
0.00
-0.30
-0.27
Common Stock Issuance
Common Stock Payments
0.00
-0.30
-0.27
Cash Dividends Paid
-0.08
-0.08
-0.08
-0.08
-0.08
Net Other Financing Charges
0.20
-0.05
-0.02
-0.03
-0.10
End Cash Position
1.11
0.31
0.36
0.53
0.41
Changes in Cash
0.06
-0.15
0.00
0.06
-0.10
Beginning Cash Position
1.05
0.46
0.36
0.47
0.50
Capital Expenditure
-0.03
-0.05
-0.05
-0.03
-0.04
Issuance of Capital Stock
Issuance of Debt
0.54
0.00
Repayment of Debt
-0.28
0.00
-0.45
0.00
Repurchase of Capital Stock
0.00
-0.30
-0.27
Free Cash Flow
-0.24
-0.19
0.33
0.55
0.40