Stock AnalizKEMPER Corp KMPR
Property-Casualty Insurers · data as of November 13, 2026
KEMPER Corp (KMPR) is a financial company listed in the US with a market value of about $2.0B. In the twelve months to September 30, 2026 it had revenue of $4.4B and net income of -$422M, a net margin of -9.5%.
Its overall Stock Analiz score is 2.0 out of 5 (weak). The strongest part is shareholder returns (4/5); the weakest is track record (0/5).
Key numbers: a price to free cash flow of 6.3, 5-year revenue growth of -2% a year, a 5-year average ROIC of -28%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 197% above the current price.
Score: 2.0 / 5
Checks passed
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- Profit margin improving
- More cash than debt, or low debt to equity
- Positive free cash flow
- Debt below 3 years of free cash flow
- Pays a dividend
- Share count down over 3 years (buybacks)
Checks not passed
- P/E below 25
- P/E below the industry median
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.4B | $4.8B | $4.6B | $4.9B | $5.5B | $5.7B | $5.2B | $5.0B | $3.7B | $2.7B | $2.5B |
| Net income | -$422M | $143M | $318M | -$272M | -$287M | -$124M | $410M | $531M | $190M | $121M | $17M |
| Free cash flow | $319M | $554M | $330M | -$188M | -$241M | $293M | $395M | $450M | $474M | $205M | — |
| EPS (diluted) | $-7.13 | $2.29 | $4.91 | $-4.25 | $-4.50 | $-1.92 | $6.14 | $7.96 | $3.22 | $2.33 | $0.33 |
| Net margin | -9.5% | 3.0% | 6.9% | -5.5% | -5.2% | -2.2% | 7.9% | 10.5% | 5.1% | 4.4% | 0.7% |
| ROIC | — | — | — | -1.4% | -7.7% | -73.9% | 7.5% | 8.6% | 6.8% | 3.3% | 0.1% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 3 analysts is $37.33, 9% above the current price; targets range from $27.00 to $43.00; the consensus rating is “Hold”; expected EPS is $2.54 for the fiscal year ending December 31, 2026.
Frequently asked questions
Is KEMPER stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 197% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does KEMPER pay a dividend?
Yes. The dividend yield is about 3.75%, and it has paid dividends for 10 years in our data.
Is KEMPER a good stock to buy?
We do not give buy or sell advice. KEMPER scores 2.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.