Kemper (KMPR)


Market Price (9/23/2026): $26.21 | Market Cap: $1.5 BilSector: Financials | Industry: Multi-line Insurance

Kemper (KMPR)


Market Price (9/23/2026): $26.21
Market Cap: $1.5 Bil
Sector: Financials
Industry: Multi-line Insurance

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Dividend Yield is 4.9%, FCF Yield is 26%

Low stock price volatility
Vol 12M is 41%

Megatrend and thematic drivers
Megatrends include Future of Insurance. Themes include Digital Claims Management, Data-Driven Underwriting, and Personalized Risk Management.

Weak multi-year price returns
2Y Excs Rtn is -92%, 3Y Excs Rtn is -113%

Weak revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -4.5%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -4.6%, Rev Chg QQuarterly Revenue Change % is -11%

Yield minus risk free rate is negative
ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -31%

Key risks
KMPR key risks include [1] its significant concentration in the California and Florida personal automobile insurance markets and [2] persistent profitability challenges, Show more.

0 Attractive yield
Dividend Yield is 4.9%, FCF Yield is 26%
1 Low stock price volatility
Vol 12M is 41%
2 Megatrend and thematic drivers
Megatrends include Future of Insurance. Themes include Digital Claims Management, Data-Driven Underwriting, and Personalized Risk Management.
3 Weak multi-year price returns
2Y Excs Rtn is -92%, 3Y Excs Rtn is -113%
4 Weak revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -4.5%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -4.6%, Rev Chg QQuarterly Revenue Change % is -11%
5 Yield minus risk free rate is negative
ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -31%
6 Key risks
KMPR key risks include [1] its significant concentration in the California and Florida personal automobile insurance markets and [2] persistent profitability challenges, Show more.

KMPR in ETFs

Weight = KMPR's share of each fund

VTI0.00%
ITOT0.00%
IWM0.05%
IJR0.09%
VYM0.01%
VB0.02%
IJS0.18%
VIOV0.18%
+11 more covered ETFs

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 9/1/2026

Kemper (KMPR) stock has gained about 5% since 5/31/2026 because of the following key factors:

1. Better-than-Expected Adjusted Earnings in Fiscal Q2 2026.

Kemper reported an Adjusted Consolidated Net Operating Income of $0.45 per share for fiscal Q2 2026, which ended June 30, 2026, significantly surpassing analysts' consensus estimates of $0.34 per share by $0.11. This beat occurred despite a reported GAAP net loss of $464.8 million driven by a $460 million non-cash goodwill impairment charge.

2. Demonstrable Sequential Improvement in Underlying Business Performance.

The company showed sequential improvement in its underlying operating performance across key segments. Personal Auto profitability improved due to active underwriting measures and expense control, while the Commercial Auto segment maintained strong underlying performance, evidenced by a 93.7% combined ratio and 9.2% year-over-year growth in policies in force. Additionally, the Life business continued to deliver stable operating earnings, increasing to $18.3 million in fiscal Q2 2026 from $12.6 million in the prior year's comparable quarter.

Show more
Updated on 9/1/2026

Kemper (KMPR) stock has gained about 5% since 5/31/2026 because of the following key factors:

1. Better-than-Expected Adjusted Earnings in Fiscal Q2 2026.

Kemper reported an Adjusted Consolidated Net Operating Income of $0.45 per share for fiscal Q2 2026, which ended June 30, 2026, significantly surpassing analysts' consensus estimates of $0.34 per share by $0.11. This beat occurred despite a reported GAAP net loss of $464.8 million driven by a $460 million non-cash goodwill impairment charge.

2. Demonstrable Sequential Improvement in Underlying Business Performance.

The company showed sequential improvement in its underlying operating performance across key segments. Personal Auto profitability improved due to active underwriting measures and expense control, while the Commercial Auto segment maintained strong underlying performance, evidenced by a 93.7% combined ratio and 9.2% year-over-year growth in policies in force. Additionally, the Life business continued to deliver stable operating earnings, increasing to $18.3 million in fiscal Q2 2026 from $12.6 million in the prior year's comparable quarter.

3. Strategic Initiatives and Cost Savings to Restore Profitability.

Management's focus on profitability restoration was highlighted by rate increases, including approvals for 6.9% for two-thirds of California auto policies effective April 2026 and 3% for the remaining one-third effective June 2026. Furthermore, Kemper identified over $80 million in cumulative annualized run-rate savings through ongoing restructuring efforts, an increase of $20 million from the prior quarter.

4. Maintenance of Quarterly Dividend Signals Confidence.

Despite the substantial net loss reported in fiscal Q2 2026, Kemper's Board of Directors declared and paid a consistent quarterly dividend of $0.32 per share on September 4, 2026. This decision, in the face of a large non-cash impairment, may have been interpreted by investors as a signal of management's confidence in the company's underlying cash flow and future financial stability.

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Stock Movement Drivers

Fundamental Drivers

The 7.5% change in KMPR stock from 5/31/2026 to 9/22/2026 was primarily driven by a 11.0% change in the company's P/S Multiple.
(LTM values as of)53120269222026Change
Stock Price ($)24.3826.207.5%
Change Contribution By: 
Total Revenues ($ Mil)4,6934,553-3.0%
P/S Multiple0.30.311.0%
Shares Outstanding (Mil)5959-0.2%
Cumulative Contribution7.5%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2026 to 9/22/2026
ReturnCorrelation
KMPR7.5% 
Market (SPY)2.5%-11.9%
Sector (XLF)6.6%43.1%

Fundamental Drivers

The -17.1% change in KMPR stock from 2/28/2026 to 9/22/2026 was primarily driven by a -12.8% change in the company's P/S Multiple.
(LTM values as of)22820269222026Change
Stock Price ($)31.6026.20-17.1%
Change Contribution By: 
Total Revenues ($ Mil)4,7834,553-4.8%
P/S Multiple0.40.3-12.8%
Shares Outstanding (Mil)5959-0.2%
Cumulative Contribution-17.1%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2026 to 9/22/2026
ReturnCorrelation
KMPR-17.1% 
Market (SPY)13.3%0.6%
Sector (XLF)7.5%44.2%

Fundamental Drivers

The -49.1% change in KMPR stock from 8/31/2025 to 9/22/2026 was primarily driven by a -50.9% change in the company's P/S Multiple.
(LTM values as of)83120259222026Change
Stock Price ($)51.4926.20-49.1%
Change Contribution By: 
Total Revenues ($ Mil)4,7704,553-4.5%
P/S Multiple0.70.3-50.9%
Shares Outstanding (Mil)64598.6%
Cumulative Contribution-49.1%

LTM = Last Twelve Months as of date shown

Market Drivers

8/31/2025 to 9/22/2026
ReturnCorrelation
KMPR-49.1% 
Market (SPY)21.2%8.7%
Sector (XLF)3.1%38.7%

Fundamental Drivers

The -39.3% change in KMPR stock from 8/31/2023 to 9/22/2026 was primarily driven by a -35.5% change in the company's P/S Multiple.
(LTM values as of)83120239222026Change
Stock Price ($)43.1726.20-39.3%
Change Contribution By: 
Total Revenues ($ Mil)5,2624,553-13.5%
P/S Multiple0.50.3-35.5%
Shares Outstanding (Mil)64598.7%
Cumulative Contribution-39.3%

LTM = Last Twelve Months as of date shown

Market Drivers

8/31/2023 to 9/22/2026
ReturnCorrelation
KMPR-39.3% 
Market (SPY)78.3%27.1%
Sector (XLF)67.1%46.0%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
KMPR Return-22%-14%2%39%-37%-32%-60%
Peers Return27%19%10%34%16%6%173%
S&P 500 Return27%-19%24%23%16%13%107%

Monthly Win Rates [3]
KMPR Win Rate33%42%50%50%33%44% 
Peers Win Rate53%60%62%67%60%44% 
S&P 500 Win Rate75%42%67%75%67%56% 

Max Drawdowns [4]
KMPR Max Drawdown-36%-34%-41%-15%-47%-42% 
Peers Max Drawdown-15%-19%-22%-12%-16%-12% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: PGR, ALL, TRV, HIG, AIG.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 9/22/2026 (YTD)

How Low Can It Go

EventKMPRS&P 500
2025 US Tariff Shock
  % Loss-15.8%-18.8%
  % Gain to Breakeven18.8%23.1%
  Time to Breakeven21 days79 days
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-18.6%-9.5%
  % Gain to Breakeven22.8%10.5%
  Time to Breakeven32 days24 days
2023 SVB Regional Banking Crisis
  % Loss-32.6%-6.7%
  % Gain to Breakeven48.3%7.1%
  Time to Breakeven296 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-29.7%-24.5%
  % Gain to Breakeven42.2%32.4%
  Time to Breakeven123 days427 days
2020 COVID-19 Crash
  % Loss-28.9%-33.7%
  % Gain to Breakeven40.6%50.9%
  Time to Breakeven114 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-20.7%-19.2%
  % Gain to Breakeven26.1%23.8%
  Time to Breakeven51 days105 days

Compare to PGR, ALL, TRV, HIG, AIG

In The Past

Kemper's stock fell -15.8% during the 2025 US Tariff Shock. Such a loss loss requires a 18.8% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventKMPRS&P 500
2023 SVB Regional Banking Crisis
  % Loss-32.6%-6.7%
  % Gain to Breakeven48.3%7.1%
  Time to Breakeven296 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-29.7%-24.5%
  % Gain to Breakeven42.2%32.4%
  Time to Breakeven123 days427 days
2020 COVID-19 Crash
  % Loss-28.9%-33.7%
  % Gain to Breakeven40.6%50.9%
  Time to Breakeven114 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-20.7%-19.2%
  % Gain to Breakeven26.1%23.8%
  Time to Breakeven51 days105 days
2015-2016 China Devaluation / Global Growth Scare
  % Loss-36.7%-12.2%
  % Gain to Breakeven58.1%13.9%
  Time to Breakeven176 days62 days
2014-2016 Oil Price Collapse
  % Loss-31.7%-6.8%
  % Gain to Breakeven46.5%7.3%
  Time to Breakeven165 days15 days
2011 US Debt Ceiling Crisis & European Contagion
  % Loss-21.8%-17.9%
  % Gain to Breakeven27.8%21.8%
  Time to Breakeven78 days123 days
2008-2009 Global Financial Crisis
  % Loss-81.5%-53.4%
  % Gain to Breakeven440.0%114.4%
  Time to Breakeven1684 days1085 days
Summer 2007 Credit Crunch
  % Loss-20.1%-8.6%
  % Gain to Breakeven25.2%9.5%
  Time to Breakeven48 days47 days

Compare to PGR, ALL, TRV, HIG, AIG

In The Past

Kemper's stock fell -15.8% during the 2025 US Tariff Shock. Such a loss loss requires a 18.8% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Kemper (KMPR)

Kemper Corporation (KMPR) is a diversified insurance holding company primarily focused on providing property and casualty (P&C) insurance across the United States. Through its Specialty and Preferred Property & Casualty Insurance segments, Kemper offers a broad range of policies for individuals, including automobile, homeowners, renters, fire, umbrella, and general liability insurance. The company also extends its P&C offerings to businesses, providing commercial automobile insurance.

Beyond property and casualty, Kemper operates a significant Life & Health Insurance segment. This division provides various life insurance products, such as permanent and term policies, along with supplemental accident and health insurance. Specific health offerings include Medicare supplement insurance, fixed hospital indemnity, home health care, specified disease, and accident-only plans. Kemper serves a wide customer base comprising individuals and businesses in rural, suburban, and urban areas, distributing its comprehensive suite of insurance products through independent agents and brokers.

AI Analysis | Feedback

Here are 1-3 brief analogies for Kemper (KMPR):

  • Imagine an insurance company that combines the auto and home coverage of Progressive with the supplemental health and life offerings of Aflac.
  • It's like a diversified insurance provider in the vein of State Farm or Allstate, but also offering specialized life and supplemental health insurance products.
  • Think of it as a comprehensive insurance company for individuals and businesses, much like a Liberty Mutual that covers property & casualty, life, and health insurance.

AI Analysis | Feedback

  • Property & Casualty Insurance: Provides automobile, homeowners, renters, fire, umbrella, general liability, and commercial automobile insurance for individuals and businesses.
  • Life Insurance: Offers permanent and term life insurance policies.
  • Supplemental Accident and Health Insurance: Includes Medicare supplement, fixed hospital indemnity, home health care, specified disease, and accident-only plans.

AI Analysis | Feedback

Major Customers of Kemper Corporation (KMPR)

Kemper Corporation primarily sells insurance products directly to individuals and, to a lesser extent, to businesses. As an insurance provider, it does not have a few major corporate customers in the traditional sense, but rather serves a broad base of policyholders. Based on the products it offers, its customers can be categorized as:

  • Individuals seeking personal property & casualty insurance: This category includes individuals purchasing automobile, homeowners, renters, fire, umbrella, and general liability insurance.
  • Individuals seeking life & health insurance: This category encompasses individuals acquiring permanent and term life insurance, supplemental accident and health insurance, Medicare supplement insurance, fixed hospital indemnity plans, home health care plans, specified disease plans, and accident-only plans, often in rural, suburban, and urban areas.
  • Businesses seeking commercial automobile insurance: This category includes businesses that require commercial automobile insurance for their operations.

AI Analysis | Feedback

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C. Thomas Evans, Jr. Interim President and Chief Executive Officer

C. Thomas Evans, Jr. was appointed Interim Chief Executive Officer of Kemper Corporation on October 14, 2025. He joined Kemper in 1992 and has served as an Executive Vice President, Secretary, and General Counsel since May 2015. Prior to joining Kemper, he was in private practice with the law firm of Winston & Strawn, where he focused on corporate and commercial litigation.

Bradley T. Camden Executive Vice President and Chief Financial Officer

Bradley T. Camden joined Kemper Corporation in 2020 and was named Executive Vice President and Chief Financial Officer in February 2024. Before this role, he served as the company's Senior Vice President, Treasurer, and Interim Chief Financial Officer. Prior to his time at Kemper, Mr. Camden spent 20 years with Northern Trust Asset Management, where he most recently led its Long Duration Fixed Income Team, managing approximately $180 billion in fixed income assets.

John M. Boschelli Executive Vice President and Chief Investment Officer

John M. Boschelli joined Kemper Corporation in 1997. He assumed his current position as Executive Vice President and Chief Investment Officer in May 2015, after serving as Vice President and Chief Investment Officer from May 2009 to May 2015. He also held the role of the Company's Treasurer from February 2002 to May 2009 and has held various other positions within Kemper since 1997.

Christopher W. Flint Executive Vice President and President, Kemper Life

Christopher W. Flint joined Kemper Corporation in 2023, bringing with him over 25 years of experience in the financial services and insurance industries. He previously held senior leadership roles at several companies, including Securities America, Lincoln Financial, Protective Life, Farmers New World Life, and USAA (Protection Solutions Life Company).

Matt A. Hunton Executive Vice President and President, Kemper Auto

Matthew A. Hunton joined Kemper Corporation in 2019 and assumed his current position as Executive Vice President and President, Kemper Auto, in November 2022. Prior to joining Kemper, he spent more than 10 years at Travelers, where he led the Select/Small Commercial business, as well as Product.

AI Analysis | Feedback

The key risks to Kemper Corporation (KMPR) primarily revolve around its core insurance operations and the broader economic and regulatory environment:

  1. Regulatory and Competitive Pressures Impacting Underwriting Profitability: Kemper faces significant challenges from state-level insurance regulations, particularly in core markets like California. Delays in approving necessary rate increases can pressure profitability, as rising claim severity (driven by factors such as distracted driving and social inflation) outpaces earned premiums. The company's recent financial performance, including a net loss in Q4 2025, has been impacted by elevated claim severity and competitive pressures, leading to strategic shifts away from less profitable markets to reduce earnings volatility.
  2. Exposure to Catastrophe Losses and Reinsurance Costs: As a property and casualty insurer, Kemper is susceptible to substantial losses from catastrophic events, including severe weather like hurricanes, hail, and floods. These events can materially and adversely affect the company's results of operations, liquidity, and financial condition. The availability and cost of catastrophe reinsurance, which Kemper uses to mitigate these risks, can fluctuate, potentially leading to the company retaining more risk if reinsurance becomes more expensive or less accessible.
  3. Investment Portfolio Risks: Kemper maintains a diversified investment portfolio that is exposed to significant financial and capital market risks. These include interest rate risk, equity price risk, and liquidity risk. Fluctuations in interest rates, volatility in equity markets, or changes in general economic conditions can negatively impact the company's net investment income and the fair value of its investment assets, thereby affecting overall financial results.

AI Analysis | Feedback

The clear emerging threat for Kemper is the rise of digitally native insurtech companies and the broader industry shift towards direct-to-consumer digital insurance platforms. These new entrants and evolving consumer preferences challenge Kemper's traditional agent-based distribution model and the operational structures of legacy insurers. Insurtechs leverage advanced technologies like artificial intelligence, big data analytics, and mobile-first interfaces to offer streamlined, personalized, and often more competitive insurance products, directly appealing to modern consumers who increasingly prefer digital interactions over traditional agent engagements.

AI Analysis | Feedback

The addressable markets for Kemper Corporation's main products and services in the U.S. are as follows:

  • Automobile Insurance: The United States motor insurance market size is projected to be USD 532.45 billion in 2026. In 2024, the total automobile sector's direct written premiums increased to USD 431.69 billion.
  • Homeowners Insurance: The United States homeowners insurance market size is estimated at USD 184.59 billion in 2026 and is projected to reach USD 236.90 billion by 2031. The market size was USD 175.1 billion in 2025.
  • Commercial Automobile Insurance: The United States commercial auto insurance marketplace recorded approximately USD 61.6 billion in direct written premiums in 2024.
  • Life Insurance: The U.S. life insurance market was valued at USD 765.38 billion in 2023 and is projected to reach USD 1,476.31 billion by 2032.
  • Medicare Supplement Health Insurance: The U.S. Medicare supplement health insurance market size was exhibited at USD 30.55 billion in 2025 and is projected to reach around USD 50.33 billion by 2035. In 2022, this market was valued at USD 26.97 billion.
  • Supplemental Accident and Health Insurance: The U.S. supplemental health market size is expected to increase from USD 40.58 billion in 2025 to USD 69.92 billion by 2035. The individual supplemental health insurance market earned USD 9.05 billion in premium at year-end 2023.

AI Analysis | Feedback

Here are 3-5 expected drivers of future revenue growth for Kemper Corporation (KMPR) over the next 2-3 years:

  1. Strategic Rate Actions and Underwriting Discipline in Auto Insurance: Kemper is focused on implementing significant rate increases, particularly in states like California, to address rising claims severity and restore profitability in its auto insurance segment. These deliberate actions are expected to improve revenue per policy and overall segment performance.
  2. Geographic Diversification and Expansion in Favorable Markets: To reduce earnings volatility and leverage more constructive market environments, Kemper plans to shift its growth emphasis toward states such as Florida and Texas. This includes the rollout and performance of new personal auto products in these markets, aiming to drive new customer and policy acquisition.
  3. Profitable Growth within the Specialty Property & Casualty Segment: The Specialty Property & Casualty segment, especially its commercial auto business, has demonstrated strong premium and policy-in-force (PIF) growth. Kemper is prioritizing profitable expansion within this segment, which is a key driver for overall revenue growth.
  4. Consistent Contribution and Targeted Growth from the Life & Health Insurance Segment: The Life & Health insurance segment has shown stable earnings and consistent policy growth, providing reliable cash flow and helping to offset volatility from other parts of the business. This stable performance contributes consistently to the company's overall revenue.

AI Analysis | Feedback

Share Repurchases

  • On August 5, 2025, Kemper's Board of Directors approved a new share repurchase authorization of up to $500 million of its common stock.
  • As of August 6, 2025, Kemper had repurchased $80 million of common stock since April 1, and the Board approved an additional $500 million authorization, bringing the total available to $550 million.
  • From October 1, 2025, to December 31, 2025, Kemper repurchased 1,655,662 shares for $135.6 million. Across the full buyback program announced on August 5, 2025, the company repurchased a total of 3,297,473 shares for $220.8 million.

Share Issuance

  • On August 5, 2025, Kemper shareholders approved an amendment to the company's stock incentive plan, increasing the total number of authorized shares by 625,000 for equity-based compensation for eligible employees, officers, and directors.
  • As of December 31, 2024, Kemper had 63,840,442 shares issued and outstanding, which decreased to 60,201,675 shares issued and outstanding at September 30, 2025.

Outbound Investments

  • Kemper completed the acquisition of American Access Casualty Company for $370 million on April 1, 2021.

Capital Expenditures

  • Capital expenditures for long-lived assets by operating segment were reported as immaterial in Kemper's financial filings for the year ended December 31, 2025.
  • Kemper invested $8.8 million in capital expenditures during the fourth quarter of 2025.
  • The company made capital contributions to consolidated insurance subsidiaries of $91.4 million in 2025, $18.0 million in 2024, and $489.1 million in 2023.

Peer Outperformance in Multi-line Insurance

KMPR has trailed 100% of its 8 Multi-line Insurance peers over 5Y. Among the peers that beat it is GNW. Multi-line Insurance ranks 8th of 18 industries in Financials by median 5Y return.
Share of Multi-line Insurance constituents that KMPR has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
0%
of 9 industry peers · -47.3% return
3Y
0%
of 9 industry peers · -35.0% return
5Y
0%
of 8 industry peers · -55.6% return
Multi-line Insurance peers with revenue growth within 4pp of KMPR's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
KMPR Kemper -4.6% -3.1x -47.3%-35.0%-55.6%
GNW Genworth Financial -0.9% 17.6x 8.1%64.9%176.5% +232pp
Price returns, excluding dividends. P/E shown for context only and not used for matching.
Median price return by industry across the Financials sector, ranked by 5Y. Multi-line Insurance is KMPR's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y med Top 3 by 5Y
Reinsurance 7 25.1%63.7%118.0% SPNT 171% · RGA 146% · RNR 139%
Diversified Banks 13 30.7%131.4%112.5% CM 152% · RY 141% · JPM 139%
Investment Banking & Brokerage 13 -1.5%107.8%109.6% IBKR 507% · SNEX 256% · GS 174%
Life & Health Insurance 20 7.5%51.6%98.0% JXN 517% · UNM 350% · FG 195%
Multi-Sector Holdings 4 4.9%46.9%78.8% JONE 362% · BRK-B 81% · VOYA 77%
Property & Casualty Insurance 42 8.4%64.8%65.7% ASIC 2701900% · HRTG 395% · UVE 312%
Regional Banks 266 24.8%91.2%61.2% ESQ 365% · BLX 356% · GCBC 312%
Multi-line Insurance ← 9 7.0%69.5%58.1% GNW 176% · L 103% · SLF 98%
Financial Exchanges & Data 15 -3.1%16.7%28.8% VIRT 173% · CBOE 130% · CME 70%
Diversified Financial Services 4 -7.4%22.5%24.8% FRHC 165% · EQH 103% · TMS -53%
Consumer Finance 30 -1.3%89.1%21.8% ENVA 409% · EZPW 306% · FCFS 166%
Insurance Brokers 16 -18.3%-10.1%14.3% LIFE 190% · ARX 88% · CRD-A 63%
Commercial & Residential Mortgage Finance 15 -44.3%26.6%12.7% FNMA 445% · FMCC 407% · ACT 174%
Asset Management & Custody Banks 87 -11.0%14.3%7.5% WT 330% · SII 291% · VCTR 263%
Specialized Finance 3 13.3%43.6%-3.2% EFC 27% · CACC -3% · HASI -17%
Mortgage REITs 33 -10.2%8.5%-21.2% NREF 59% · RITM 43% · DX 34%
Diversified Capital Markets 25 -32.4%9.5%-47.0% OPY 180% · LPLA 105% · CD 82%
Transaction & Payment Processing Services 17 -1.2%-8.2%-47.9% V 65% · MA 62% · CPAY 49%
Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

KMPRPGRALLTRVHIGAIGMedian
NameKemper Progress.Allstate Traveler.Hartford.American. 
Mkt Price26.20206.94229.50362.01128.7375.18167.83
Mkt Cap1.5120.658.876.235.239.849.3
Rev LTM4,55391,01969,34748,97928,62626,66038,802
Op Inc LTM-------
FCF LTM39715,95112,24911,0265,7583,8508,392
FCF 3Y Avg29515,1829,0169,6485,6594,5307,337
CFO LTM43416,33912,46911,0265,8803,8508,453
CFO 3Y Avg33915,4999,2329,6485,8214,5307,526

Growth & Margins

KMPRPGRALLTRVHIGAIGMedian
NameKemper Progress.Allstate Traveler.Hartford.American. 
Rev Chg LTM-4.5%10.5%5.6%2.4%6.1%-4.0%4.0%
Rev Chg 3Y Avg-4.6%17.8%8.8%8.2%7.2%11.7%8.5%
Rev Chg Q-11.3%7.3%10.8%0.3%6.6%0.3%3.5%
QoQ Delta Rev Chg LTM-3.0%1.8%2.6%0.1%1.6%0.1%0.8%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM9.5%18.0%18.0%22.5%20.5%14.4%18.0%
CFO/Rev 3Y Avg7.3%19.3%14.0%20.5%21.6%16.7%18.0%
FCF/Rev LTM8.7%17.5%17.7%22.5%20.1%14.4%17.6%
FCF/Rev 3Y Avg6.3%19.0%13.7%20.5%21.0%16.7%17.8%

Valuation

KMPRPGRALLTRVHIGAIGMedian
NameKemper Progress.Allstate Traveler.Hartford.American. 
Mkt Cap1.5120.658.876.235.239.849.3
P/S0.31.30.81.61.21.51.3
P/Op Inc-------
P/EBIT-3.28.03.47.16.79.96.9
P/E-3.110.34.49.28.113.48.6
P/CFO3.67.44.76.96.010.36.4
Total Yield-27.2%16.4%24.5%12.2%14.2%9.9%13.2%
Dividend Yield4.9%6.8%1.8%1.3%1.8%2.5%2.2%
FCF Yield 3Y Avg12.2%11.3%17.0%16.5%16.8%9.9%14.4%
D/E0.60.10.10.10.10.20.1
Net D/E0.4-0.00.0-1.2-0.5-0.7-0.3

Returns

KMPRPGRALLTRVHIGAIGMedian
NameKemper Progress.Allstate Traveler.Hartford.American. 
1M Rtn-3.1%-5.6%-9.2%-0.1%-5.0%-0.6%-4.0%
3M Rtn1.1%-4.0%-0.5%14.6%-1.5%-1.1%-0.8%
6M Rtn-13.2%0.5%11.8%24.5%-4.1%2.5%1.5%
12M Rtn-47.3%-8.6%13.3%33.1%0.3%0.7%0.5%
3Y Rtn-35.0%58.0%113.8%127.0%86.2%30.5%72.1%
1M Excs Rtn-4.2%-6.8%-10.4%-1.3%-6.2%-1.8%-5.2%
3M Excs Rtn-4.3%-9.4%-5.9%9.2%-7.0%-6.5%-6.2%
6M Excs Rtn-31.8%-17.0%-6.5%5.4%-22.1%-16.5%-16.8%
12M Excs Rtn-63.8%-25.6%-3.0%16.2%-16.4%-16.4%-16.4%
3Y Excs Rtn-112.6%-11.3%49.8%56.7%11.7%-43.1%0.2%

Comparison Analyses

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Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Specialty Property & Casualty Insurance4,1463,7723,8074,1834,076
Life Insurance583566582782765
Non-Core Operations85282558640704
Change in Fair Value of Equity and Convertible Securities-4-35-80115
Net Realized Investment Gains (Losses), Impairment Losses, and Other-2021-7  
Impairment Losses   -26-11
Net Realized Investment Gains   465
Other   205
Total4,7904,6394,9445,5245,718


Operating Income by Segment
$ Mil20152014201320062005
Property & Casualty Insurance11027   
Net Realized Investment Gains52 99  
Life Insurance24142   
Impairment Losses-27 -14  
Other-58-33-47  
Kemper Direct  40  
Kemper Preferred  88  
Kemper Specialty  12  
Life and Health Insurance  13715292
Consumer Finance   4553
Kemper Auto and Home   13279
Specialty Lines Insurance   3943
Unitrin Business Insurance   16 
Unitrin Direct   -102
Total100136314373268


Net Income by Segment
$ Mil20152014
Property & Casualty Insurance21473
Life Insurance73219
Total288291


Assets by Segment
$ Mil20252024202320222021
Specialty Property & Casualty Insurance6,9336,3536,1466,5355,936
Life Insurance4,8404,7324,8985,0086,063
Non-Core Operations3687711,0751,225 
Corporate and Other3327756245451,687
Preferred Property & Casualty Insurance    1,230
Total12,47312,63012,74313,31414,916


Price Behavior

Price Behavior
Market Price$26.20 
Market Cap ($ Bil)1.5 
First Trading Date09/18/1991 
Distance from 52W High-47.4% 
   50 Days200 Days
DMA Price$27.65$30.81
DMA Trenddownup
Distance from DMA-5.3%-15.0%
 3M1YR
Volatility42.2%41.2%
Downside Capture-19.9187.51
Upside Capture-9.26-2.77
Correlation (SPY)-15.4%8.5%
KMPR Betas & Captures as of 8/31/2026

 1M2M3M6M1Y3Y
Beta0.23-0.75-0.57-0.050.240.64
Up Beta0.08-1.87-0.34-0.140.310.61
Down Beta-3.42-0.86-1.15-0.840.040.89
Up Capture62%-19%-6%8%-7%12%
Bmk +ve Days10213268138427
Stock +ve Days14243773128404
Down Capture95%-38%-96%49%81%86%
Bmk -ve Days11213259113324
Stock -ve Days6172653120341

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with KMPR
KMPR-47.5%41.1%-1.45-
Sector ETF (XLF)2.6%14.7%-0.0538.9%
Equity (SPY)17.6%13.0%0.988.8%
Gold (GLD)18.0%29.3%0.56-4.0%
Commodities (DBC)46.6%20.7%1.75-11.8%
Real Estate (VNQ)5.2%13.6%0.1230.7%
Bitcoin (BTCUSD)-26.0%44.9%-0.5420.1%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with KMPR
KMPR-14.9%37.1%-0.35-
Sector ETF (XLF)9.8%18.4%0.3947.1%
Equity (SPY)13.3%17.2%0.5933.0%
Gold (GLD)18.9%18.8%0.811.3%
Commodities (DBC)10.8%19.6%0.436.5%
Real Estate (VNQ)1.0%18.9%-0.0538.0%
Bitcoin (BTCUSD)12.7%52.6%0.4214.0%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with KMPR
KMPR-1.3%35.1%0.06-
Sector ETF (XLF)12.8%22.1%0.5355.7%
Equity (SPY)15.4%17.9%0.7345.4%
Gold (GLD)12.2%16.4%0.61-0.6%
Commodities (DBC)8.3%18.1%0.3715.2%
Real Estate (VNQ)4.7%20.7%0.1944.6%
Bitcoin (BTCUSD)64.0%66.2%1.048.9%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date8312026
Short Interest: Shares Quantity5.4 Mil
Short Interest: % Change Since 81520262.8%
Average Daily Volume0.9 Mil
Days-to-Cover Short Interest5.7 days
Basic Shares Quantity58.9 Mil
Short % of Basic Shares9.1%

Earnings Returns History

Updated 9/8/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
8/5/20261.9%-9.4%-0.8%
5/6/2026-10.3%-9.1%-23.7%
2/4/2026-13.1%-15.7%-16.6%
11/5/2025-14.3%-13.6%-7.9%
8/5/2025-21.3%-15.0%-11.4%
5/7/20251.4%3.8%4.2%
2/5/20251.4%-3.7%-2.4%
10/30/2024-2.9%3.2%11.9%
...
SUMMARY STATS   
# Positive7713
# Negative171711
Median Positive1.9%3.5%4.2%
Median Negative-6.4%-6.4%-9.9%
Max Positive9.9%15.9%24.3%
Max Negative-21.3%-15.7%-23.7%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
8/5/20261.9%-9.4%-0.8%
5/6/2026-10.3%-9.1%-23.7%
2/4/2026-13.1%-15.7%-16.6%
11/5/2025-14.3%-13.6%-7.9%
8/5/2025-21.3%-15.0%-11.4%
5/7/20251.4%3.8%4.2%
2/5/20251.4%-3.7%-2.4%
10/30/2024-2.9%3.2%11.9%
8/5/2024-6.2%-2.4%1.5%
5/1/2024-0.2%3.3%2.8%
2/1/2024-5.3%-4.1%-3.3%
10/30/2023-5.4%-1.2%3.4%
8/7/2023-7.4%-6.4%-7.7%
5/8/2023-0.7%-3.7%0.3%
2/2/20237.8%12.8%9.0%
11/2/20227.6%15.9%24.3%
8/1/2022-8.0%-4.0%0.4%
5/2/20229.9%1.8%10.5%
1/31/2022-12.1%-12.5%-13.1%
10/28/2021-10.0%-11.6%-19.1%
7/29/2021-3.6%-7.9%3.0%
4/29/2021-6.4%-4.7%-9.9%
2/1/2021-3.9%-0.6%7.4%
11/2/20201.1%3.5%19.5%
SUMMARY STATS   
# Positive7713
# Negative171711
Median Positive1.9%3.5%4.2%
Median Negative-6.4%-6.4%-9.9%
Max Positive9.9%15.9%24.3%
Max Negative-21.3%-15.7%-23.7%

SEC Filings

Expand for More
Report DateFiling DateFiling
06/30/202608/05/202610-Q
03/31/202605/06/202610-Q
12/31/202502/11/202610-K
09/30/202511/05/202510-Q
06/30/202508/05/202510-Q
03/31/202505/07/202510-Q
12/31/202402/07/202510-K
09/30/202410/30/202410-Q
06/30/202408/05/202410-Q
03/31/202405/01/202410-Q
12/31/202302/07/202410-K
09/30/202310/30/202310-Q
06/30/202308/07/202310-Q
03/31/202305/08/202310-Q
12/31/202202/09/202310-K
09/30/202211/02/202210-Q
Collapse to Preview
Report DateFiling DateFiling
06/30/202608/05/202610-Q
03/31/202605/06/202610-Q
12/31/202502/11/202610-K
09/30/202511/05/202510-Q
06/30/202508/05/202510-Q
03/31/202505/07/202510-Q
12/31/202402/07/202510-K
09/30/202410/30/202410-Q
06/30/202408/05/202410-Q
03/31/202405/01/202410-Q
12/31/202302/07/202410-K
09/30/202310/30/202310-Q
06/30/202308/07/202310-Q
03/31/202305/08/202310-Q
12/31/202202/09/202310-K
09/30/202211/02/202210-Q
06/30/202208/01/202210-Q
03/31/202205/02/202210-Q
12/31/202102/10/202210-K
09/30/202110/28/202110-Q
06/30/202107/29/202110-Q
03/31/202104/29/202110-Q
12/31/202002/10/202110-K
09/30/202011/02/202010-Q
06/30/202008/03/202010-Q
03/31/202005/07/202010-Q
12/31/201902/14/202010-K
09/30/201911/04/201910-Q

Recent Forward Guidance

Updated 8/11/2026

Latest: Q2 2026 Earnings Reported 8/5/2026

Forward GuidanceGuidance Change
MetricSourceLowMidHigh% Chg% DeltaChangePrior
2027 Efficiency OpportunitiesReported      


Prior: Q1 2026 Earnings Reported 5/6/2026

Forward GuidanceGuidance Change
MetricSourceLowMidHigh% Chg% DeltaChangePrior
2026 Restructuring Run-rate SavingsReported 60.00 Mil    

Insider Activity

Updated 9/2/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1McAnena, Stephen JPresident and CEODirectBuy813202626.503,00079,500820,042Form
2Evans, Carl Thomas JREVP, Sec. & General CounselDirectBuy811202626.531,00026,5302,430,917Form
3Camden, Bradley TEVP and CFODirectBuy811202626.341,00026,3401,350,162Form
4Laderman, Gerald DirectBuy811202626.494,000105,960883,839Form
5Gorevic, Jason N DirectBuy811202625.915,000129,550823,990Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1McAnena, Stephen JPresident and CEODirectBuy813202626.503,00079,500820,042Form
2Evans, Carl Thomas JREVP, Sec. & General CounselDirectBuy811202626.531,00026,5302,430,917Form
3Camden, Bradley TEVP and CFODirectBuy811202626.341,00026,3401,350,162Form
4Laderman, Gerald DirectBuy811202626.494,000105,960883,839Form
5Gorevic, Jason N DirectBuy811202625.915,000129,550823,990Form
6McKinney, Suzet M DirectSell209202634.6650417,469175,380Form
7Parker, Stuart B DirectBuy1112202536.8225,000920,5001,772,957Form
Core Cache Last Updated: 9/22/2026