Tearsheet

Kemper (KMPR)

Market Price (4/15/2026): $32.17 | Market Cap: $1.9 Bil
Sector: Financials | Industry: Multi-line Insurance

Kemper (KMPR)

Market Price (4/15/2026): $32.17
Market Cap: $1.9 Bil
Sector: Financials
Industry: Multi-line Insurance

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

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 4.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.8%, FCF Yield is 29%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 12%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 12%

Valuation becoming less expensive
P/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is -40%

Low stock price volatility
Vol 12M is 40%

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 -75%, 3Y Excs Rtn is -108%

Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -4.1%, Rev Chg QQuarterly Revenue Change % is -4.5%

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 Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 4.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.8%, FCF Yield is 29%
1	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 12%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 12%
2	Valuation becoming less expensive P/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is -40%
3	Low stock price volatility Vol 12M is 40%
4	Megatrend and thematic drivers Megatrends include Future of Insurance. Themes include Digital Claims Management, Data-Driven Underwriting, and Personalized Risk Management.
5	Weak multi-year price returns 2Y Excs Rtn is -75%, 3Y Excs Rtn is -108%
6	Weak revenue growth Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -4.1%, Rev Chg QQuarterly Revenue Change % is -4.5%
7	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.

Valuation, Metrics & Events

	4/15/26	2025	2024	2023	2022
Share Price CYE	$32.17	$66.85	$61.92	$54.66	$56.54
Market Cap CYE ($ Bil)	1.9	4.3	4.0	3.5	3.6
Total Debt ($ Bil)	0.9	0.9	1.4	1.4	1.4
Total Cash ($ Bil)	0.1	0.1	0.1	0.1	0.3
Enterprise Value ($ Bil)	2.7	5.2	5.4	4.9	5.0
Valuation Ratios
P/S TTM	0.4	0.9	0.8	0.6	0.6
P/EBIT TTM	9.5	9.0	-39.5	-11.5	-8.2
P/E TTM	13.2	12.3	-33.0	-12.5	-10.8
P/FCF TTM	3.4	9.0	-25.6	-16.5	28.3
Sector Ratios
P/S TTM (Sector)	3.2	2.9	2.7	2.4	3.3
P/EBIT TTM (Sector)	6.7	8.1	7.4	7.3	7.0
P/E TTM (Sector)	11.5	11.2	9.8	8.3	9.9
P/FCF TTM (Sector)	8.9	8.5	7.7	6.0	7.6

	4/15/26	2025	2024
Share Price CYE	$32.17	$66.85	$61.92
Market Cap CYE ($ Bil)	1.9	4.3	4.0
Total Debt ($ Bil)	0.9	0.9	1.4
Total Cash ($ Bil)	0.1	0.1	0.1
Enterprise Value ($ Bil)	2.7	5.2	5.4
Valuation Ratios
P/S TTM	0.4	0.9	0.8
P/EBIT TTM	9.5	9.0	-39.5
P/E TTM	13.2	12.3	-33.0
P/FCF TTM	3.4	9.0	-25.6
Sector Ratios
P/S TTM (Sector)	3.2	2.9	2.7
P/EBIT TTM (Sector)	6.7	8.1	7.4
P/E TTM (Sector)	11.5	11.2	9.8
P/FCF TTM (Sector)	8.9	8.5	7.7

	KMPR	S&P 500
REVENUE GROWTH	VERY POOR
Rev LTM ($ Bil)	4.8
Rev Chg Q	-4.5%	7.5%
Rev Chg LTM	3.2%	6.8%
Rev Chg 3Y Avg	-4.1%	5.7%
PROFITABILITY	VERY POOR
Op Inc LTM ($ Bil)	�
CFO LTM ($ Bil)	0.6
Net Inc LTM ($ Bil)	0.1
CFO/Rev LTM	12.2%	20.6%
Net Inc Mgn	3.0%	12.8%
VALUATION	VERY LOW
P/S	0.4	3.3
P/CFO	3.2	15.5
P/FCF	3.4	20.1
P/E	13.2	24.3

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Metric	Value	Date	Source
Policies in Force Growth (Year-over-Year)	0.6%	9302025	Link
P&C Underlying Combined Ratio	99.6%	9302025	Link
Personal Auto Combined Ratio	102.1%	9302025	Link
Commercial Auto Combined Ratio	91.1%	9302025	Link
Book Value Per Share Growth (Year-over-Year)	4.8%	9302025	Link
Return on Equity	-3%	9302025	Link
Number of Policies	4600000	1172025	Link
Number of Agents and Brokers	24200	1172025	Link
Number of Associates	7500	1172025	Link
Net Promoter Score	-27	1172025	Link

Upcoming
5/06/2026	Earnings Release	Rev: $1.0 Bil (E) EPS: $0.81 (E)

Price Chart

Return (1M):

Why The Stock Moved

Qualitative Assessment

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Kemper (KMPR) stock has lost about 20% since 12/31/2025 because of the following key factors:

1. Significant Q4 2025 Earnings and Revenue Miss. Kemper reported an adjusted consolidated net operating income of $0.25 per share for Q4 2025, substantially missing analysts' consensus estimates of $0.85 per share. Additionally, quarterly revenue decreased by 4.7% year-over-year to $1.13 billion, falling short of the consensus estimate of $1.22 billion. This considerable earnings miss led to a 13% stock decline in the week following the report on February 4, 2026.

2. Deterioration in Specialty Property & Casualty Segment Performance, particularly impacted by California regulatory changes. The primary driver of the poor Q4 2025 results was the underperformance of Kemper's Specialty Property & Casualty segment, where adjusted net operating income significantly decreased to $2.6 million in Q4 2025 from $101.2 million in Q4 2024. This was mainly due to an elevated personal auto combined ratio of 110%, with California alone at approximately 105%. This segment was negatively affected by increased bodily injury claim severity in California and approximately $35 million in Florida statutory refunds. California's regulatory changes, including an increase in minimum financial responsibility limits, directly contributed to a 15-16 point rise in the loss ratio in late 2025.

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Stock Movement Drivers

Fundamental Drivers

The -19.8% change in KMPR stock from 12/31/2025 to 4/14/2026 was primarily driven by a -41.7% change in the company's Net Income Margin (%).

(LTM values as of)	12312025	4142026	Change
Stock Price ($)	40.14	32.17	-19.8%
Change Contribution By:
Total Revenues ($ Mil)	4,837	4,783	-1.1%
Net Income Margin (%)	5.1%	3.0%	-41.7%
P/E Multiple	9.9	13.2	33.0%
Shares Outstanding (Mil)	61	59	4.6%
Cumulative Contribution			-19.8%

LTM = Last Twelve Months as of date shown

Market Drivers

12/31/2025 to 4/14/2026

	Return	Correlation
KMPR	-19.8%
Market (SPY)	-5.4%	25.8%
Sector (XLF)	-5.5%	48.2%

Fundamental Drivers

The -36.4% change in KMPR stock from 9/30/2025 to 4/14/2026 was primarily driven by a -58.4% change in the company's Net Income Margin (%).

(LTM values as of)	9302025	4142026	Change
Stock Price ($)	50.61	32.17	-36.4%
Change Contribution By:
Total Revenues ($ Mil)	4,770	4,783	0.3%
Net Income Margin (%)	7.2%	3.0%	-58.4%
P/E Multiple	9.4	13.2	40.0%
Shares Outstanding (Mil)	64	59	8.8%
Cumulative Contribution			-36.4%

LTM = Last Twelve Months as of date shown

Market Drivers

9/30/2025 to 4/14/2026

	Return	Correlation
KMPR	-36.4%
Market (SPY)	-2.9%	17.2%
Sector (XLF)	-3.5%	35.6%

Fundamental Drivers

The -50.4% change in KMPR stock from 3/31/2025 to 4/14/2026 was primarily driven by a -56.3% change in the company's Net Income Margin (%).

(LTM values as of)	3312025	4142026	Change
Stock Price ($)	64.91	32.17	-50.4%
Change Contribution By:
Total Revenues ($ Mil)	4,632	4,783	3.2%
Net Income Margin (%)	6.9%	3.0%	-56.3%
P/E Multiple	13.0	13.2	1.2%
Shares Outstanding (Mil)	64	59	8.7%
Cumulative Contribution			-50.4%

LTM = Last Twelve Months as of date shown

Market Drivers

3/31/2025 to 4/14/2026

	Return	Correlation
KMPR	-50.4%
Market (SPY)	16.3%	33.3%
Sector (XLF)	5.0%	43.4%

Fundamental Drivers

The -36.6% change in KMPR stock from 3/31/2023 to 4/14/2026 was primarily driven by a -33.5% change in the company's P/S Multiple.

(LTM values as of)	3312023	4142026	Change
Stock Price ($)	50.70	32.17	-36.6%
Change Contribution By:
Total Revenues ($ Mil)	5,450	4,783	-12.2%
P/S Multiple	0.6	0.4	-33.5%
Shares Outstanding (Mil)	64	59	8.7%
Cumulative Contribution			-36.6%

LTM = Last Twelve Months as of date shown

Market Drivers

3/31/2023 to 4/14/2026

	Return	Correlation
KMPR	-36.6%
Market (SPY)	63.3%	31.2%
Sector (XLF)	68.2%	45.5%

Return vs. Risk

Price Returns Compared

	2021	2022	2023	2024	2025	2026	Total [1]
Returns
KMPR Return	-22%	-14%	2%	39%	-37%	-22%	-54%
Peers Return	27%	19%	10%	34%	16%	-3%	149%
S&P 500 Return	27%	-19%	24%	23%	16%	-0%	81%
Monthly Win Rates [3]
KMPR Win Rate	33%	42%	50%	50%	33%	25%
Peers Win Rate	53%	60%	62%	67%	60%	45%
S&P 500 Win Rate	75%	42%	67%	75%	67%	50%
Max Drawdowns [4]
KMPR Max Drawdown	-30%	-28%	-19%	-0%	-44%	-27%
Peers Max Drawdown	-5%	-6%	-18%	-0%	-6%	-9%
S&P 500 Max Drawdown	-1%	-25%	-1%	-2%	-15%	-7%

[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 4/14/2026 (YTD)

How Low Can It Go

Unique Key	Event	KMPR	S&P 500
2022 Inflation Shock	2022 Inflation Shock
2022 Inflation Shock% Loss	% Loss	-53.0%	-25.4%
2022 Inflation Shock% Gain to Breakeven	% Gain to Breakeven	112.7%	34.1%
2022 Inflation ShockTime to Breakeven	Time to Breakeven	Not Fully Recovered days	464 days
2020 Covid Pandemic	2020 Covid Pandemic
2020 Covid Pandemic% Loss	% Loss	-31.0%	-33.9%
2020 Covid Pandemic% Gain to Breakeven	% Gain to Breakeven	45.0%	51.3%
2020 Covid PandemicTime to Breakeven	Time to Breakeven	134 days	148 days
2018 Correction	2018 Correction
2018 Correction% Loss	% Loss	-27.4%	-19.8%
2018 Correction% Gain to Breakeven	% Gain to Breakeven	37.7%	24.7%
2018 CorrectionTime to Breakeven	Time to Breakeven	121 days	120 days
2008 Global Financial Crisis	2008 Global Financial Crisis
2008 Global Financial Crisis% Loss	% Loss	-84.4%	-56.8%
2008 Global Financial Crisis% Gain to Breakeven	% Gain to Breakeven	540.4%	131.3%
2008 Global Financial CrisisTime to Breakeven	Time to Breakeven	3,123 days	1,480 days

Compare to PGR, ALL, TRV, HIG, AIG

In The Past

Kemper's stock fell -53.0% during the 2022 Inflation Shock from a high on 4/29/2021. A -53.0% loss requires a 112.7% gain to breakeven.

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About Kemper (KMPR)

Business Description Analogies Products Customers Suppliers Management Key Risks Emerging Threats Market Size Revenue Drivers Capital Allocation

Kemper Corporation, a diversified insurance holding company, provides property and casualty, and life and health insurance in the United States. The company operates through three segments: Specialty Property & Casualty Insurance, Preferred Property & Casualty Insurance, and Life & Health Insurance. It provides automobile, homeowners, renters, fire, umbrella, general liability, and various other property and casualty insurance to individuals, as well as commercial automobile insurance to businesses. The company also offers life insurance, including permanent and term insurance, as well as supplemental accident and health insurance products; and Medicare supplement insurance, fixed hospital indemnity, home health care, specified disease, and accident-only plans to individuals in rural, suburban, and urban areas. It distributes its products through independent agents and brokers. 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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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.

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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.

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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.

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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.

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

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.
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.
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.

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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.

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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.

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

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.
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.
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.
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.

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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.

Interactive Breakdown

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Better Bets vs. Kemper (KMPR)

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Latest Trefis Analyses

	Title	Date
0	DASHBOARDS
1	Why Kemper Stock Moved: KMPR Stock Has Lost 37% Since 2024 Fiscal End, Primarily Due To Unfavorable Change In Price To Sales Multiple (P/S)	08/08/2025
2	Kemper (KMPR) Valuation Ratios Comparison	08/08/2025
3	KMPR Dip Buy Analysis	07/10/2025
4	Kemper Total Shareholder Return (TSR): 42.3% in 2024 and 9.3% 3-yr compounded annual returns (below peer average)	03/07/2025
5	null	02/28/2025
6	Kemper (KMPR) Operating Cash Flow Comparison	02/17/2025
7	Kemper (KMPR) Net Income Comparison	02/15/2025
8	Kemper vs. S&P500 Correlation	10/03/2024
9	Kemper Price Volatility	09/24/2024
10	Fundamental Metrics: ...	06/19/2024
11	ARTICLES
12	Stocks Trading At 52-Week Low	03/10/2026

	Title
0	DASHBOARDS
1	Why Kemper Stock Moved: KMPR Stock Has Lost 37% Since 2024 Fiscal End, Primarily Due To Unfavorable Change In Price To Sales Multiple (P/S)
2	Kemper (KMPR) Valuation Ratios Comparison
3	KMPR Dip Buy Analysis
4	Kemper Total Shareholder Return (TSR): 42.3% in 2024 and 9.3% 3-yr compounded annual returns (below peer average)
5	null
6	Kemper (KMPR) Operating Cash Flow Comparison
7	Kemper (KMPR) Net Income Comparison
8	Kemper vs. S&P500 Correlation
9	Kemper Price Volatility
10	Fundamental Metrics: ...
11	ARTICLES
12	Stocks Trading At 52-Week Low

Trade Ideas

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RYAN_3202026_Insider_Buying_GTE_1Mil_EBITp+DE_V2	03202026	RYAN	Ryan Specialty	Insider	Insider Buys \| Low D/EStrong Insider Buying Companies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap	-2.7%	-2.7%	-8.5%
KMPR_11302023_Insider_Buying_45D_2Buy_200K	11302023	KMPR	Kemper	Insider	Insider Buys 45DStrong Insider Buying Companies with multiple insider buys in the last 45 days	34.1%	64.8%	0.0%
KMPR_8312021_Insider_Buying_GTE_1Mil_EBITp+DE_V2	08312021	KMPR	Kemper	Insider	Insider Buys \| Low D/EStrong Insider Buying Companies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap	-22.4%	-31.3%	-36.8%

Recent Active Movers

Top Gainers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
AVNS	Avanos Medical	1.1	69.5%	119.3%
TVTX	Travere Therapeutics	3.8	37.2%	10.3%
BE	Bloom Energy	57.8	24.0%	152.1%
IONQ	IonQ	12.4	20.2%	-20.3%
CRDO	Credo Technology	29.1	18.7%	10.9%
MGTX	MeiraGTx	0.9	17.2%	42.0%
JBLU	JetBlue Airways	2.1	16.9%	23.1%
QBTS	D-Wave Quantum	6.0	15.8%	-35.1%
REPL	Replimune	0.2	14.7%	-79.9%
APLD	Applied Digital	8.7	14.0%	28.3%

Top Losers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
ALLO	Allogene Therapeutics	0.5	-25.5%	66.4%
KMX	CarMax	6.1	-15.1%	7.8%
FSLY	Fastly	3.2	-14.0%	105.8%
REPX	Riley Exploration Permian	0.7	-13.4%	34.0%
ASTS	AST SpaceMobile	25.2	-10.5%	21.9%
STAA	Staar Surgical	1.2	-9.0%	5.8%
POET	POET Technologies	0.6	-8.1%	6.0%
DOCN	DigitalOcean	6.7	-8.0%	52.6%
BKSY	BlackSky Technology	1.1	-7.9%	70.9%
WTI	W&T Offshore	0.4	-7.9%	72.4%

Top Gainers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
AVNS	Avanos Medical	1.1	79.9%	119.3%
CAR	Avis Budget	14.5	61.3%	220.7%
BE	Bloom Energy	57.8	61.2%	152.1%
RVMD	Revolution Medicines	28.6	52.7%	84.6%
CRDO	Credo Technology	29.1	49.4%	10.9%
LWLG	Lightwave Logic	1.7	48.8%	277.2%
AXTI	AXT	3.0	48.0%	311.6%
AEHR	Aehr Test Systems	2.2	48.0%	268.4%
ALAB	Astera Labs	28.9	43.4%	2.5%
OGN	Organon	2.3	42.2%	21.6%

Top Losers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
REPL	Replimune	0.2	-75.0%	-79.9%
FSLY	Fastly	3.2	-33.7%	105.8%
BETR	Better Home & Finance	0.5	-22.5%	6.7%
AKAM	Akamai Technologies	12.8	-22.0%	1.8%
TBN	Tamboran Resources	0.7	-21.8%	30.2%
VG	Venture Global	30.6	-21.8%	83.7%
SMPL	Simply Good Foods	1.1	-21.2%	-43.3%
OKTA	Okta	11.4	-19.2%	-25.9%
KOS	Kosmos Energy	1.2	-17.5%	175.5%
NET	Cloudflare	62.7	-17.4%	-9.4%

Top Gainers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
XLO	Xilio Therapeutics	0.6	1584.0%	-4.2%
CAR	Avis Budget	14.5	308.7%	220.7%
SATL	Satellogic	1.0	145.8%	290.4%
APLS	Apellis Pharmaceuticals	5.2	115.7%	62.6%
AEHR	Aehr Test Systems	2.2	108.5%	268.4%
KOD	Kodiak Sciences	2.4	94.4%	61.2%
AVNS	Avanos Medical	1.1	79.9%	119.3%
HTZ	Hertz Global	2.2	79.7%	36.0%
KODK	Eastman Kodak	1.2	77.8%	46.5%
CBIO	Crescent Biopharma	0.6	74.6%	64.6%

Top Losers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
REPL	Replimune	0.2	-72.7%	-79.9%
VRDN	Viridian Therapeutics	1.4	-47.0%	-51.2%
MAZE	Maze Therapeutics	1.3	-44.9%	-33.2%
WVE	WAVE Life Sciences	1.3	-43.2%	-56.5%
BUR	Burford Capital	1.0	-40.5%	-47.2%
TE	T1 Energy	0.8	-36.2%	-27.2%
FRMI	Fermi	3.1	-33.7%	-34.0%
ADMA	ADMA Biologics	2.5	-30.8%	-42.5%
FIG	Figma	9.5	-29.2%	-50.7%
SAIL	SailPoint	6.2	-28.0%	-45.0%

Peer Comparisons

Peers to compare with:

Financials

	KMPR	PGR	ALL	TRV	HIG	AIG	Median
Name	Kemper	Progress.	Allstate	Traveler.	Hartford.	American.
Mkt Price	32.17	196.59	214.88	299.59	138.77	77.02	167.68
Mkt Cap	1.9	115.3	56.2	65.9	38.6	41.7	48.9
Rev LTM	4,783	87,637	67,069	48,828	28,071	26,774	38,450
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	554	17,200	9,881	10,606	5,753	3,314	7,817
FCF 3Y Avg	232	14,142	7,521	9,130	5,165	4,277	6,343
CFO LTM	584	17,548	10,110	10,606	5,922	3,314	8,016
CFO 3Y Avg	278	14,437	7,756	9,130	5,350	4,277	6,553

Growth & Margins

	KMPR	PGR	ALL	TRV	HIG	AIG	Median
Name	Kemper	Progress.	Allstate	Traveler.	Hartford.	American.
Rev Chg LTM	3.2%	16.3%	5.6%	5.2%	6.4%	-1.8%	5.4%
Rev Chg 3Y Avg	-4.1%	21.0%	10.0%	9.8%	8.7%	-3.3%	9.3%
Rev Chg Q	-4.5%	12.2%	5.3%	3.5%	5.6%	-8.6%	4.4%
QoQ Delta Rev Chg LTM	-1.1%	2.9%	1.3%	0.9%	1.4%	-2.2%	1.1%
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	12.2%	20.0%	15.1%	21.7%	21.1%	12.4%	17.5%
CFO/Rev 3Y Avg	5.9%	19.1%	12.2%	20.0%	20.3%	14.6%	16.8%
FCF/Rev LTM	11.6%	19.6%	14.7%	21.7%	20.5%	12.4%	17.2%
FCF/Rev 3Y Avg	5.0%	18.7%	11.8%	20.0%	19.6%	14.6%	16.6%

Valuation

	KMPR	PGR	ALL	TRV	HIG	AIG	Median
Name	Kemper	Progress.	Allstate	Traveler.	Hartford.	American.
Mkt Cap	1.9	115.3	56.2	65.9	38.6	41.7	48.9
P/S	0.4	1.3	0.8	1.3	1.4	1.6	1.3
P/EBIT	9.5	7.9	4.1	8.0	7.8	9.7	8.0
P/E	13.2	10.2	5.5	10.5	10.1	13.5	10.3
P/CFO	3.2	6.6	5.6	6.2	6.5	12.6	6.4
Total Yield	11.8%	12.3%	20.1%	10.3%	11.5%	9.8%	11.6%
Dividend Yield	4.2%	2.5%	1.8%	0.7%	1.5%	2.3%	2.1%
FCF Yield 3Y Avg	8.3%	11.5%	15.3%	17.0%	16.6%	9.2%	13.4%
D/E	0.5	0.1	0.1	0.1	0.1	0.2	0.1
Net D/E	0.3	-0.1	0.0	-1.3	-0.5	-0.7	-0.3

Returns

	KMPR	PGR	ALL	TRV	HIG	AIG	Median
Name	Kemper	Progress.	Allstate	Traveler.	Hartford.	American.
1M Rtn	8.2%	-4.1%	4.2%	-1.0%	4.4%	0.4%	2.3%
3M Rtn	-15.1%	-4.1%	9.3%	10.9%	5.7%	7.2%	6.4%
6M Rtn	-34.9%	-13.0%	3.6%	9.5%	6.7%	-6.1%	-1.3%
12M Rtn	-43.0%	-24.8%	12.1%	21.3%	19.9%	-3.4%	4.4%
3Y Rtn	-34.0%	58.4%	105.2%	88.0%	115.9%	59.9%	74.0%
1M Excs Rtn	3.2%	-9.2%	-0.8%	-6.0%	-0.7%	-4.7%	-2.8%
3M Excs Rtn	-17.9%	-9.0%	3.6%	7.3%	3.2%	4.7%	3.4%
6M Excs Rtn	-38.1%	-19.2%	-0.8%	5.4%	2.2%	-10.5%	-5.7%
12M Excs Rtn	-75.2%	-55.6%	-17.4%	-8.1%	-9.3%	-35.5%	-26.4%
3Y Excs Rtn	-108.3%	-23.7%	30.0%	15.1%	40.6%	-8.7%	3.2%

FDIC Bank Data

Bank Capital

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Bank Deposits

null

Bank Assets

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Bank Loans

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FDA Approved Drugs Data

Expand for Morenull

Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2025	2024	2023	2022	2021	2020
Period End	12/31/2025	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
Filing Date	2/11/2026	2/11/2026	2/7/2025	2/7/2024	2/9/2023	2/10/2022	2/10/2021
Key Financials
Total Revenue	4,783	4,783	4,633	4,941	5,450	5,614	5,179
Net Income	143	143	318	-272	-287	-124	410
EPS	2.22	2.31	4.95	-4.25	-4.50	-1.92	6.24
Growth Rates
Total Revenue Growth	3.2%	3.2%	-6.2%	-9.4%	-2.9%	8.4%	3.2%
Net Income Growth	-54.9%	-54.9%	216.8%	5.1%	-131.7%	-130.2%	-22.8%
Margins
Net Income Margin	3.0%	3.0%	6.9%	-5.5%	-5.3%	-2.2%	7.9%
Cash & Debt
Total Cash	454	454	1,130	587	491	432	1,082
Total Debt	944	944	1,391	1,389	1,387	1,122	1,173
Net Debt / (Cash)	490	490	261	802	896	690	91
Cash Flows
Net Cash from Operations	584	584	383	-134	-210	351	448
Free Cash from Operations	554	554	330	-188	-241	293	395
Returns to Shareholders
Dividends	80	80	80	80	80	81	79
Share Repurchases	302	302	39	-0	-0	162	110

$ Mil \| FY: 12/31	2025Q4	2025Q3	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1
Period End	12/31/2025	9/30/2025	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023
Filing Date	2/11/2026	11/5/2025	8/5/2025	5/7/2025	2/7/2025	10/30/2024	8/5/2024	5/1/2024	2/7/2024	10/30/2023	8/7/2023	5/8/2023
Key Financials Quarterly
Total Revenue	1,129	1,236	1,228	1,190	1,183	1,169	1,138	1,142	1,206	1,190	1,254	1,291
Net Income	-8	-21	73	100	97	74	75	71	51	-146	-97	-80
EPS	-0.13	-0.34	1.13	1.56	1.52	1.15	1.17	1.11	0.80	-2.28	-1.52	-1.25
Key Financials TTM
Total Revenue TTM	4,783	4,837	4,770	4,681	4,632	4,655	4,676	4,791	4,941	5,099	5,262	5,392
Net Income TTM	143	249	343	346	318	272	52	-121	-272	-377	-305	-280
Growth Rates Quarterly
Total Revenue Growth	-4.5%	5.7%	7.8%	4.2%	-1.9%	-1.7%	-9.2%	-11.6%	-11.6%	-12.1%	-9.4%	-4.3%
Net Income Growth	-108.2%	-128.5%	-3.7%	39.8%	89.5%	150.4%	177.7%	189.0%	196.4%	-95.6%	-34.5%	7.2%
Margins Quarterly
Net Income Margin	-0.7%	-1.7%	5.9%	8.4%	8.2%	6.3%	6.6%	6.2%	4.3%	-12.3%	-7.7%	-6.2%
Cash & Debt
Total Cash	454	496	600	692	1,130	778	651	651	587	531	7,424	483
Total Debt	944	943	943	942	1,391	1,391	1,390	1,390	1,389	1,389	1,388	1,388
Net Debt / (Cash)	490	447	343	250	261	613	739	738	802	858	-6,036	904
Cash Flows Quarterly
FCF from Operations	175	140	90	180	175	142	23	43	-30	-39	-71	5
Cash Flows TTM
FCF from Operations TTM	584	585	587	520	383	178	-2	-96	-134	-145	-186	-187
Returns to Shareholders Quarterly
Dividends	19	20	21	20	20	20	20	20	20	20	20	19
Share Repurchases	51	219	28	4	14	25	-0	-0	-0	-0	-0	-0
Return on Invested Capital (ROIC) Quarterly
ROIC	-2.0%	-4.9%	14.3%	20.9%	21.1%	13.0%	13.0%	12.4%	8.9%	-26.2%	-	-14.0%
Return on Invested Capital (ROIC) TTM
ROIC TTM	6.6%	12.1%	17.2%	18.3%	17.2%	12.0%	2.2%	-5.4%	-11.9%	-16.9%	-	-12.3%

Segment Financials

Assets by Segment

$ Mil	2025	2024	2023	2022	2021
Specialty Property & Casualty Insurance	6,353	6,146	6,535	5,936	4,897
Life Insurance	4,732	4,898	5,008	6,063	6,457
Corporate and Other	775	624	545	1,687	1,277
Non-Core Operations	771	1,075	1,225
Preferred Property & Casualty Insurance				1,230	1,711
Total	12,630	12,743	13,314	14,916	14,342

Price Behavior

Price Behavior

Market Price	$32.17
Market Cap ($ Bil)	1.9
First Trading Date	09/18/1991
Distance from 52W High	-49.4%
	50 Days	200 Days
DMA Price	$31.72	$43.52
DMA Trend	down	down
Distance from DMA	1.4%	-26.1%
	3M	1YR
Volatility	40.2%	39.8%
Downside Capture	0.58	0.38
Upside Capture	50.50	-14.73
Correlation (SPY)	24.7%	19.4%

KMPR Betas & Captures as of 3/31/2026

	1M	2M	3M	6M	1Y	3Y
Beta	0.06	0.94	0.78	0.55	0.73	0.72
Up Beta	0.45	1.00	1.26	1.08	0.76	0.67
Down Beta	-1.02	0.32	0.33	0.54	1.10	0.98
Up Capture	46%	67%	33%	-18%	-4%	17%
Bmk +ve Days	7	16	27	65	139	424
Stock +ve Days	12	20	28	58	122	391
Down Capture	55%	154%	138%	103%	90%	92%
Bmk -ve Days	12	23	33	58	110	323
Stock -ve Days	10	22	35	67	128	354

[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	-43.1%	39.7%	-1.31	-
Sector ETF (XLF)	14.0%	15.4%	0.65	33.3%
Equity (SPY)	24.2%	12.9%	1.49	19.3%
Gold (GLD)	53.4%	27.6%	1.55	-5.6%
Commodities (DBC)	26.8%	16.2%	1.47	1.4%
Real Estate (VNQ)	18.7%	13.8%	1.00	25.1%
Bitcoin (BTCUSD)	-6.8%	42.9%	-0.05	16.4%

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	-14.8%	35.6%	-0.37	-
Sector ETF (XLF)	10.0%	18.7%	0.42	48.4%
Equity (SPY)	11.1%	17.0%	0.50	36.7%
Gold (GLD)	22.5%	17.8%	1.03	2.4%
Commodities (DBC)	11.7%	18.8%	0.51	12.5%
Real Estate (VNQ)	3.9%	18.8%	0.11	37.1%
Bitcoin (BTCUSD)	5.8%	56.5%	0.32	12.7%

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	3.1%	34.5%	0.18	-
Sector ETF (XLF)	13.1%	22.2%	0.54	56.9%
Equity (SPY)	14.0%	17.9%	0.67	48.0%
Gold (GLD)	14.3%	15.9%	0.75	-2.0%
Commodities (DBC)	8.8%	17.6%	0.42	19.0%
Real Estate (VNQ)	5.4%	20.7%	0.23	44.3%
Bitcoin (BTCUSD)	67.7%	66.9%	1.07	8.4%

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

Short Interest

Short Interest: As Of Date	3312026
Short Interest: Shares Quantity	3.5 Mil
Short Interest: % Change Since 3152026	14.3%
Average Daily Volume	1.6 Mil
Days-to-Cover Short Interest	2.2 days
Basic Shares Quantity	58.8 Mil
Short % of Basic Shares	6.0%

Returns Analyses

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Earnings Returns History

Expand for More

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
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%
5/7/2025	1.4%	3.8%	4.2%
2/5/2025	1.4%	-3.7%	-2.4%
10/30/2024	-2.9%	3.2%	11.9%
7/24/2024	1.9%	3.2%	0.1%
4/23/2024	3.3%	-0.3%	2.6%
...
SUMMARY STATS
# Positive	12	11	13
# Negative	12	13	11
Median Positive	2.4%	3.2%	7.4%
Median Negative	-7.3%	-9.8%	-9.9%
Max Positive	9.9%	15.9%	24.3%
Max Negative	-21.3%	-15.8%	-19.1%

	Forward Returns
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%
5/7/2025	1.4%	3.8%	4.2%
2/5/2025	1.4%	-3.7%	-2.4%
10/30/2024	-2.9%	3.2%	11.9%
7/24/2024	1.9%	3.2%	0.1%
4/23/2024	3.3%	-0.3%	2.6%
1/24/2024	7.1%	3.8%	-0.1%
10/23/2023	2.8%	3.2%	2.6%
7/27/2023	4.0%	2.9%	-5.1%
4/27/2023	-6.6%	-15.8%	-15.2%
1/26/2023	-2.3%	2.2%	10.8%
11/2/2022	7.6%	15.9%	24.3%
8/1/2022	-8.0%	-4.0%	0.4%
5/2/2022	9.9%	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%
11/2/2020	1.1%	3.5%	19.5%
8/3/2020	1.5%	4.5%	-2.8%
5/7/2020	1.9%	-9.8%	18.5%
SUMMARY STATS
# Positive	12	11	13
# Negative	12	13	11
Median Positive	2.4%	3.2%	7.4%
Median Negative	-7.3%	-9.8%	-9.9%
Max Positive	9.9%	15.9%	24.3%
Max Negative	-21.3%	-15.8%	-19.1%

SEC Filings

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Report Date	Filing Date	Filing
12/31/2025	02/11/2026	10-K
09/30/2025	11/05/2025	10-Q
06/30/2025	08/05/2025	10-Q
03/31/2025	05/07/2025	10-Q
12/31/2024	02/07/2025	10-K
09/30/2024	10/30/2024	10-Q
06/30/2024	08/05/2024	10-Q
03/31/2024	05/01/2024	10-Q
12/31/2023	02/07/2024	10-K
09/30/2023	10/30/2023	10-Q
06/30/2023	08/07/2023	10-Q
03/31/2023	05/08/2023	10-Q
12/31/2022	02/09/2023	10-K
09/30/2022	11/02/2022	10-Q
06/30/2022	08/01/2022	10-Q
03/31/2022	05/02/2022	10-Q

Recent Forward Guidance [BETA]

Latest: Q4 2025 Earnings Reported 2/4/2026

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Prior: Q3 2025 Earnings Reported 11/5/2025

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Insider Activity

Expand for More

#	Owner	Title	Holding	Action	Filing Date	Price	Shares	Transacted Value	Value of Held Shares	Form
1	Parker, Stuart B		Direct	Buy	11122025	36.82	25,000	920,500	1,772,957	Form
2	Laderman, Gerald		Direct	Buy	8072025	49.37	3,000	148,110	1,216,230	Form
3	Canida, Teresa Alvarez		Direct	Buy	8072025	48.96	2,000	97,920	1,396,388	Form
4	Flint, Christopher Wade	EVP, President, Kemper Life	Direct	Buy	8072025	50.12	1,000	50,115	511,023	Form
5	Gorevic, Jason N		Direct	Buy	8072025	49.14	2,000	98,280	1,084,618	Form

KMPR Trade Sentinel

Stock Conviction

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CONVICTION RATIONALE

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STOCK ARCHETYPE

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INVESTMENT THESIS

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Mechanism: null

Supporting Evidence:

PRIMARY RISK

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Mechanism: null

Supporting Evidence:

Key KPI Watchlist

KPI	Threshold	Rationale

Core Investment Debate

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Next 6 months: Risks and Catalysts

Timeline	Event & Metric To Watch

Key Events in Last 6 Months

Date	Event	Stock Impact

Risk Management

Position Sizing

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Diversification Alternatives

How Is The Market Pricing KMPR?

What will confirm the thesis

What will damage the thesis

Noise: Real but irrelevant to thesis

Repricing Catalyst

What KMPR Makes & Who Pays

TTM figures based on

KMPR Evolution: Price Return by Era

① Structure

② Volume / Momentum

③ Catalyst

Combined Score

0 / 12

1 Price Structure & Trend · ▾

2 Momentum ▾

3 Relative Strength vs. SPY ▾

4 Institutional Footprint & Volume ▾

5 Volatility ▾

6 Key Price Levels Range · Vol ▾

7 Earnings Reaction History ▾

8 How the Verdict Is Derived Three Pillars ▾

Pillar	Score
① Structure	0
② Vol / Mom	0
③ Catalyst	0

ℹ Bull Pillars: 0 · Bear Pillars: 0 · Combined Score: 0 →

Industry Resources

Financials Resources

Federal Reserve Economic Data

Multi-line Insurance Resources

Insurance Business America

A.M. Best

National Underwriter

Insurance News

External Quote Links

0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

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Kemper (KMPR)

Market Price (4/15/2026): $32.17 | Market Cap: $1.9 BilSector: Financials | Industry: Multi-line Insurance

Kemper (KMPR)

Market Price (4/15/2026): $32.17Market Cap: $1.9 BilSector: FinancialsIndustry: Multi-line Insurance

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

Valuation, Metrics & Events

Price Chart

Why The Stock Moved

Qualitative Assessment

Stock Movement Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Return vs. Risk

Price Returns Compared

How Low Can It Go

In The Past

Preserve Wealth

Asset Allocation

About Kemper (KMPR)

Major Customers of Kemper Corporation (KMPR)

Interactive Breakdown

Better Bets vs. Kemper (KMPR)

Latest Trefis Analyses

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Top Gainers

Top Losers

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Bank Capital

Bank Deposits

Bank Assets

Bank Loans

FDA Approved Drugs Data

Financials

Segment Financials

Price Behavior

Based On 1-Year Data

Based On 5-Year Data

Based On 10-Year Data

Short Interest

Returns Analyses

Earnings Returns History

SEC Filings

Recent Forward Guidance [BETA]

Insider Activity

KMPR Trade Sentinel

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CONVICTION RATIONALE

STOCK ARCHETYPE

INVESTMENT THESIS

PRIMARY RISK

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Position Sizing

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Diversification Alternatives

Repricing Catalyst

Industry Resources

Market Price (4/15/2026): $32.17 | Market Cap: $1.9 Bil
Sector: Financials | Industry: Multi-line Insurance

Market Price (4/15/2026): $32.17
Market Cap: $1.9 Bil
Sector: Financials
Industry: Multi-line Insurance