Kemper (KMPR) Stock Price, News & Analysis

Company Overview

Kemper Corporation (NYSE:KMPR) is a diversified insurance holding company headquartered in Chicago, Illinois. Formed through the rebranding of Unitrin in 2010, Kemper has established a nationwide presence by offering a broad array of property and casualty insurance products. The company distributes its products through independent agents, brokers and direct-to-consumer channels, serving both individual policyholders and commercial clients.

The personal insurance segment provides coverage for automobiles, homeowners, renters and umbrella lines, while the commercial business focuses on liability, workers’ compensation and specialty property solutions tailored to small and mid-sized enterprises. Beyond underwriting, Kemper delivers program administration and risk management services, acting as a third-party administrator for affiliate carriers and major national insurers.

Operating in all 50 states, Kemper supports its distribution network through regional offices and dedicated service teams. In recent years, the company has expanded its digital platforms and data analytics capabilities to streamline quoting, policy administration and claims processing. These investments aim to enhance customer experience, improve operational efficiency and drive better loss outcomes through predictive modeling and faster claims resolution.

Under the leadership of President and Chief Executive Officer Joseph A. Lacher Jr., Kemper pursues growth via organic initiatives and targeted acquisitions. The management team prioritizes disciplined underwriting, prudent risk management and operational excellence. With its diverse product portfolio and comprehensive service offerings, Kemper seeks to maintain resilience and competitive positioning within the U.S. insurance market.

Key Stats

• Today's Range: $45.55 to $49.25
• 50-Day Range: $46.39 to $54.38
• 52-Week Range: $45.02 to $73.01
• Volume: 2.75 million shs
• Average Volume: 1.03 million shs
• Market Capitalization: $2.91 billion
• P/E Ratio: 8.74
• Dividend Yield: 2.76%
• Price Target: $67.25
• Consensus Rating: Hold

Kemper Stock Analysis - MarketRank™

Kemper scored higher than 97% of companies evaluated by MarketBeat, and ranked 48th out of 945 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 4.1 / 5
• Analyst Rating: Hold

Consensus Rating

Kemper has received a consensus rating of Hold. The company's average rating score is 2.29, and is based on 3 buy ratings, 3 hold ratings, and 1 sell rating.

Upside Potential

Kemper has a consensus price target of $67.25, representing about 45.0% upside from its current price of $46.39.

Amount of Analyst Coverage

Kemper has been the subject of 6 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 9.62%

Earnings Growth

Earnings for Kemper are expected to grow by 9.62% in the coming year, from $6.03 to $6.61 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Kemper is 8.74, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 233.19.

Price to Earnings Ratio vs. Sector

The P/E ratio of Kemper is 8.74, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 30.00.

Price to Book Value per Share Ratio

Kemper has a P/B Ratio of 1.07. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

5.85% of the float of Kemper has been sold short.

Short Interest Ratio / Days to Cover

Kemper has a short interest ratio ("days to cover") of 4.1.

Change versus previous month

Short interest in Kemper has recently decreased by 16.70%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Kemper pays a meaningful dividend of 2.54%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Kemper has only been increasing its dividend for 1 years.

Dividend Coverage

The dividend payout ratio of Kemper is 24.11%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Kemper will have a dividend payout ratio of 19.36% next year. This indicates that Kemper will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 1.9 / 5
• Environmental Score: -0.96

Percentage of Shares Shorted

5.85% of the float of Kemper has been sold short.

Short Interest Ratio / Days to Cover

Kemper has a short interest ratio ("days to cover") of 4.1.

Change versus previous month

Short interest in Kemper has recently decreased by 16.70%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.5 / 5
• News Sentiment: 0.55

News Sentiment

Kemper has a news sentiment score of 0.55. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.77 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 15 news articles for Kemper this week, compared to 7 articles on an average week.

MarketBeat Follows

3 people have added Kemper to their MarketBeat watchlist in the last 30 days. This is an increase of 200% compared to the previous 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Kemper insiders have bought more of their company's stock than they have sold. Specifically, they have bought $246,390.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 6.20% of the stock of Kemper is held by insiders.

Percentage Held by Institutions

86.23% of the stock of Kemper is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

KMPR Stock Analysis - Frequently Asked Questions

How have KMPR shares performed this year?

Kemper's stock was trading at $66.44 on January 1st, 2025. Since then, KMPR stock has decreased by 30.2% and is now trading at $46.3880.

How were Kemper's earnings last quarter?

Kemper Corporation (NYSE:KMPR) issued its earnings results on Tuesday, August, 5th. The insurance provider reported $1.30 EPS for the quarter, missing analysts' consensus estimates of $1.52 by $0.22. The firm's revenue for the quarter was up 8.5% on a year-over-year basis.
Read the conference call transcript.

Is Kemper doing a stock buyback?

Kemper's Board of Directors authorized a stock buyback program on Tuesday, August 5th 2025, which allows the company to repurchase $500,000,000 in shares, according to EventVestor. This means that the company could repurchase up to 12.8% of its stock through open market purchases. Stock buyback programs are often a sign that the company's management believes its shares are undervalued.

Who are Kemper's major shareholders?

Kemper's top institutional investors include CWM LLC (0.11%), Voya Investment Management LLC (0.09%), Oak Thistle LLC (0.05%) and Yousif Capital Management LLC (0.03%). Insiders that own company stock include George N Cochran, Gerald Laderman, Jason N Gorevic, Matthew A Hunton, Robert Joseph Joyce, Susan D Whiting, Alberto J Paracchini and Joseph P Lacher Jr.
View institutional ownership trends.

How do I buy shares of Kemper?

Shares of KMPR stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Kemper own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Kemper investors own include Invesco QQQ (QQQ), NVIDIA (NVDA), Broadcom (AVGO), Meta Platforms (META), Advanced Micro Devices (AMD), Adobe (ADBE) and Arista Networks (ANET).

Company Calendar

• Last Earnings: 8/05/2025
• Record date for 9/2 Dividend: 8/18/2025
• Ex-Dividend for 9/2 Dividend: 8/18/2025
• Dividend Payable: 9/02/2025
• Today: 10/15/2025
• Next Earnings (Estimated): 10/29/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: INS - MULTI LINE
• Sub-Industry: Multi-line Insurance
• Current Symbol: NYSE:KMPR
• CIK: 860748
• Web: www.kemper.com
• Phone: (312) 661-4600
• Fax: 312-494-6995
• Employees: 7,400
• Year Founded: 1990

Price Target and Rating

• Average Price Target for Kemper: $67.25
• High Price Target: $84.00
• Low Price Target: $50.00
• Potential Upside/Downside: +45.0%
• Consensus Rating: Hold
• Rating Score (0-4): 2.29
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): $5.31
• Trailing P/E Ratio: 8.74
• Forward P/E Ratio: 7.69
• P/E Growth: N/A
• Net Income: $317.80 million
• Net Margins: 7.18%
• Pretax Margin: 8.72%
• Return on Equity: 14.39%
• Return on Assets: 3.25%

Debt

• Debt-to-Equity Ratio: 0.32
• Current Ratio: 0.21
• Quick Ratio: 0.21

Sales & Book Value

• Annual Sales: $4.64 billion
• Price / Sales: 0.63
• Cash Flow: $6.26 per share
• Price / Cash Flow: 7.41
• Book Value: $43.47 per share
• Price / Book: 1.07

Miscellaneous

• Outstanding Shares: 62,740,000
• Free Float: 58,853,000
• Market Cap: $2.91 billion
• Optionable: Optionable
• Beta: 1.25