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Kemper Corp (KMPR) stock

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NYSE: KMPR NYSE Property & Casualty Insurance Next results ~November 4, 2026

C Fundamentals grade

Kemper Corp is a US-listed company in the property & casualty insurance industry. Its financial year ends in December.

Stock price today

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Third-party market data · may be delayed

Fair value per share

~$41

Valuation models combined (6)

Base case. Range ~$35–$49. Weighted average of 6 models (residual income, justified price-to-book, price-to-book vs return on equity (peers), price-to-book vs peers, forward price-to-earnings vs peers, dividend discount (two-stage)), the residual income counting double.

Price vs value

Modestly undervalued

The price is inside our value range, 14% below our base value.

Price used: $35.08, November 2, 2026

Kemper Corp valuation: adjust assumptions and compare models →

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders6 buying, 1 selling6 purchases and 1 sale by directors and officers, last 12 monthsInsider trades
  • Funds152 adding, 144 cuttingOf 48 active managers that changed their stake, 20 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter Kemper files

Where Kemper stands after its latest 10-Q

Revenue for the twelve months to June 2026 was $4.57bn, down 4.5% on a year earlier, against growth of 0.3% a quarter earlier. That puts it 28 of 29 for growth among the property & casualty insurance companies we cover. The diluted share count is down 7.7% on a year earlier, which lifts each remaining share. Our cash-flow model value is $39.40 a share, against a share price of $29.13.

Source: 10-Q filed August 5, 2026 on SEC EDGAR · Financials · Valuation

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~November 4, 2026 (estimated)

Kemper Corp's trailing-twelve-month revenue fell 4.5% year on year, with a free-cash-flow margin of 8.7%. Where it stands out: change in share count of -7.7% ranks 4 of 47 property & casualty insurance companies we cover. Where it lags: revenue growth of -4.5% ranks 43 of 48 property & casualty insurance companies we cover.

Current signal Net margin compressing: TTM net margin fell to -10.8%, down 18.0pp year over year.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Margins widening. Operating margin is up 11.8 points on a year ago.
  • Shrinking share count. Diluted shares fell 7.7% in a year, so each share owns more of the business.

Things to watch

  • Revenue shrinking. Revenue fell 4.5% over the last 12 months.
  • Growth easing. The growth rate is 4.8 points lower than a quarter earlier.
  • Below peers: net margin. Net margin of -10.8% ranks 43 of 48 property & casualty insurance companies we cover (median 10.8%).
  • Below peers: change in growth rate. Change in growth rate of -4.8pp ranks 37 of 48 property & casualty insurance companies we cover (median -0.7pp).
  • Heavily shorted. 10.1% of the shares available to trade are sold short (6.0 days of average volume to cover).
  • Missing expectations. Earnings per share fell short of the consensus estimate in 3 of the last four quarters.

Latest results: FY2026 Q2

Filed August 5, 2026
Earnings per share
$0.45 against an average estimate of $0.34: beat by 32.4%
Revenue
$1.09bn, down 10.8% on a year earlier
Share reaction
+10.9% in the first session after the results on October 28, 2026, against 0.0% for the S&P 500
Next report
November 4, 2026; average EPS estimate $0.63

Kemper's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+5.6%
  • 1 week+20.0%
  • 1 month+36.7%
  • This year-10.6%
  • 1 year-18.8%
  • 5 years-38.2%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

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Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$4.6B
Net margin
-10.8%
EPS (TTM, diluted)
$-8.30

Growth

Revenue growth
−4.5%
Change in growth rate
−4.8 pts
Share count change
−7.7%

Earnings

Last results
October 28, 2026
Next results (est.)
February 3, 2027

News & updates

Updated October 31, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Results
  2. Announcement
  3. Dividend
  4. Results
  5. Announcement
  6. Results
  7. Leadership

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Kemper Corp valuation models and calculator

Fundamentalytics rating

model v1.6 · 2026-11-03
Buy12-month view
12-month price target
~$41
Price used
$34.25close November 3, 2026
Implied change
▲ +19%
Uncertainty
Low

How we got here: the combined value of 6 valuation models built for a business like Kemper Corp (see the models table below and how they are combined) , with a 7.97% cost of equity. The models span ~$35–~$49; that spread sets a 15% margin before we rate Buy or Sell.

Produced by Fundamentalytics' automated valuation model on November 3, 2026, using delayed market prices. Rating meanings, methodology and conflicts: recommendations disclosure and research disclaimer. General research, not personal advice — it does not consider your circumstances. Prices can fall as well as rise.

Valuation models

We value Kemper Corp as an insurer, with every model that fits that kind of business. Cost of equity 8%: the 10-year Treasury yield (4.9%) plus a beta of 0.67 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$36 ~$24–$53 Primary model, counts double
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. ~$35 ~$29–$44 Included
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$49 ~$23–$74 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$49 ~$43–$83 Included
Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. ~$43 ~$38–$54 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. ~$37 ~$30–$47 Included
Combined value Weighted average of the models that apply: the primary model (residual income) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. ~$41 ~$35–$49 6 models

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Kemper Corp with property, casualty and specialty insurers in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

55 /100

Moderate moat

How hard Kemper's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 16 / 20

    Net income has been a median 1.2% of total assets over 10 years.

  • Durability 0 / 20

    Operating margin has been a median 5.8%; its worst year was -5.5%.

  • Discipline 20 / 20

    The diluted share count fell 9.8% over five years; stock-based pay has been a median 0.5% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (60 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Next results: November 4, 2026, after the close. Analysts expect revenue of $1.1bn and EPS of $0.63 (range $0.50 to $1.01) for the quarter.

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $2.12 −41% $4.4bn −9%
Next $4.23 +100% $4.3bn −2%

Next year's EPS estimate has moved −4.2% in 90 days, across 5 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is +6.3% on 90 days ago. In the last 30 days, 2 analysts raised Kemper Corp's forecast and 3 cut it.

Consensus EPS forecast Kemper Corp, last 90 days
$1.00 $2.00 $3.00 $4.00 $5.00 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $1.99 Current fiscal year, 60 days ago: $2.05 Current fiscal year, 30 days ago: $2.05 Current fiscal year, 7 days ago: $2.05 Current fiscal year, Now: $2.12 $2.12 Next fiscal year, 90 days ago: $4.41 Next fiscal year, 60 days ago: $4.23 Next fiscal year, 30 days ago: $4.23 Next fiscal year, 7 days ago: $4.23 Next fiscal year, Now: $4.23 $4.23

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $1.99$4.41
60 days ago $2.05$4.23
30 days ago $2.05$4.23
7 days ago $2.05$4.23
Now $2.12$4.23

Earnings against estimates

Quarter toEstimateActualSurprise
Jun 2026 $0.34 $0.45 +32.4%
Mar 2026 $0.80 $0.21 −73.8%
Dec 2025 $0.86 $0.25 −70.8%
Sept 2025 $1.32 $0.33 −75.0%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, October 28, 2026

No numeric guidance in Kemper Corp's latest earnings release (filed October 28, 2026). Some companies give their outlook only on the earnings call.

Analyst recommendations

6 analysts, Oct 2026
Buy233%
Hold233%
Sell233%

Monthly trend

  1. Oct 20262226
  2. Sep 20262226
  3. Aug 20262226
  4. Jul 20262226

Counts of recommendations published by analysts covering Kemper Corp, by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
10.1%
of tradable shares
Days to cover
6.01
at average volume
Short interest, 1 month
+1%
to October 15, 2026
Held by institutions
98%
of shares
Held by insiders
1.3%
of shares
Employees
7,300
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

What moved the share price

Last 12 months −18.8%

$43.18 on October 31, 2025 to $35.08

ThenNowEffect
Revenue (last 12 months) $4.8bn $4.6bn −4.5%
P/S multiple 0.6x 0.5x −21.5%
Share count 65m 60m +8.3%

Biggest factor: p/s multiple. Loss-making at one end, so the split uses price/sales.

Last 3 years −9.3%

$38.66 on November 3, 2023 to $35.08

ThenNowEffect
Revenue (last 12 months) $5.3bn $4.6bn −13.7%
P/S multiple 0.5x 0.5x −1.9%
Share count 64m 60m +7.1%

Biggest factor: revenue. Loss-making at one end, so the split uses price/sales.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Calendar year 202120222023202420252026 to date
Return
KMPR−22%−14%+2%+39%−38%−11%
Industry peers (median)+15%+1%+9%+30%+9%+10%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
KMPR33%42%50%50%33%55%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
KMPR−36%−34%−41%−15%−47%−42%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since November 3, 2015: 70% from May 3, 2019 to June 3, 2026. Getting back needed a 237% gain, and the shares have not yet recovered.

Price behaviour

52-week range
$22.63 – $41.99
From 52-week high
−16.5%
vs 50-day average
+26.1%
vs 200-day average
+20.0%
Volatility (1 year)
43%
Beta vs S&P 500
0.16

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
5 up, 7 down
typical move ±7.6%
After a week
4 up, 7 down
typical move ±7.4%
After a month
4 up, 7 down
typical move ±7.9%
Results releasedNext dayS&P 500 next day5 days21 days
October 28, 2026 +10.9% 0.0% — —
August 5, 2026 +1.4% −0.4% −9.9% −1.3%
May 6, 2026 −10.6% +1.1% −9.4% −23.9%
February 4, 2026 −12.2% −1.7% −14.8% −15.7%
November 5, 2025 −16.5% −0.7% −15.8% −9.0%
August 5, 2025 −20.5% +0.3% −14.2% −10.5%
May 7, 2025 +1.4% +1.1% +3.8% +4.3%
February 5, 2025 +5.3% +0.8% 0.0% +1.3%
October 30, 2024 −2.0% −2.3% +4.3% +13.0%
August 5, 2024 −9.1% −2.0% −5.4% −1.6%
July 24, 2024 −1.0% −2.8% +0.2% −2.8%
May 1, 2024 +0.1% +0.6% +3.6% +3.1%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Options strategies

All options ideas

How Kemper Corp’s listed options are priced, and three ways to use them that follow from our valuation. Quotes are delayed, read November 2, 2026. Check the live chain at your broker before trading.

Cash-secured put

Not offered: fundamentals grade C (needs B+ or better).

We suggest selling a put only on well-rated companies, at a strike where the price you would pay if assigned (strike less premium) is at or below our fair value.

Covered call

Not offered: no liquid call at or above our price target — the model says the upside is worth more than any listed strike.

For holders: sell a call at a strike at or above our fair value, so the shares are only sold at a price the model calls full value.

Collar

Not offered: the shares trade below our fair value: a collar caps upside the model expects.

For holders of a stock trading at or above our fair value: buy a put for a floor and sell a call to pay for it.

General research, not personal advice. Options can lose you more than you expect and are not suitable for everyone: put sellers can be made to buy shares that keep falling, call sellers give up gains above the strike, and results or news can move prices sharply. Chances shown are approximations from each option’s delta. Spreads, fees and early assignment are not modelled.

Kemper Corp in five measures

Fundamentals grade C
Growth Profitability Cash Balance sheet Value

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) Kemper Corp
$4.4B $4.6B $4.8B $5B $5.2B FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue (TTM), FY23 Q3: $5.1B Revenue (TTM), FY23 Q4: $4.9B Revenue (TTM), FY24 Q1: $4.8B Revenue (TTM), FY24 Q2: $4.7B Revenue (TTM), FY24 Q3: $4.6B Revenue (TTM), FY24 Q4: $4.6B Revenue (TTM), FY25 Q1: $4.7B Revenue (TTM), FY25 Q2: $4.8B Revenue (TTM), FY25 Q3: $4.8B Revenue (TTM), FY25 Q4: $4.8B Revenue (TTM), FY26 Q1: $4.7B Revenue (TTM), FY26 Q2: $4.6B $4.6B

Source: SEC EDGAR filings. Retrieved October 26, 2026.

View chart data
Period Revenue (TTM)
FY23 Q3 $5.1B
FY23 Q4 $4.9B
FY24 Q1 $4.8B
FY24 Q2 $4.7B
FY24 Q3 $4.6B
FY24 Q4 $4.6B
FY25 Q1 $4.7B
FY25 Q2 $4.8B
FY25 Q3 $4.8B
FY25 Q4 $4.8B
FY26 Q1 $4.7B
FY26 Q2 $4.6B
Revenue growth, TTM YoY Kemper Corp
-15% -10% -5% 0% 5% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue growth, TTM YoY, FY23 Q3: -7.6% Revenue growth, TTM YoY, FY23 Q4: -10.5% Revenue growth, TTM YoY, FY24 Q1: -12.0% Revenue growth, TTM YoY, FY24 Q2: -12.0% Revenue growth, TTM YoY, FY24 Q3: -9.6% Revenue growth, TTM YoY, FY24 Q4: -6.2% Revenue growth, TTM YoY, FY25 Q1: -2.2% Revenue growth, TTM YoY, FY25 Q2: 2.7% Revenue growth, TTM YoY, FY25 Q3: 4.4% Revenue growth, TTM YoY, FY25 Q4: 3.3% Revenue growth, TTM YoY, FY26 Q1: 0.3% Revenue growth, TTM YoY, FY26 Q2: -4.5% -4.5%

Source: SEC EDGAR filings. Retrieved October 26, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q3 -7.6%
FY23 Q4 -10.5%
FY24 Q1 -12.0%
FY24 Q2 -12.0%
FY24 Q3 -9.6%
FY24 Q4 -6.2%
FY25 Q1 -2.2%
FY25 Q2 2.7%
FY25 Q3 4.4%
FY25 Q4 3.3%
FY26 Q1 0.3%
FY26 Q2 -4.5%
Operating margin (TTM) Kemper Corp
-10% -5% 0% 5% 10% FY21 Q4 FY22 Q3 FY23 Q2 FY24 Q3 Operating margin (TTM), FY21 Q4: -5.8% Operating margin (TTM), FY22 Q1: -8.4% Operating margin (TTM), FY22 Q2: -7.0% Operating margin (TTM), FY22 Q3: -5.5% Operating margin (TTM), FY22 Q4: -3.6% Operating margin (TTM), FY23 Q1: -3.6% Operating margin (TTM), FY23 Q2: -3.2% Operating margin (TTM), FY23 Q3: -3.3% Operating margin (TTM), FY23 Q4: -1.4% Operating margin (TTM), FY24 Q1: 1.9% Operating margin (TTM), FY24 Q2: 4.8% Operating margin (TTM), FY24 Q3: 8.5% 8.5%

Source: SEC EDGAR filings. Retrieved October 26, 2026.

View chart data
Period Operating margin (TTM)
FY21 Q4 -5.8%
FY22 Q1 -8.4%
FY22 Q2 -7.0%
FY22 Q3 -5.5%
FY22 Q4 -3.6%
FY23 Q1 -3.6%
FY23 Q2 -3.2%
FY23 Q3 -3.3%
FY23 Q4 -1.4%
FY24 Q1 1.9%
FY24 Q2 4.8%
FY24 Q3 8.5%
FCF margin (TTM) Kemper Corp
-5% 0% 5% 10% 15% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 FCF margin (TTM), FY23 Q3: -3.7% FCF margin (TTM), FY23 Q4: -3.8% FCF margin (TTM), FY24 Q1: -3.2% FCF margin (TTM), FY24 Q2: -1.4% FCF margin (TTM), FY24 Q3: 2.6% FCF margin (TTM), FY24 Q4: 7.1% FCF margin (TTM), FY25 Q1: 10.1% FCF margin (TTM), FY25 Q2: 11.5% FCF margin (TTM), FY25 Q3: 11.4% FCF margin (TTM), FY25 Q4: 11.6% FCF margin (TTM), FY26 Q1: 9.8% FCF margin (TTM), FY26 Q2: 8.7% 8.7%

Source: SEC EDGAR filings. Retrieved October 26, 2026.

View chart data
Period FCF margin (TTM)
FY23 Q3 -3.7%
FY23 Q4 -3.8%
FY24 Q1 -3.2%
FY24 Q2 -1.4%
FY24 Q3 2.6%
FY24 Q4 7.1%
FY25 Q1 10.1%
FY25 Q2 11.5%
FY25 Q3 11.4%
FY25 Q4 11.6%
FY26 Q1 9.8%
FY26 Q2 8.7%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2009 Dec 2009 2010 Dec 2010 2011 Dec 2011 2012 Dec 2012 2013 Dec 2013 2014 Dec 2014 2015 Dec 2015 2016 Dec 2016 2017 Dec 2017 2018 Dec 2018 2019 Dec 2019 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025 LTM Jun 2026
Income
Revenue 2,752 2,643 2,495 2,462 2,427 2,197 2,341 2,522 2,723 3,725 5,039 5,206 5,719 5,524 4,944 4,639 4,790 4,571
EBITDA 270 215 57 79 247 152 98 17 132 302 552 583 −288 −96 −10 — — —
Operating income 254 200 46 64 229 136 85 3 119 286 519 547 −334 −167 −69 — — —
Net income 165 178 75 103 218 115 86 17 121 190 531 410 −124 −287 −272 318 143 −496
Diluted EPS $2.64 $2.87 $1.23 $1.74 $3.80 $2.12 $1.65 $0.33 $2.33 $3.22 $7.96 $6.14 −$1.92 −$4.50 −$4.25 $4.91 $2.29 −$8.30
Growth (year on year)
Revenue +0.4% −4.0% −5.6% −1.3% −1.5% −9.5% +6.6% +7.7% +8.0% +36.8% +35.3% +3.3% +9.9% −3.4% −10.5% −6.2% +3.3% −4.5%
EBITDA — −20.6% −73.5% +39.4% +211.4% −38.2% −35.7% −83.0% — +128.6% +82.8% +5.7% −149.3% — — — — —
Operating income — −21.1% −77.1% — +258.7% −40.5% −38.0% −96.3% — +140.7% +81.3% +5.4% −161.1% — — — — —
Net income — +8.0% −58.1% +38.8% +110.5% −47.4% −25.2% −80.4% — +57.2% +179.4% −22.8% −130.2% — — — −54.9% −244.3%
Diluted EPS — +8.7% −57.1% +41.5% +118.4% −44.2% −22.2% −80.0% — +38.2% +147.2% −22.9% −131.3% — — — −53.4% −256.3%
Margins
EBITDA margin 9.8% 8.1% 2.3% 3.2% 10.2% 6.9% 4.2% 0.7% 4.8% 8.1% 10.9% 11.2% −5.0% −1.7% −0.2% — — —
Operating margin 9.2% 7.6% 1.8% 2.6% 9.4% 6.2% 3.6% 0.1% 4.4% 7.7% 10.3% 10.5% −5.8% −3.0% −1.4% — — —
Net margin 6.0% 6.7% 3.0% 4.2% 9.0% 5.2% 3.7% 0.7% 4.4% 5.1% 10.5% 7.9% −2.2% −5.2% −5.5% 6.9% 3.0% −10.8%
Free-cash-flow margin — — — — — — — — 7.5% 12.7% 8.9% 7.6% 5.1% −4.4% −3.8% 7.1% 11.6% 8.7%
Cash flow
Cash from operations 164 59 −25 66 122 134 215 241 241 539 534 448 351 −210 −134 383 585 434
Capital spending — — — — — — — — 36 65 84 53 58 31 54 53 31 38
Free cash flow — — — — — — — — 205 474 450 395 293 −241 −188 330 554 397
Stock-based pay 3 4 5 6 6 6 7 5 9 19 25 25 28 18 29 29 29 24
Free cash flow after stock pay — — — — — — — — 196 455 425 370 265 −259 −217 301 525 373
Balance sheet
Cash 144 117 — — — — — — 46 75 137 206 148 212 64 65 126 81
Total debt 0 0 0 0 0 0 751 752 592 909 778 1,173 1,122 1,387 1,389 1,392 944 945
Net debt (negative = net cash) −144 −117 — — — — — — 547 834 642 967 974 1,175 1,325 1,326 818 863
Diluted shares 62m 62m 60m 59m 57m 54m 52m 51m 52m 59m 67m 67m 64m 64m 64m 65m 63m 60m
Returned to shareholders
Dividends 67 55 58 57 55 52 50 49 50 56 68 79 81 80 80 80 80 76
Buybacks 0 34 27 61 100 114 45 4 0 0 0 110 162 0 0 39 302 269
Total returned 67 89 86 118 155 166 95 53 50 56 68 189 242 80 80 119 382 346

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Dividends, buybacks and capital spending

FY2026 Q2 TTM
Buybacks (TTM)
$269M
Dividends (TTM)
$76.2M
Returned to shareholders
87%
of free cash flow
Buybacks, last 3 fiscal years
$341M
Diluted share count
−7.7%
year over year
Total shareholder yield
16.7%
dividends 3.7% + buybacks 13.0% of market value

Competitors: side by side with peers

Closest by revenue in property & casualty insurance
Last 12 months unless stated KMPR SIGI WTM MCY STC THG Median
Revenue, last 12 months $4.6bn $5.4bn $3.8bn $6.3bn $3.3bn $6.8bn $1.7bn
Revenue growth, last 12 months −4.5% 4.0% 55.4% 10.0% 22.5% 5.0% 8.0%
Revenue growth, 3-year average −4.8% 10.1% 30.3% 14.3% 10.1% 4.8% 9.5%
Revenue growth, latest quarter −10.8% −2.5% 22.5% 13.8% 24.5% 4.2% 4.2%
Gross margin — — 94.1% 99.7% — — 72.1%
Operating margin 8.5% — — — — 15.2% 9.4%
Operating margin, 3-year average −0.1% — — — — 12.6% 1.8%
Net margin −10.8% 9.4% 29.3% 14.8% 4.1% 11.0% 10.5%
Cash from operations / revenue 9.5% 22.0% 10.1% 20.9% 7.3% 18.0% 18.2%
Free-cash-flow margin 8.7% 20.9% 9.5% 19.9% 4.6% 17.8% 17.6%
Free-cash-flow margin, 3-year average 6.3% 21.2% 17.1% 16.5% 3.7% 14.7% 16.5%
Stock pay / revenue 0.5% 0.4% 0.5% 0.0% 0.6% 0.6% 0.6%
Change in share count −7.7% −1.7% −2.3% 0.0% 5.4% −1.7% −0.7%

Median of all 48 companies we cover in property & casualty insurance. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

48 property & casualty insurance companies
Measure Company Peer median Rank
Revenue growth Growth -4.5% 8.3% 43 of 48
Change in growth rate Growth -4.8pp -0.7pp 37 of 48
Net margin Profitability -10.8% 10.8% 43 of 48
Stock pay as % of revenue Cash generation 0.5% 0.7% 11 of 34
Change in share count Balance sheet -7.7% -0.7% 4 of 47

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Where the revenue comes from

Fiscal year to December 31, 2025
Segments
Line of business Revenue Share YoY
Specialty Property Casualty Insurance $4.1B 87.7% ▲ 9.9%
Life Insurance Segment1 $583M 12.3% ▲ 3.1%

From Kemper Corp's 10-K filed February 11, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.

Who owns it

Funds buying and selling
Reported value
$1.5B
Institutions reporting
288
Shares held vs prior quarter
▲ 6.0%
Positions opened / closed
59 / 47

Top buyers and sellers, Q2 2026: 152 institutions bought and 144 sold ; the biggest buyer was AQR Capital Management LLC (+2.0M shares) and the biggest seller Adage Capital Partners Gp, L.L.C (−800K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Blackrock, Inc. $227M 8.4M 14.8% ▲ 14.6%
Fuller & Thaler Asset Management, Inc. $102M 3.8M 6.6% ▲ 2.3%
Vanguard Portfolio Management LLC $97.5M 3.6M 6.3% ▲ 8.9%
AQR Capital Management LLC $89.4M 3.3M 5.8% ▲ 160.3%
State Street Corp $76.5M 2.8M 5.0% ▲ 25.7%
Vanguard Capital Management LLC $71.4M 2.6M 4.6% ▲ 0.7%
D. E. Shaw & Co., Inc. $66.2M 2.5M 4.3% ▼ 7.6%
Dimensional Fund Advisors LP $57.3M 2.1M 3.7% ▼ 10.2%
Geode Capital Management, LLC $41.1M 1.5M 2.7% ▲ 53.1%
Goldman Sachs Group Inc $31.2M 1.2M 2.0% ▲ 129.3%
New South Capital Management Inc $29.1M 1.1M 1.9% ▲ 57.0%
Northern Trust Corp $27.5M 1.0M 1.8% ▲ 39.1%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Kemper Corp's complete shareholder register. Values are as reported by the filers ; 1 inconsistently scaled filing rows were excluded.

Insider trading activity

Full insider history and chart
Insider purchases History → $1.3M 6 trades by 6 insiders, last 12 months Insider sales History → $17,469 1 trade by 1 insider · 0% under pre-set plans
Net ▲ $1.3M net buying
Insider Date Trade Shares Price Value
Mcanena Stephen J President and CEO August 13, 2026 Buy 3,000 $26.50 $79,500
Laderman Gerald Director August 11, 2026 Buy 4,000 $26.49 $105,960
Camden Bradley T EVP and CFO August 11, 2026 Buy 1,000 $26.34 $26,340
Evans Carl Thomas Jr. EVP, Sec. & General Counsel August 11, 2026 Buy 1,000 $26.53 $26,530
Gorevic Jason N Director August 10, 2026 Buy 5,000 $25.91 $129,550
Mckinney Suzet M Director February 6, 2026 Sell 504 $34.66 $17,469
Parker Stuart B. Director November 10, 2025 Buy 25,000 $36.82 $920,500

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Trades by members of Congress

All 7 trades and filings

No trades in Kemper Corp disclosed in the last 12 months; 7 earlier trades on record.

  • Greg Gianforte(MT):Sale (partial), $15,001 - $50,000, traded August 11, 2020, filed September 2, 2020
  • Greg Gianforte(MT):Sale (partial), $1,001 - $15,000, traded August 11, 2020, filed September 2, 2020
  • Greg Gianforte(MT):Sale (partial), $15,001 - $50,000, traded August 10, 2020, filed September 2, 2020

Value ranges as filed; reports can arrive up to 45 days after a trade.

Earnings dates and SEC filings

Results announcements

Next expected around February 3, 2027 estimated from the company's past filing pattern, not announced

  • October 28, 2026
  • August 5, 2026
  • May 6, 2026
  • February 4, 2026
  • November 5, 2025
  • August 5, 2025

Recent SEC filings

Data status

When each part of this page on Kemper Corp was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Kemper Corp in brief

What does Kemper Corp do?
Kemper Corp is a US-listed company in the property & casualty insurance industry. Its financial year ends in December.
What is Kemper Corp's stock ticker?
Kemper Corp trades under the ticker KMPR on NYSE. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Kemper Corp's revenue, and how fast is it growing?
Over its most recent trailing twelve months, Kemper Corp reported revenue of $4.6B, 4.5% lower than a year earlier, according to its SEC filings.
What is Kemper Corp's free cash flow?
Kemper Corp's free-cash-flow margin is 8.7% of revenue over the trailing twelve months.
Who are Kemper Corp's largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Blackrock, Inc., Fuller & Thaler Asset Management, Inc. and Vanguard Portfolio Management LLC. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
Is Kemper Corp buying back stock, and does it pay a dividend?
Kemper Corp spent $269M on share repurchases over the trailing twelve months, and its diluted share count fell 7.7% over the year.
What is Kemper Corp's market cap?
On November 2, 2026, Kemper Corp's market capitalisation was about $2.1B and net debt of $863M. Market figures come from third-party market data and may be delayed.
Does Kemper Corp pay a dividend?
Yes: Kemper Corp paid $76.2M in dividends over the trailing twelve months, a dividend yield of 3.69%.
Who are Kemper Corp's competitors?
In our Property & Casualty Insurance peer group, the companies closest to Kemper Corp are Selective Insurance Group Inc, White Mountains Insurance Group LTD, Mercury General Corp, Stewart Information Services Corp and Hanover Insurance Group, Inc. The side-by-side comparison below sets their revenue, margins and growth against Kemper Corp's.
Are insiders buying or selling Kemper Corp stock?
Over the last 12 months, Kemper Corp's directors and officers reported 6 open-market purchases and 1 sales on Form 4. The insider trading page charts every trade.
When is Kemper Corp's next earnings date?
Around November 4, 2026, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Kemper Corp announces its own schedule.