8-K Announcements
6Material company update
May 7, 2026·SEC
Material company update
May 6, 2026·SEC
Material company update
May 6, 2026·SEC
Kemper Corporation 5.875% Fixed(KMPB)Earnings, Financials & Key Ratios
KMPB•NYSE•Insurance & Managed Care
$23.87
10.4× P/E·Price updated Jul 6, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustryPersonal auto and homeowners insurers
AboutKemper Corp. is a holding company, which engages in the property and casualty insurance, and life and health insurance businesses. It operates through the following segments: Specialty Property and Casualty Insurance, Preferred Property and Casualty Insurance, and Life and Health Insurance. The Specialty Property and Casualty Insurance segment provides personal and commercial automobile insurance. The Preferred Property and Casualty Insurance segment sells automobile, homeowners, and other personal insurance. The Life and Health Insurance segment offers financial security for loved ones, as well as financial protection from healthcare. The company was founded in 1990 and is headquartered in Chicago, IL.Show more
- Revenue$4.8B+3.6%
- Combined Ratio96.65%+5.5%
- Net Income$143M-54.9%
- Return on Equity5.26%-56.3%
- Medical Cost Ratio70.32%-19.4%
- Operating Margin3.35%-60.1%
- Net Margin2.99%-56.5%
- ROA1.14%-54.4%
- Equity / Assets21.4%-2.9%
KMPB Price & Volume
Kemper Corporation 5.875% Fixed (KMPB) stock price & volume — 10-year historical chart
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Kemper Faces Operational Headwinds Amid Strategic Realignment
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Contracting
Profitability:Negative
Financial:Strained
Cash Flow:Deteriorating
Primary Risk:Underwriting volatility in specialty
Key Thesis Takeaways
- Kemper is currently navigating a challenging strategic pivot away from Preferred P&C, which has resulted in a 7.0% revenue contraction as of 2026Q1 and persistent underwriting volatility.
- The company's reliance on investment portfolio liquidations to cover claims exceeding $1 billion per quarter raises concerns regarding long-term capital sustainability.
- Investors should monitor whether the firm can stabilize its combined ratio, which deteriorated to 101.2% in 2025Q4, before committing capital to this specialty-focused insurer.
Verdict Logic
the company's inability to maintain a combined ratio below 100% and the erosion of equity to $2.6 billion suggest significant operational risks that outweigh the current 5.3% dividend yield.
KMPB Growth Metrics
Kemper Corporation 5.875% Fixed (KMPB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years7.45%
5 Years-1.51%
3 Years-4.14%
TTM0.55%
Profit CAGR
10 Years5.28%
5 Years-18.96%
3 Years-
TTM-88.68%
EPS CAGR
10 Years3.33%
5 Years-17.9%
3 Years-
TTM-89.44%
Return on Capital
10 Years1.21%
5 Years-0.54%
3 Years0.56%
Last Year1.28%
KMPB Recent Earnings
Kemper Corporation 5.875% Fixed (KMPB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 1/9 qtrs (17%)●Beat Revenue 1/9 qtrs (17%)
Q2 2026Latest
May 6, 2026Metric
Actual
Est
EPS
$0.21-73.6%
$0.79
Rev
$1.1B-5.4%
$1.2B
Q2 2026
May 5, 2026Metric
Actual
Est
EPS
$0.03-103.8%
$0.79
Rev
$1.1B-5.0%
$1.2B
Q1 2026
Feb 4, 2026Metric
Actual
Est
EPS
$0.25-71.1%
$0.87
Rev
$1.1B-4.5%
$1.2B
Q4 2025
Nov 5, 2025Metric
Actual
Est
EPS
$0.34-125.5%
$1.34
Rev
$1.2B+3.3%
$1.2B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 6, 2026 | $0.21vs $0.79-73.6% | $1.1Bvs $1.2B-5.4% |
| Q2 2026 | May 5, 2026 | $0.03vs $0.79-103.8% | $1.1Bvs $1.2B-5.0% |
| Q1 2026 | Feb 4, 2026 | $0.25vs $0.87-71.1% | $1.1Bvs $1.2B-4.5% |
| Q4 2025 | Nov 5, 2025 | $0.34vs $1.34-125.5% | $1.2Bvs $1.2B+3.3% |
Based on last 9 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Kemper Corporation 5.875% Fixed (KMPB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $23.87 | $1.4B | 10.42 | 3.62% | 2.99% | 5.26% | 5.33% | |
| $28.80 | $1.7B | 12.58 | 3.62% | 0.89% | 1.53% | — | |
| $137.64 | $37.85B | 10.33 | 7.1% | 14.13% | 22.01% | — | |
| $220.19 | $7.75B | 11.90 | 6.12% | 10.79% | 20.93% | — | |
| $257.13 | $11.88B | 24.21 | 7.17% | 13.2% | 25.03% | — | |
| $189.59 | $29.52B | 12.50 | 11.41% | 21.34% | 17.98% | — |
Compare KMPB vs Peers
Kemper Corporation 5.875% Fixed (KMPB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
KMPB SEC Filings & Documents
Kemper Corporation 5.875% Fixed (KMPB) SEC filings — annual & quarterly reports (10-K, 10-Q)
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KMPB Frequently Asked Questions
Kemper Corporation 5.875% Fixed (KMPB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Kemper Corporation 5.875% Fixed growing?
Kemper Corporation 5.875% Fixed (KMPB) grew revenue by 3.6% over the past year. Growth has been modest.
Is KMPB profitable?
Yes, Kemper Corporation 5.875% Fixed (KMPB) is profitable, generating $39.2M in net income for fiscal year 2025 (3.0% net margin).
Dividend & Returns
Does KMPB pay dividends?
Yes, Kemper Corporation 5.875% Fixed (KMPB) pays a dividend with a yield of 5.33%. This makes it attractive for income-focused investors.
What is KMPB's return on equity?
Kemper Corporation 5.875% Fixed (KMPB) has a return on equity (ROE) of 5.3%. This is below average, suggesting room for improvement.
Industry Metrics
What is Kemper Corporation 5.875% Fixed's combined ratio?
Kemper Corporation 5.875% Fixed (KMPB) has a combined ratio of 96.7%. A ratio below 100% indicates underwriting profitability.