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(KMPR)Earnings, Financials & Key Ratios
KMPR•NYSE•Insurance & Managed Care
$29.50
12.9× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustryPersonal auto and homeowners insurers
AboutKemper 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.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%
KMPR Price & Volume
Kemper Corporation (KMPR) stock price & volume — 10-year historical chart
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Kemper Faces Structural Underwriting and Capital Challenges
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Contracting
Profitability:Negative
Financial:Strained
Cash Flow:Deteriorating
Primary Risk:Underwriting margin volatility
Key Thesis Takeaways
- Kemper Corporation is currently navigating a difficult strategic transition, characterized by a 6.8% revenue contraction in 2026Q1 and persistent underwriting losses that have pushed the combined ratio to 100.7%.
- The firm's reliance on capital reserves to sustain shareholder returns, despite a decline in equity to $2.6B, suggests significant pressure on long-term solvency and operational flexibility.
- Investors should monitor whether management can stabilize loss ratios, which spiked to 100.0% in 2025Q3, before considering a more constructive outlook on the company's specialty insurance recovery.
Verdict Logic
the company's inability to maintain positive operating cash flow in 2026Q1 and the erosion of equity to $2.6B suggest that current dividend and buyback programs may be unsustainable.
KMPR Growth Metrics
Kemper Corporation (KMPR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years7.45%
5 Years-1.51%
3 Years-4.14%
TTM0.58%
Profit CAGR
10 Years5.28%
5 Years-18.96%
3 Years-
TTM-87.9%
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%
KMPR Recent Earnings
Kemper Corporation (KMPR) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
May 6, 2026Metric
Actual
Est
EPS
$0.21-74.1%
$0.81
Rev
$1.1B-5.4%
$1.2B
Q1 2026
Feb 4, 2026Metric
Actual
Est
EPS
$0.25-70.6%
$0.85
Rev
$1.1B-4.5%
$1.2B
Q4 2025
Nov 5, 2025Metric
Actual
Est
EPS
$0.33-75.2%
$1.33
Rev
$1.2B+1.6%
$1.2B
Q3 2025
Aug 5, 2025Metric
Actual
Est
EPS
$1.30-14.5%
$1.52
Rev
$1.2B-3.7%
$1.3B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 6, 2026 | $0.21vs $0.81-74.1% | $1.1Bvs $1.2B-5.4% |
| Q1 2026 | Feb 4, 2026 | $0.25vs $0.85-70.6% | $1.1Bvs $1.2B-4.5% |
| Q4 2025 | Nov 5, 2025 | $0.33vs $1.33-75.2% | $1.2Bvs $1.2B+1.6% |
| Q3 2025 | Aug 5, 2025 | $1.30vs $1.52-14.5% | $1.2Bvs $1.3B-3.7% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Kemper Corporation (KMPR)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $29.50 | $1.74B | 12.88 | 3.62% | 2.99% | 5.26% | 4.31% | |
| $180.41 | $2.34B | 7.25 | 20.21% | 32.64% | 30.81% | — | |
| $145.29 | $3.85B | 20.26 | 58.16% | 20.15% | 21.74% | — | |
| $102.85 | $35.93B | 8.85 | 14.27% | 24.73% | 20.48% | — | |
| $20.27 | $293.61M | 7.04 | 28.39% | 14.91% | 0.11% | — | |
| $234.40 | $136.97B | 12.19 | 16.32% | 12.93% | 35.45% | — |
Compare KMPR vs Peers
Kemper Corporation (KMPR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
KMPR SEC Filings & Documents
Kemper Corporation (KMPR) SEC filings — annual & quarterly reports (10-K, 10-Q)
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KMPR Frequently Asked Questions
Kemper Corporation (KMPR) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Kemper Corporation growing?
Kemper Corporation (KMPR) grew revenue by 3.6% over the past year. Growth has been modest.
Is KMPR profitable?
Yes, Kemper Corporation (KMPR) is profitable, generating $41.9M in net income for fiscal year 2025 (3.0% net margin).
Dividend & Returns
Does KMPR pay dividends?
Yes, Kemper Corporation (KMPR) pays a dividend with a yield of 4.31%. This makes it attractive for income-focused investors.
What is KMPR's return on equity?
Kemper Corporation (KMPR) has a return on equity (ROE) of 5.3%. This is below average, suggesting room for improvement.
Industry Metrics
What is Kemper Corporation's combined ratio?
Kemper Corporation (KMPR) has a combined ratio of 96.7%. A ratio below 100% indicates underwriting profitability.