KMPR
ACHAT TOTAL: 9 000 titres (~235 510,00 $ US)
- Insiders
- LADERMAN GERALD, Gorevic Jason N
- Total bought
- $235,510
- Total sold
- —
- Last activity
- 2026-08-11
- Last synced
-
2026-08-21 23:36:53
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Bearish signal Scored 2026-09-07
KMPR presents a deeply concerning financial profile with near-zero liquidity ratios and a massive $460M goodwill impairment driving a $464.8M net loss in Q2 2026, far outweighing the modest positive signal from a $235K…
The first sentence of the analysis written for KMPR on 2026-09-07 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 29.7% | 12.7% | 22.8% | -3.9% | 6.3% | |
| Ebit Margin | 4.1% | 9.6% | -5.9% | -5.8% | -3.7% | |
| Ebitda Margin | 5.7% | 10.8% | -4.7% | -4.5% | -1.9% | |
| Operating Profit Margin | 3.3% | 8.4% | -7.0% | -6.8% | -4.4% | |
| Pretax Profit Margin | 3.3% | 8.4% | -7.0% | -6.8% | -4.4% | |
| Continuous Operations Profit Margin | 2.8% | 6.7% | -5.5% | -5.3% | -2.2% | |
| Net Profit Margin | 3.0% | 6.9% | -5.5% | -5.3% | -2.2% | |
| Bottom Line Profit Margin | 3.0% | 6.9% | -5.5% | -5.3% | -2.2% | |
| Current Ratio | 0.000 | 0.000 | 0.387 | 4.129 | 0.333 | |
| Quick Ratio | 0.000 | 0.000 | 0.387 | 4.129 | 0.333 | |
| Solvency Ratio | 0.022 | 0.038 | -0.021 | -0.020 | -0.002 | |
| Cash Ratio | 0.000 | 0.000 | 0.014 | 1.267 | 0.022 | |
| Price To Earnings Ratio | 17.550 | 13.422 | -11.452 | -10.958 | -31.271 | |
| Price To Earnings Growth Ratio | -0.329 | -0.062 | 2.142 | -0.079 | 0.240 | |
| Forward Price To Earnings Growth Ratio | -0.329 | -0.062 | 2.142 | -0.079 | 0.240 | |
| Price To Earnings Diluted Ratio | 17.703 | 13.532 | -11.452 | -10.958 | -31.271 | |
| Price To Earnings Diluted Growth Ratio | -0.332 | -0.063 | 2.142 | -0.079 | 0.239 | |
| Price To Book Ratio | 0.938 | 1.529 | 1.244 | 1.285 | 0.943 | |
| Price To Sales Ratio | 0.524 | 0.920 | 0.630 | 0.576 | 0.673 | |
| Price To Free Cash Flow Ratio | 4.539 | 12.933 | -16.479 | -13.025 | 12.899 | |
| Price To Operating Cash Flow Ratio | 4.301 | 11.136 | -23.031 | -14.932 | 10.773 | |
| Debt To Assets Ratio | 0.081 | 0.113 | 0.109 | 0.104 | 0.075 | |
| Debt To Equity Ratio | 0.375 | 0.511 | 0.555 | 0.568 | 0.280 | |
| Debt To Capital Ratio | 0.273 | 0.338 | 0.357 | 0.362 | 0.219 | |
| Long Term Debt To Capital Ratio | 0.260 | 0.252 | 0.357 | 0.362 | 0.144 | |
| Financial Leverage Ratio | 4.652 | 4.530 | 5.087 | 5.470 | 3.722 | |
| Working Capital Turnover Ratio | 8.799 | -3.222 | -4.206 | -2.767 | -2.516 | |
| Operating Cash Flow Ratio | 0.000 | 0.000 | -0.029 | -1.255 | 0.052 | |
| Operating Cash Flow Sales Ratio | 0.122 | 0.083 | -0.027 | -0.039 | 0.062 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.948 | 0.861 | 1.398 | 1.146 | 0.835 | |
| Debt Service Coverage Ratio | 4.414 | 0.835 | -2.809 | -0.319 | 0.040 | |
| Interest Coverage Ratio | 4.174 | 6.828 | -6.187 | -6.782 | -5.720 | |
| Short Term Operating Cash Flow Coverage Ratio | 34.181 | 0.852 | 0.000 | -0.468 | 0.781 | |
| Operating Cash Flow Coverage Ratio | 0.582 | 0.269 | -0.097 | -0.152 | 0.313 | |
| Capital Expenditure Coverage Ratio | 19.101 | 7.197 | -2.515 | -6.828 | 6.067 | |
| Dividend Paid And Capex Coverage Ratio | 5.304 | 2.872 | -1.010 | -1.903 | 2.534 | |
| Dividend Payout Ratio | 0.555 | 0.252 | -0.294 | -0.278 | -0.652 | |
| Enterprise Value Multiple | 12.405 | 11.267 | -19.110 | -17.582 | -44.871 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 29.7% | ▲17.0% | ▲16.2% |
| Ebit Margin | 4.2% | ▼-5.5% | ▲4.5% |
| Ebitda Margin | 5.7% | ▼-5.1% | ▲4.6% |
| Operating Profit Margin | 3.4% | ▼-5.0% | ▲4.7% |
| Pretax Profit Margin | 3.4% | ▼-5.0% | ▲4.7% |
| Continuous Operations Profit Margin | 2.8% | ▼-4.0% | ▲3.5% |
| Net Profit Margin | 3.0% | ▼-3.9% | ▲3.6% |
| Bottom Line Profit Margin | 3.0% | ▼-3.9% | ▲3.6% |
| Current Ratio | 0.000 | 0.000 | ▼-0.970 |
| Quick Ratio | 0.000 | 0.000 | ▼-0.970 |
| Solvency Ratio | 0.022 | ▼-0.015 | ▲0.019 |
| Cash Ratio | 0.000 | 0.000 | ▼-0.261 |
| Price To Earnings Ratio | 17.550 | ▲4.128 | ▲22.091 |
| Price To Earnings Growth Ratio | -0.329 | ▼-0.267 | ▼-0.712 |
| Forward Price To Earnings Growth Ratio | -0.329 | ▼-0.267 | ▼-0.712 |
| Price To Earnings Diluted Ratio | 17.703 | ▲4.171 | ▲22.192 |
| Price To Earnings Diluted Growth Ratio | -0.332 | ▼-0.269 | ▼-0.713 |
| Price To Book Ratio | 0.938 | ▼-0.592 | ▼-0.250 |
| Price To Sales Ratio | 0.524 | ▼-0.397 | ▼-0.141 |
| Price To Free Cash Flow Ratio | 4.539 | ▼-8.395 | ▲4.365 |
| Price To Operating Cash Flow Ratio | 4.301 | ▼-6.835 | ▲6.652 |
| Debt To Assets Ratio | 0.081 | ▼-0.032 | ▼-0.016 |
| Debt To Equity Ratio | 0.375 | ▼-0.136 | ▼-0.083 |
| Debt To Capital Ratio | 0.273 | ▼-0.066 | ▼-0.037 |
| Long Term Debt To Capital Ratio | 0.260 | ▲0.008 | ▼-0.015 |
| Financial Leverage Ratio | 4.652 | ▲0.122 | ▼-0.040 |
| Working Capital Turnover Ratio | 8.799 | ▲12.020 | ▲9.581 |
| Operating Cash Flow Ratio | 0.000 | 0.000 | ▲0.246 |
| Operating Cash Flow Sales Ratio | 0.122 | ▲0.039 | ▲0.082 |
| Free Cash Flow Operating Cash Flow Ratio | 0.948 | ▲0.087 | ▼-0.090 |
| Debt Service Coverage Ratio | 4.414 | ▲3.578 | ▲3.982 |
| Interest Coverage Ratio | 4.174 | ▼-2.654 | ▲5.712 |
| Short Term Operating Cash Flow Coverage Ratio | 34.181 | ▲33.330 | ▲27.112 |
| Operating Cash Flow Coverage Ratio | 0.582 | ▲0.313 | ▲0.399 |
| Capital Expenditure Coverage Ratio | 19.101 | ▲11.904 | ▲14.497 |
| Dividend Paid And Capex Coverage Ratio | 5.304 | ▲2.432 | ▲3.745 |
| Dividend Payout Ratio | 0.555 | ▲0.303 | ▲0.639 |
| Enterprise Value Multiple | 12.405 | ▲1.138 | ▲23.983 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $2.51B | $4.26B | $3.12B | $3.14B | $3.78B | |
| Enterprise value | $3.39B | $5.62B | $4.44B | $4.31B | $4.75B | |
| EV / Sales | 0.71x | 1.21x | 0.90x | 0.79x | 0.85x | |
| EV / Op. cash flow | 5.80x | 14.69x | -32.83x | -20.52x | 13.55x | |
| EV / Free cash flow | 6.12x | 17.06x | -23.49x | -17.90x | 16.22x | |
| EV / EBITDA | 12.40x | 11.27x | -19.11x | -17.58x | -44.87x | |
| Net debt / EBITDA | 3.21x | 2.72x | -5.70x | -4.79x | -9.20x | |
| Current ratio | 0.00x | 0.00x | 0.39x | 4.13x | 0.33x | |
| Income quality | 4.08x | 1.23x | 0.50x | 0.70x | -2.91x | |
| Graham number | $47 | $70 | — | — | — | |
| Graham net-net | -$139 | -$121 | -$136 | -$35 | -$142 | |
| Tax burden | 89.2% | 81.8% | 78.4% | 77.3% | 49.6% | |
| Interest burden | 80.7% | 87.2% | 119.3% | 117.3% | 121.2% | |
| Working capital | $1.09B | $0 | -$2.88B | $524.4M | -$4.46B | |
| Invested capital | $3.00B | $1.57B | -$715.2M | $2.78B | -$2.18B | |
| Return on assets | 1.1% | 2.5% | -2.1% | -2.1% | -0.8% | |
| Operating ROA | 1.3% | 3.1% | -2.7% | -2.6% | -1.7% | |
| Return on tangible assets | 1.4% | 2.9% | -2.6% | -2.6% | -1.0% | |
| Return on equity | 5.3% | 11.4% | -10.9% | -11.7% | -3.1% | |
| Return on invested capital | 1.1% | 69.5% | -3.4% | -11.6% | -1.4% | |
| Return on capital employed | 1.3% | 3.1% | -4.3% | -2.8% | -3.0% | |
| Earnings yield | 5.7% | 7.5% | -8.7% | -9.1% | -3.3% | |
| Free cash flow yield | 22.0% | 7.7% | -6.1% | -7.7% | 7.8% | |
| Capex / Op. cash flow | 5.2% | 13.9% | -39.8% | -14.6% | 16.5% | |
| Capex / Depreciation | 41.2% | 99.1% | 0.0% | 43.4% | 57.9% | |
| Capex / Sales | 0.6% | 1.1% | 1.1% | 0.6% | 1.0% | |
| SG&A / Sales | 24.2% | -0.1% | 0.0% | 6.6% | 6.0% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.0% | 0.0% | 0.0% | 0.3% | 0.5% | |
| Intangibles / Total assets | 15.3% | 12.4% | 17.0% | 16.9% | 15.3% | |
| Days sales outstanding | 73d | 97d | 90d | 115d | 117d | |
| Days payables outstanding | 0d | 0d | 0d | -29d | 0d | |
| Operating cycle | 73d | 97d | 90d | 115d | 117d | |
| Cash conversion cycle | 73d | 97d | 90d | 144d | 117d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▼-41.0%EV / Sales ▼-41.8%EV / EBITDA ▲+10.1%EV / Op. cash flow ▼-8.882Earnings yield ▼-0.018Graham number ▼-22.157
Profitability
Return on equity ▼-0.061Return on assets ▼-0.014Return on invested capital ▼-0.684Return on capital employed ▼-0.018Operating ROA ▼-0.018Income quality ▲+2.854Tax burden ▲+0.074
Efficiency
Days sales outstanding ▼-23.931Days payables outstanding n/aOperating cycle ▼-23.931Cash conversion cycle ▼-23.931Capex / Sales ▼-0.005R&D / Sales n/a
Balance-sheet strength
Current ratio n/aNet debt / EBITDA ▲+0.490Working capital n/aInvested capital ▲+1432400000.000Intangibles / Total assets ▲+0.029
Change over 5 years
Valuation
Market cap ▼-33.5%EV / Sales ▼-16.5%EV / EBITDA ▲+127.6%EV / Op. cash flow ▼-7.745Earnings yield ▲+0.090
Profitability
Return on equity ▲+0.084Return on assets ▲+0.020Return on invested capital ▲+0.025Return on capital employed ▲+0.043Operating ROA ▲+0.030Income quality ▲+6.989Tax burden ▲+0.396
Efficiency
Days sales outstanding ▼-43.572Days payables outstanding n/aOperating cycle ▼-43.572Cash conversion cycle ▼-43.572Capex / Sales ▼-0.004R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.333Net debt / EBITDA ▲+12.408Working capital ▲+5554800000.000Invested capital ▲+5178800000.000Intangibles / Total assets -0.000
Employee count
Peer market caps
Congressional trades
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2020-08-11 | Greg Gianforte | Sale (Partial) | $15,001 - $50,000 |
| 2020-08-11 | Greg Gianforte | Sale (Partial) | $1,001 - $15,000 |
| 2020-08-10 | Greg Gianforte | Sale (Partial) | $15,001 - $50,000 |
| 2020-01-09 | Greg Gianforte | Purchase | $250,001 - $500,000 |
Recent news
- 2026-08-08 Kemper Q2 Earnings Call Highlights Kemper NYSE: KMPR reported a second-quarter net loss of $464.8 million, or $7.90 per share, as a $460 million non-cash goodwill impairment in its specialty auto segment weighed on GAAP results. Adjusted consolidated net operating income was $26.3 million, or $0.45 per share, as the insurer cited sequential improvement in underlying operating performance.
- 2026-08-06 Kemper Corporation (KMPR) Q2 2026 Earnings Call Transcript Kemper Corporation (KMPR) Q2 2026 Earnings Call Transcript
- 2026-08-05 Kemper (KMPR) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates The headline numbers for Kemper (KMPR) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
- 2026-08-05 Kemper (KMPR) Tops Q2 Earnings Estimates Kemper (KMPR) came out with quarterly earnings of $0.45 per share, beating the Zacks Consensus Estimate of $0.32 per share. This compares to earnings of $1.3 per share a year ago.
- 2026-08-05 Kemper Announces Quarterly Dividend CHICAGO--(BUSINESS WIRE)--Kemper Corporation (NYSE: KMPR) announced today that its Board of Directors has declared a quarterly dividend of $0.32 per share. The dividend is payable on September 4, 2026, to Kemper''s shareholders of record as of August 21, 2026. About Kemper The Kemper family of companies is one of the nation''s leading specialized insurers. With approximately $12 billion in assets, Kemper is improving the world of insurance by providing affordable and easy-to-use personalized solu.
- 2026-08-05 Kemper Reports Second Quarter 2026 Operating Results* CHICAGO--(BUSINESS WIRE)--Kemper Corporation (NYSE: KMPR) reported second quarter 2026 results, which included a non-cash goodwill impairment of $460 million. This has no impact on the cash-generating ability of our businesses, statutory capital, holding company liquidity, or compliance with our debt and revolving credit covenants. Including this charge, Kemper reported a net loss of $464.8 million, or $(7.90) per share, for the second quarter of 2026, compared to net income of $72.6 million, o.
- 2026-08-05 Kemper Announces Inducement Equity Awards for Newly Hired Executive CHICAGO--(BUSINESS WIRE)--Kemper Corporation (NYSE: KMPR) (the “Company”) today announced that it granted inducement equity awards to Eric E. Kappler, Executive Vice President, President, P&C, in connection with the commencement of his employment with the Company. Effective August 3, 2026, Kappler was granted an award of restricted stock units with respect to 30,738 shares of Kemper Corporation''s common stock (“Common Stock”) and an award of performance stock units with respect to 17,077 sh.
- 2026-07-26 Analysts Set Kemper Corporation (NYSE:KMPR) Target Price at $51.75 Kemper Corporation (NYSE: KMPR - Get Free Report) has been given a consensus recommendation of "Reduce" by the nine ratings firms that are currently covering the stock, Marketbeat reports. Four research analysts have rated the stock with a sell recommendation, three have assigned a hold recommendation and two have assigned a buy recommendation to the company.
- 2026-07-24 D.A. Davidson & CO. Buys Shares of 21,881 Kemper Corporation $KMPR D.A. Davidson and CO. purchased a new stake in shares of Kemper Corporation (NYSE: KMPR) in the first quarter, according to its most recent filing with the SEC. The firm purchased 21,881 shares of the insurance provider''s stock, valued at approximately $669,000. Several other institutional investors have also modified their holdings of KMPR.
- 2026-07-23 Kemper Announces Schedule for Second Quarter 2026 Earnings Release CHICAGO--(BUSINESS WIRE)--Kemper Corporation (NYSE: KMPR) today announced that after the markets close on Wednesday, August 5, Kemper intends to issue its second quarter 2026 earnings release, financial supplement, and Form 10-Q. Following their publication, these documents will be available in the investor section of kemper.com. Conference Call Details Kemper will host its conference call to discuss second quarter 2026 results on Thursday, August 6, at 8:00 am Eastern (7:00 am Central). The co.