KMPR
Neutral signalScored 2026-09-07 Drivers: Congress, fundamentals. Moteurs : Congrès, fondamentaux.
Research, not advice.
À propos
Kemper Corporation
- Nom
- Kemper Corporation
- Secteur
- Financial Services
- Industrie
- Insurance - Property & Casualty
- Bourse
- NYSE
- Capitalisation
- $1.7B
- Employés
- 7,350
- PDG
- Stephen J. McAnena
- Site web
- https://www.kemper.com
- Marché
- AHLBHFECCHCINMIHPLMR
Kemper Corporation functions as a comprehensive insurance holding entity, providing a wide array of property and casualty, alongside life and health insurance coverage throughout the United States. Its operations are divided into three primary segments: Specialty Property & Casualty Insurance, Preferred Property & Casualty Insurance, and Life & Health Insurance. The company offers individual clients a variety of property and casualty protection, such as automobile, homeowners', renters', fire, umbrella, and general liability policies. Additionally, it supplies commercial automobile insurance for businesses. Regarding life and health offerings, Kemper delivers diverse life insurance products, including both permanent and term options. It also provides supplementary accident and health plans, Medicare supplemental insurance, fixed hospital indemnity, home health care services, specific disease policies, and accident-only coverage, tailored for individuals across rural, suburban, and urban environments. Its insurance solutions are primarily distributed via a network of independent agents and brokers. Established in 1990 and based in Chicago, Illinois, the company rebranded as Kemper Corporation in August 2011, having previously operated under the name Unitrin, Inc.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
ACHAT TOTAL: 9 000 titres (~235 510,00 $ US)
- Insiders
- LADERMAN GERALDGorevic Jason N
- Total bought
-
$235,510
Avg buy (VWAP, 90d window) $26.28 vs last close —
- Total sold
-
—
Avg sell (VWAP, 90d window) —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-08-11
- Last synced
-
2026-08-21 23:36:53
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-08-13 | McAnena Stephen J | Buy · P | 3,000 | $26.50 | $79,500 | Form 4 |
| 2026-08-11 | Camden Bradley T | Buy · P | 1,000 | $26.34 | $26,340 | Form 4 |
| 2026-08-11 | Evans Carl Thomas Jr. | Buy · P | 1,000 | $26.53 | $26,530 | Form 4 |
| 2026-08-11 | LADERMAN GERALD | Buy · P | 4,000 | $26.49 | $105,960 | Form 4 |
| 2026-08-10 | Gorevic Jason N | Buy · P | 5,000 | $25.91 | $129,550 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
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 |
Signal
Neutral signalScored 2026-09-07 Drivers: Congress, fundamentals. Moteurs : Congrès, fondamentaux.
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.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Congress Supports a bullish reading. 1 purchase disclosure year to date
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Pulls against a bullish reading. Current ratio 0.00 · operating margin 3.3%
Market snapshot
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
Change over 5 years
Employee count
Peer market caps
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.