QualityDipStocks / Finance · Property-Casualty Insurers
Kemper KMPR
Outside our quality screen, so we don’t track its dips. It’s 22% below its 52-week high.
Outside our quality screen. No fair value estimate for now: our model doesn’t fit it reliably.
- Fair value est.
- n/a
- Market Value
- forming
- Off 52-wk high
- −22%
- Risk vs market
- Lowbeta 0.16
3 bullish · 5 bearish See why
Repriced or dip?
Repricing: business changed
The price is 22% below its 52-week high (Oct 31), but the business held up: shares outstanding fewer shares, each owns more.
Some numbers held up (shares outstanding fewer shares, each owns more), others slipped (revenue growth rate −7.1 pts, earnings per share turned to a loss, revenue −4.5%). The price is 22% below its 52-week high.
The price is 22% below its 52-week high, and the business changed too: revenue growth rate −7.1 pts, earnings per share turned to a loss, revenue −4.5%.
Within 10% of its 52-week high, so there is no dip to judge yet.
The evidence 6 numbers, high vs now
- Revenue, last 12 months$4.8B → $4.6B (−4.5%)changed
- Revenue growth rate+2.7% → −4.5% a year (−7.1 pts)changed
- Earnings per share, 12 monthsturned to a losschanged
- Shares outstanding−7.3% (fewer shares, each owns more)held up
- Stock vs its sector (Finance)stock −22%, sector median +14% since Oct 31changed
- Price fall vs business numbersprice −22%, revenue/EPS/FCF median −4% (shown, not scored)
Business numbers as reported at the high (12 months to Jun 30, 2025) vs the latest filing (12 months to Jun 30, 2026). Each measure is scored from −1 (business changed) to +1 (business intact) and weighted: revenue, earnings per share, free cash flow, operating margin, revenue growth rate, share count, net cash and the move vs its sector. 60 or more reads as a dip, 40 or less as a repricing. Analyst estimates are not in our data, so they are not used. How to read it
Data-based read, not advice.
Priced in
How much growth the market assumed at the 52-week high, the low and today (a reverse DCF).
52-wk high: P/E 8.5×; 52-wk low: P/E 32.1×.
| High | Low | Now | |
|---|---|---|---|
| Price | $44.99Oct 31 | $22.90Jun 3 | $35.08 |
| P/E | 8.5× | 32.1× | n/a |
What this means: a lower P/E than at the high means you pay less for each dollar of profit than buyers did then.
How it’s computed
Banks, insurers and lenders: cash flow includes deposits and loans, so a cash-flow model doesn't fit; we show P/E at each point instead. P/E = that day's close × diluted shares / 12-month net income, using only the filings that were public on that day.
Valuation
What we estimate it's worth, and how it ranks on value vs every stock we cover.
Fair value estimate
Estimate unreliable for KMPR: earnings swing too much for a book-value model (return on equity ranged from -119% to 11% across FY2020–2025 and the latest 12 months). We’d rather show nothing than a made-up number.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 31 to Nov 2, 252 sessions). Beta = how much KMPR moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Has moved mostly independently of the market, but its own price swings are 3.3× the S&P 500’s (it moves on its own news).
- Beta vs S&P 500
- 0.16
- Volatility
- 43% vs 13% SPY
- Correlation SPY
- 0.05
- Correlation QQQ
- −0.12
Valuation details
Fundamentals
The business itself: sales, profits, cash and debt, from SEC filings.
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 3 of 5
Cash returnsShare count down 8.9% in a year: $269M of buybacks over 12 months.
Cash returnsDividend yield of 3.6% ($76M paid over 12 months).
ValuationPrice / book of 1.0×, below the 1.7× median for the 296 Finance companies we cover.
Top bearish points 5 of 5
GrowthDiluted EPS fell 53% to $2.29 in FY2025.
GrowthSales shrank 5% a year from FY2022 to FY2025.
GrowthSales fell 4% over the last 12 months vs the 12 months before (SEC filings).
ProfitabilityReturn on equity of −19%, below the 12% median for the 291 Finance companies we cover.
QualityDoesn’t pass our quality screen: ROE under 12% and ROIC under 10%; sales down vs the year-ago quarter.
All fundamentals
ROE -19% · Sales −4%
Valuation
- P/E
- n/aloss over the last 12 months
- Price / FCF
- n/acash flow isn't a clean measure for an insurer
- FCF yield
- n/acash flow isn't a clean measure for an insurer
- EV / EBITDA
- n/anot meaningful for an insurer
- Price / sales
- 0.46×
- Price / book
- 0.96×
- Market cap
- $2.1Blisted
- Enterprise value
- $3.0B
Growth
- Revenue, 12 months
- $4.6B
- Sales growth, 12 months
- −4.5%vs the 12 months before
- Sales growth, 3 yrs
- −4.6%/yrfrom FY2022
- Diluted EPS, 12 months
- −$8.30
- EPS growth, last FY
- −53.4%
- Net income, 12 months
- −$496M
- Net income growth
- n/anot reported in its SEC filings
Profitability
- Gross margin
- n/anot meaningful for an insurer
- Operating margin
- n/anot reported in its SEC filings
- Net margin
- −10.8%
- FCF margin
- 8.7%
- Return on equity
- −19%
- Return on invested capital
- n/anot meaningful for an insurer
Balance sheet
- Cash & short-term inv.
- $81M
- Total debt
- $944M
- Net cash
- n/anot meaningful for an insurer
- Debt / equity
- n/adeposits/float make debt/equity not comparable for an insurer
- Interest coverage
- n/anot meaningful for an insurer
Cash flow & returns
- Free cash flow, 12 months
- $397M
- FCF growth, 12 months
- −28%
- Dividend yield
- 3.63%$76M paid
- Payout ratio
- n/anot reported in its SEC filings
- Buybacks, 12 months
- $269M12.8% of market cap
- Share count, 1 year
- −8.9%diluted shares vs a year ago
- Stock-based comp
- n/anot reported in its SEC filings
Trailing 12 months to Jun 30, 2026; balance sheet at Jun 30, 2026. From Kemper’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
The business
FCF $0.2B · Sales −9%
- Free cash flow, 12 months$0.2B
- Free-cash-flow yield10.5%
- Return on equity−20%
- Sales growth (latest quarter vs year-ago quarter)−9%
Chart & levels
Where the price is vs its key levels and trends.
Key levels
Every level vs today’s $35.08
- 52-wk lowlowest close, 1 year$22.90−34.7%
- PriceMon Nov 2 close$35.08you are here
- 52-wk highhighest close, 1 year$44.99+28.2%
Momentum & 52-week range
RSI 80 · 5 days +20.0%
Signals
Reversal signal setups, the public ledger and the next earnings date.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
Next report
Nov 9
- DateMon Nov 9, after the close
- Consensus EPS$0.66
- Year-ago EPS$0.33
- QuarterSep/2026
From Nasdaq’s earnings calendar. A report resets Market Value.
KMPR is outside our quality screen
One text when a published rule fires on one of the 332 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.
Voices & buzz
Who is talking about it, and how it compares with peers.
Who’s talking about it
Notable investors, executives, analysts and public figures on Kemper in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 3, 1:01 PM ET.
Compare with peers
Closest in size in Property-Casualty Insurers
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.