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Kemper

NYQ:KMPR · US4884011002
InsuranceMedium

360

4
Profit price5
Owner Earnings Yield68
Dividend Yield97
Price/Sales97
EV / Gross Profit83
Price/Book93
Returns on capital9
Profit margins11
Cash Conversion100
Accruals87
Owner Earnings Margin11
Sales growth18
Profit Growth25
Long-Term EPS Growth10
Owner Earnings Growth7
Reinvestment31
Price momentum5
Debt load8
Debt serviceability37
Liquidity8
Analyst ratings21
Opinion Changes50
Price Target Upside98
Market mood33
Value Creation8/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Kemper clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Profile

CountryUSA
IndustryInsurance
SizeMedium
TypePublic Company
ExchangeNYSE
Founded1990
Employees3,766
Websitekemper.com
ISINUS4884011002
Last UpdateApr 2, 2026
Indices
S&P MIDCAP (USA)
Themes
ConsumerFinancial ServicesInsurance

Description

Kemper Corporation (Kemper) is an insurance holding company. The company, through its subsidiaries, offers complementary insurance products, including personal and commercial automobile insurance to consumers in targeted markets and industries. Kemp…

Analysis

Weak and unloved

Kemper Corporation scores below average on quality and is priced accordingly, a low-conviction position in either direction.

On valuation, the picture is fair. The owner-earnings multiple stands at 17.9×; owner earnings: the cash an owner could take out each year.

Growth is weak; the safety picture is fragile. The company scores 8/20 on our value-creation score: creating some value.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
10
2023202420252026

All-time high

18

Apr 2023

All-time low

8

Feb 2025

Average rank

12

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
97
73
67
81
Price/Earnings
62
69
28
13
Price/Book
93
65
60
61
Dividend Yield
97
56
68
74
Value (overall)
100
67
48
66

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →