KEMPER Corp (KMPR) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does KEMPER Corp Do?
Kemper 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. KEMPER Corp (KMPR) is classified as a small-cap stock in the Financials sector, specifically within the Insurance industry. The company is led by CEO Joseph P. Lacher and employs approximately 9,500 people, headquartered in CHICAGO, Illinois. With a market capitalization of $1.8B, KMPR is one of the notable companies in the Financials sector.
KEMPER Corp (KMPR) Stock Rating — Reduce (April 2026)
As of April 2026, KEMPER Corp receives a Reduce rating with a composite score of 36.4/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.KMPR ranks #3,078 out of 4,446 stocks in our coverage universe. Within the Financials sector, KEMPER Corp ranks #737 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
KMPR Stock Price and 52-Week Range
KEMPER Corp (KMPR) currently trades at $31.13. The stock lost $0.88 (2.7%) in the most recent trading session. The 52-week high for KMPR is $69.25, which means the stock is currently trading -55.0% from its annual peak. The 52-week low is $28.41, putting the stock 9.6% above its annual trough. Recent trading volume was 568K shares, suggesting relatively thin trading activity.
Is KMPR Overvalued or Undervalued? — Valuation Analysis
KEMPER Corp (KMPR) carries a value factor score of 74/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 8.70x, compared to the Financials sector average of 14.88x — a discount of 42%. The price-to-book ratio stands at 0.68x, versus the sector average of 1.22x. The price-to-sales ratio is 0.39x, compared to 0.90x for the average Financials stock. On an enterprise value basis, KMPR trades at 7.97x EV/EBITDA, versus 3.26x for the sector.
Based on these multiples, KEMPER Corp appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.
KEMPER Corp Profitability — ROE, Margins, and Quality Score
KEMPER Corp (KMPR) earns a quality factor score of 37/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 7.9%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 1.7% versus the sector average of 1.2%.
On a margin basis, KEMPER Corp reports gross margins of 0.0%. The operating margin is 100.0% (sector: 21.8%). Net profit margin stands at 4.5%, versus 17.7% for the average Financials stock. Revenue growth is running at 9.7% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.
KMPR Debt, Balance Sheet, and Financial Health
KEMPER Corp has a debt-to-equity ratio of 35.0%, compared to the Financials sector average of 121.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. Total debt on the balance sheet is $943M. Cash and equivalents stand at $107M.
KMPR has a beta of 0.73, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for KEMPER Corp is 56/100, reflecting average volatility within the normal range for its sector.
KEMPER Corp Revenue and Earnings History — Quarterly Trend
In TTM 2026, KEMPER Corp reported revenue of $4.84B and earnings per share (EPS) of $-0.34. Net income for the quarter was $215M. Gross margin was 0.0%. Operating income came in at $4.84B.
In Q3 2025, KEMPER Corp reported revenue of $1.24B and earnings per share (EPS) of $-0.34. Net income for the quarter was $-24M. Gross margin was 0.0%. Revenue grew 5.2% year-over-year compared to Q3 2024. Operating income came in at $1.24B.
In Q2 2025, KEMPER Corp reported revenue of $1.23B and earnings per share (EPS) of $1.13. Net income for the quarter was $70M. Gross margin was 0.0%. Revenue grew 8.5% year-over-year compared to Q2 2024. Operating income came in at $1.23B.
In Q1 2025, KEMPER Corp reported revenue of $1.19B and earnings per share (EPS) of $1.56. Net income for the quarter was $97M. Gross margin was 0.0%. Revenue grew 4.4% year-over-year compared to Q1 2024. Operating income came in at $1.19B.
Over the past 8 quarters, KEMPER Corp has demonstrated a growth trajectory, with revenue expanding from $1.14B to $4.84B. Investors analyzing KMPR stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
KMPR Dividend Yield and Income Analysis
KEMPER Corp (KMPR) currently pays a dividend yield of 2.5%. At this yield, a $10,000 investment in KMPR stock would generate approximately $$246.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning KMPR yields less than the typical sector peer.
KMPR Momentum and Technical Analysis Profile
KEMPER Corp (KMPR) has a momentum factor score of 17/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 29/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 16/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
KMPR vs Competitors — Financials Sector Ranking and Peer Comparison
Within the Financials sector, KEMPER Corp (KMPR) ranks #737 out of 891 stocks based on the Blank Capital composite score. This places KMPR in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.
Comparing KMPR against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full KMPR vs S&P 500 (SPY) comparison to assess how KEMPER Corp stacks up against the broader market across all factor dimensions.
KMPR Next Earnings Date
No upcoming earnings date has been announced for KEMPER Corp (KMPR) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy KMPR? — Investment Thesis Summary
The quantitative profile for KEMPER Corp suggests caution. The quality score of 37/100 flags below-average profitability. The value score of 74/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 17/100, a headwind for near-term performance.
In summary, KEMPER Corp (KMPR) earns a Reduce rating with a composite score of 36.4/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on KMPR stock.
Related Resources for KMPR Investors
Explore more research and tools: KMPR vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare KMPR head-to-head with peers: KMPR vs WTM, KMPR vs OPY, KMPR vs ACT.