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Home CompaniesKemper Corporation

Kemper Corporation

Financial Services Insurance - Property & Casualty
PortfolioPortfolio WatchlistWatchlist
Company price
33.39 USD -1.94 ( 5.49%)
Last update at 2026-11-06T21:00:00Z
VOLUME
1337443
Market Cap
1637.88M

Momentum Score

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Kemper Corporation, an insurance holding company, provides insurance products in the United States. It operates in two segments, Specialty Property & Casualty Insurance, and Life Insurance. The Specialty Property & Casualty Insurance segment primarily offers specialty personal automobile and commercial automobile insurance through independent agents and brokers. The Life Insurance segment primarily provides individual life, accident, supplemental health, and property insurance. 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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
33.39
Low
34.80
High
52 Week Price Range
22.42
Low
51.11
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Kemper Corporation is a U.S.-based insurance holding company that underwrites property & casualty and specialty insurance for personal and commercial customers. Long-term growth drivers include rate adequacy and product-mix improvements, disciplined underwriting, and higher investment yields that could support earnings and capital generation. Investors may find the company attractive for its established national footprint and diversified revenue streams.

Key risks include underwriting volatility and reserve adequacy, catastrophe losses, competitive pricing pressure, sensitivity of investment income to interest rates, and regulatory or rating-related capital constraints investors should monitor.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
35.33
Dividend Yield
4.59%
Revenue TTM
4592.90M
Revenue Per Share
77.25
Gross Profit TTM
1166.60M
Debt / Equity
0.37
ROE
-19.70%
Net Debt
878.90M
ROCE
1.64%
Diluted EPS TTM
-8.31

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 160.70M 388.50M -347.10M -389.50M -245.30M
Minority interest 10.70M 5.30M -0.20M - -
Net income 143.30M 317.80M -347.10M -301.20M -120.50M
Selling general administrative 1163.70M 2.60M 411.20M 358.40M 339.50M
Selling and marketing expenses - - 2.70M - -
Gross profit 1425.00M 589.40M 4944.20M 5576.80M 5793.00M
Reconciled depreciation 74.30M 53.70M 66.10M 70.90M 99.80M
Ebit 199.20M 445.40M -347.10M 44.70M -250.10M
Ebitda 273.50M 499.10M -347.10M 115.60M -150.30M
Depreciation and amortization 74.30M 53.70M 58.60M 70.90M 99.80M
Operating income 160.70M 388.50M -347.10M 44.70M -250.10M
Other operating expenses 4639.80M 4244.20M 5261.80M 5966.30M 6038.30M
Interest expense 38.50M 56.90M 369.30M 257.60M 219.40M
Tax provision 28.10M 76.00M -110.50M -88.30M -124.80M
Interest income 317.40M 320.70M 346.90M 306.40M 293.60M
Net interest income -38.50M -56.90M -55.90M -257.60M -219.40M
Income tax expense 28.10M 76.00M -74.80M -88.30M -124.80M
Total revenue 4800.50M 4632.70M 4944.20M 5576.80M 5793.00M
Total operating expenses 1264.30M 200.90M 5675.00M 5966.30M -6043.10M
Cost of revenue 3375.50M 4043.30M -29.50M 6.60M -
Total other income expense net -2.00M -131.50M 7.20M -434.20M 4.80M
Net income from continuing ops 132.60M 312.50M -391.50M -301.20M -120.50M
Net income applicable to common shares - - - -301.20M -120.50M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 12472.70M 12630.40M 12742.70M 13364.00M 14916.50M
Intangible assets 656.70M 315.50M 910.00M 120.20M 293.80M
Other current assets -327.90M -2365.70M -1812.20M 180.90M -9622.30M
Total liab 9803.30M 9846.10M 10237.70M 10920.80M 1348.90M
Total stockholder equity 2681.40M 2788.40M 2505.20M 2443.20M 4007.70M
Deferred long term liab - - - - 227.00M
Other current liab -1262.30M -449.60M 3386.80M -21.80M 1898.70M
Common stock 5.90M 6.40M 6.40M 6.40M 6.40M
Capital stock 5.90M 6.40M 6.40M 6.40M 6.40M
Retained earnings 1157.80M 1231.60M 1014.30M 1380.10M 1762.50M
Other liab - - - 5119.30M 7044.60M
Good will 1250.70M 1250.70M 1250.70M 1300.30M 1312.00M
Other assets - 12630.40M 12742.70M 11182.30M -6036.00M
Cash 126.00M 65.40M 64.10M 212.40M 148.20M
Total current liabilities - 449.60M 4688.10M 167.60M 173.10M
Current deferred revenue 1245.20M - 1301.30M 189.40M -
Net debt 878.90M 1359.30M 1325.10M 1174.50M 973.70M
Short term debt 17.10M 449.60M 470.00M - -
Short long term debt 0.00M 449.60M 0.00M - -
Short long term debt total 1004.90M 1424.70M 1389.20M 1386.90M 1121.90M
Other stockholder equity 1723.90M 1854.90M 1845.30M 1812.70M 1790.70M
Property plant equipment - - - 45.10M 64.40M
Total current assets 1091.20M 2660.80M 1812.20M 692.00M 10218.30M
Long term investments 7595.70M 7898.80M 7854.00M 7633.40M 9422.20M
Net tangible assets - - - 1142.90M 2695.70M
Short term investments 327.90M 1065.10M 522.90M 7173.20M 8271.00M
Net receivables 965.20M 1235.20M 1225.20M 1716.80M 1799.10M
Long term debt 943.50M 941.70M 1389.20M 1386.90M 1121.90M
Inventory - - -1979.40M - -
Accounts payable - - - 817.30M 843.60M
Accumulated other comprehensive income -206.20M -304.50M -360.80M -756.00M 448.10M
Common stock total equity - - - 6.40M 6.40M
Retained earnings total equity - - - 1380.10M 1762.50M
Non currrent assets other 1075.90M -9419.30M 174.40M -7633.40M -10734.20M
Non current assets total 11381.50M 12630.40M 10930.50M 1489.70M 10734.20M
Long term debt total - - - 1386.90M 1121.90M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 434.10M -244.40M 126.40M -468.00M 139.10M
Change to liabilities - - - -271.00M -57.20M
Total cashflows from investing activities 336.20M -244.40M 107.90M -108.40M -118.20M
Net borrowings -450.00M 0.00M 0.00M 457.10M -57.20M
Total cash from financing activities -860.10M -137.20M -122.00M 382.90M -290.40M
Change to operating activities - - - 46.10M 644.50M
Net income 143.30M 312.50M -272.30M -301.20M -120.50M
Change in cash 60.60M 1.30M -148.30M 64.20M -57.90M
Begin period cash flow 65.40M 64.10M 212.40M 148.20M 206.10M
End period cash flow 126.00M 65.40M 64.10M 212.40M 148.20M
Total cash from operating activities 584.50M 382.90M -134.20M -210.30M 350.70M
Issuance of capital stock - - - - 0.00M
Depreciation 74.30M 53.70M 58.60M 70.90M 99.80M
Other cashflows from investing activities 4.10M 40.30M -30.80M 390.40M -199.50M
Dividends paid 79.60M 80.10M 80.10M -79.70M -80.60M
Change to account receivables 10.00M -18.90M 338.50M 127.50M -54.60M
Sale purchase of stock -301.90M -38.90M 0.00M 4.90M -161.70M
Other cashflows from financing activities -32.30M -18.20M -46.20M 742.60M -3.50M
Change to netincome - - - 39.90M 38.70M
Capital expenditures 30.60M 53.20M 53.80M 30.80M 57.80M
Change receivables - - - 127.50M -54.60M
Cash flows other operating - - - 144.00M 498.00M
Cash and cash equivalents changes - - - 64.20M -57.90M
Change in working capital 361.00M -17.90M -51.30M -95.50M 512.10M
Stock based compensation - - 29.00M - -
Other non cash items 5.90M 34.60M 130.80M 115.50M -140.70M
Free cash flow 553.90M 329.70M -188.00M -241.10M 292.90M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Property & Casualty

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
KMPR
Kemper Corporation		 -1.94
5.49%		 33.39 - 4.95 0.36 0.75 0.55
CB
Chubb Ltd		 -6.61
1.78%		 365.02 12.11 11.83 2.13 1.75 2.45
PGR
Progressive Corp		 -5.41
2.32%		 227.77 11.10 13.55 1.41 3.74 1.50
TKOMF
Tokio Marine Holdings Inc.		 -
-%		 3.80 28.94 12.24 0.01 1.87 1.61
TKOMY
Tokio Marine Holdings Inc		 -0.14
3.59%		 3.63 28.73 12.25 0.01 1.87 1.61

Profile*

Kemper Corporation

Kemper Corporation, an insurance holding company, provides insurance products in the United States. It operates in two segments, Specialty Property & Casualty Insurance, and Life Insurance. The Specialty Property & Casualty Insurance segment primarily offers specialty personal automobile and commercial automobile insurance through independent agents and brokers. The Life Insurance segment primarily provides individual life, accident, supplemental health, and property insurance. 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.

200 East Randolph Street, Chicago, IL, United States, 60601

312 661 4600

https://www.kemper.com

7300

Name Title Year Born
Mr. Joseph Patrick Lacher Jr. Non-Exec. Chairman, CEO & Pres 1969
Mr. James J. McKinney Exec. VP & CFO 1980
Mr. John Michael Boschelli Exec. VP & Chief Investment Officer 1969
Mr. Duane Allen Sanders Exec. VP and Pres of P&C Claims & Personal Insurance 1957
Mr. Charles Tipton Brooks Exec. VP of Operations & Systems 1967
Mr. James Alexander Sr. VP, Chief Accounting Officer & Principal Accounting Officer NA
Ms. Ismat Aziz Exec. VP, Chief HR Officer & Chief Admin. Officer 1968
Karen Guerra VP of Investor Relations NA
Mr. Carl Thomas Evans Jr. Exec. VP, Gen. Counsel & Sec. 1959
Ms. Barbara Ciesemier Assistant VP of Corp. Communications NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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