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Kemper(NYSE) KMPR

Current Price$28.05
Market Cap$1.66BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1990)+551%
5 Year-53%
1 Year-52%
1 Month+12%
Kemper last closing stock price
MetricPriceDate
Last closeUSD 28.122026-07-21
Kemper stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.82%USD 28.642026-07-14
1 month+12.35%USD 25.032026-06-18
3 month-12.59%USD 32.172026-04-22
Year to date-29.17%USD 39.702025-12-31
1 year-52.4%USD 59.082025-07-21
3 year-37.9%USD 45.282023-07-21
5 year-53.27%USD 60.182021-07-22
Since inception+550.72%USD 4.321990-04-23

Kemper Financials at a Glance

Market Cap

$1.66BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$4.71B

Net Income (TTM)

$41.90M

EPS (TTM)

$0.62

P/E Ratio

45.55

Dividend

$1.28

Beta (Volatility)

0.74 (Low)

Price

$28.05

Volume

0

Open

$27.98

Previous Close

$28.05

Daily Range

$27.40 - $28.41

52-Week Range

$22.69 - $62.47

Estimated Earnings Date

Aug 4, 2026

KMPR News

Person putting hands together in the drivers seat of a car

Why Kemper Stock Nose-Dived by 14% Today

Eric VolkmanNov 6, 2025

Fifth Street Finance Corp. Is Making Use of the 30% Bucket

Jordan WathenJul 3, 2014
bg

3 Players in the Insurance Sector Poised for Robust Growth

Rohit SinghNov 20, 2013

Kemper Names New P&C CFO

Rich DupreyMay 14, 2013

The Godfather of Value Investing's Secret Formula: 6 Stocks Trading Below Their Graham Numbers

Kapit allFeb 16, 2011

5-Star Stocks Poised to Pop: Unitrin

BRIAN PACAMPARADec 2, 2010

KMPR: Motley Fool Moneyball Superscore

41

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About Kemper

Kemper helps people get insurance for cars and their families. It specializes in serving individuals who need basic financial protection. The company makes insurance affordable for diverse and underserved markets.

Protection for Cars and Families

  • Specialty Personal Auto: Policies for drivers who have difficulty obtaining standard coverage; accounted for 89% of consolidated premiums in 2025.
  • Commercial Automobile: Coverage for businesses like contractors and delivery services focused on short-haul trips.
  • Life and Health: Permanent and term life insurance, covering customers for their whole life or a set number of years; represented 9% of earned premiums in 2025.
  • Property Protection: Fire and liability coverage for personal belongings provided through the life insurance agent network.

Paths to Future Growth

  • Established Kemper Reciprocal in the third quarter of 2023 as an Illinois-based group where members provide insurance for one another.
  • Streamlined its market presence by focusing on the Kemper Auto and Kemper Life brands for specialized consumer solutions.
  • Implemented a hybrid work model in 2025 to balance remote work with purposeful in-person collaboration and training.

Why Kemper Stands Out

Kemper maintains a network of more than 24,100 independent agents and brokers to reach customers across the United States. This extensive distribution system allows the company to effectively serve niche markets like urban and Hispanic consumer segments.

Checking the Financial Vitals

  • Revenue fell to $1.1 billion in Q4 2025, a 4% decrease from the previous year.
  • Gross profit reached $281.3 million in Q4 2025, up 260.4% from a loss in Q4 2024.
  • Free cash flow was $166.2 million in Q4 2025, down 24% year-over-year.
  • Net income dropped to a loss of $8 million in Q4 2025, down 108.2% from the prior year.

Evolution of the Business

Kemper has evolved into a specialized insurer focusing on auto and life products for underserved populations. Its reliance on a broad agent network and niche market expertise supports its role in the financial services sector.

AI Generated • Apr 28, 2026

Industry

Insurance

Sector

Financials

Employees

7,400

CEO

Carl Thomas Evans, Jr.

Website

www.kemper.com

Headquarters

Chicago, IL 60601, US

KMPR Financials

Key Financial Metrics (TTM)

Gross Margin

14.05%

Operating Margin

0.70%

Net Income Margin

0.89%

Return on Equity

1.52%

Return on Capital

4.36%

Return on Assets

0.34%

Earnings Yield

2.20%

Dividend Yield

4.55%

Payout Ratio

1.85%

Stock Overview

Market Cap

$1.66BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

58.87M

Volume

0

Avg. Volume

1.16M

Financials (TTM)

Gross Profit

$661.70M

Operating Income

$33.00M

EBITDA

$104.30M

Operating Cash Flow

$493.30M

Capital Expenditure

-$33.80M

Free Cash Flow

$459.50M

Cash & ST Invst.

$398.40M

Total Debt

$944.00M

Kemper Performance Analysis

Kemper annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 5,549,700,000-4.4%
20232023-12-31USD 4,945,300,000-10.9%
20242024-12-31USD 4,644,400,000-6.1%
20252025-12-31USD 4,800,500,0003.4%
Kemper sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-303.2%
Q32025-09-300.7%
Q42025-12-31-8.1%
Q12026-03-31-2.4%
Kemper annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD -4.49139.5%
20232023-12-31USD -4.25-5.4%
20242024-12-31USD 4.91N/A
20252025-12-31USD 2.29-53.3%
Kemper sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-27.3%
Q32025-09-30-130.4%
Q42025-12-3158.8%
Q12026-03-3179.4%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$1.11B

-6.8%

Gross Profit

$280.10M

+105.1%

Gross Margin

25.26%

N/A

Market Cap

$1.66BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$223.72K

N/A

Employees

7,400

N/A

Net Income

-$1.70M

-101.7%

EBITDA

$13.00M

-91.0%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$398.40M

-42.5%

Total Debt

$944.00M

+0.2%

Accounts Receivable

$1.23B

-5.0%

Inventory

$0.00

N/A

Long Term Debt

$944.00M

+0.2%

Short Term Debt

$0.00

N/A

Return on Assets

0.34%

N/A

Return on Invested Capital

0.44%

N/A

Free Cash Flow

$77.90M

-54.8%

Operating Cash Flow

$88.80M

-50.7%

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Questions About KMPR

What is the current price of Kemper?

Kemper is trading at $28.05 per share.

What is the 52-week range for Kemper?

Over the past 52 weeks, Kemper has traded between $22.69 and $62.47.

How much debt does Kemper have?

As of the most recent reporting period, Kemper reported total debt of $944.00M.

How much cash does Kemper have on hand?

Kemper reported $92.10M in cash and cash equivalents in its most recent financial results.

What is Kemper’s dividend yield?

Kemper currently has a dividend yield of 4.55%.

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