Kemper (KMPR) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Kemper

NYSE•Financial Services•Insurance - Property & Casualty

$28.19+0.53(0.02%)After hours

Market Cap

$1.61B

P/S

0.4x

P/B

0.7x

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.

How this company scores

WeakMetricSide Score: 33/100

Grade capped at D — Interest coverage below 1× (-14.6x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (16/25); weakest: Profitability (0/25).

Profitability0/25

Growth8/25

Balance Sheet & Red Flags9/25

Cash & Earnings Quality16/25

Strengths

Low leverageCash-backed earningsConsistent free cash flowNo share dilution

Grade capped at D

Interest coverage below 1× (-14.6x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 42.3x5y range 12.0x – 76.1x

Currently above its 9-quarter median.

P/S · 0.4x5y range 0.4x – 0.9x

Currently below its 20-quarter median.

P/B · 0.7x5y range 0.7x – 1.7x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 242.9% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 4 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $1.61B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $4.57B
Q. Revenue: $1.09B
TTM EBITDA: $-449.50M
TTM Op. Income: $-521.50M
Q. Op. Income: $-467.00M
TTM Net Income: $-495.50M
Q. Net Income: $-464.80M
EPS: $-7.9
Shares Out.: $58.87M

$4.57B in TTM revenue declined 4.5% YoY, reaching $1.09B last quarter. TTM EBITDA of $-449.50M and TTM operating income of $-521.50M show growth is flowing through to the bottom line. However, net income is negative at $495.50M — growth is not yet reaching the bottom line. Across the last 8 quarters, TTM revenue has fallen for 3 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: -41.7%
Op. Margin: -42.7%
Net Margin: -42.5%

Op. margin of -42.7% is down 49.9% YoY — costs are rising relative to revenue. Net margin at -42.5% Over the past year, operating margin is down 699% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: N/A
P/S Ratio: 0.4x
P/B Ratio: 0.7x

P/S of 0.4x and P/B of 0.7x. P/S is low relative to typical market levels. Across the last 7 quarters, P/E has risen for 3 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $11.93B
Cash: $81.20M
Long-Term Debt: $944.50M
Book Value: $2.19B
D/E Ratio: 0.4
Debt/EBITDA: N/A

With $11.93B in assets and $944.50M in long-term debt, D/E is 0.4and book value is $2.19B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has risen for 4 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $30.50M
TTM Free Cash Flow: $396.60M
FCF Margin: 8.7%
FCF / Net Income: -0.8

TTM FCF of $396.60M on $30.50M in operating cash flow. The FCF / Net Income ratio of -0.8x means the business consumes cash — it is not yet self-funding. Across the last 8 quarters, free cash flow has fallen for 2 consecutive quarters — a weakening trend.