Kemper Corporation

Kemper Corporation

KMPRยทNYSE

$24.25

-5.6%
Financial ServicesInsurance - Property & Casualty

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.

At a Glance

Live Snapshot
Market Cap$1.43B
EPS2.3100
P/E Ratio17.54
Earnings Date08/04/2026
Kemper Corporation

Kemper Corporation Fair Value Envelope

KMPR ยท NYSE

Our analysis suggests that KMPR has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $24.25, this represents a potential HIDDEN relative to our calculated worth for Kemper Corporation.

Intrinsic Value
Current Price: $24.25

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

$
%
$
%
$
$

Projection Settings

Forecast period and terminal assumptions

%
%

DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$948.5B
+ Cash & Equivalents$126.0M
Firm Value$948.6B
- Debt$1.0B
Equity Value$947.6B
/ Shares Outstanding63,281,962B
DCF Value$15.0K
UNDERVALUED BY 61649%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$982.0M
$1.6B
$2.8B
$4.7B
$7.8B
$13.1B
$22.1B
$37.1B
$62.3B
$104.7B
Maintenance CapEx
-$10.3M
-$17.3M
-$29.0M
-$48.8M
-$81.9M
-$137.6M
-$231.2M
-$388.4M
-$652.5M
-$1.1B
Owner Earnings
$971.7M
$1.6B
$2.7B
$4.6B
$7.7B
$13.0B
$21.8B
$36.7B
$61.7B
$103.6B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$899.7M
$1.4B
$2.2B
$3.4B
$5.3B
$8.2B
$12.7B
$19.8B
$30.8B
$48.0B
Terminal Value represents 86.0% of Enterprise Value