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Financial Services - Insurance - Property & Casualty - NYSE - US
$ 56.39
-2.34 %
$ 3.61 B
Market Cap
11.48
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one KMPR stock under the worst case scenario is HIDDEN Compared to the current market price of 56.4 USD, Kemper Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one KMPR stock under the base case scenario is HIDDEN Compared to the current market price of 56.4 USD, Kemper Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one KMPR stock under the best case scenario is HIDDEN Compared to the current market price of 56.4 USD, Kemper Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart KMPR

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$72.0$72.0$70.0$70.0$68.0$68.0$66.0$66.0$64.0$64.0$62.0$62.0$60.0$60.0$58.0$58.0$56.0$56.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
4.64 B REVENUE
-5.62%
0 OPERATING INCOME
0.00%
312 M NET INCOME
214.76%
383 M OPERATING CASH FLOW
385.32%
-244 M INVESTING CASH FLOW
-226.51%
-137 M FINANCING CASH FLOW
-12.46%
1.19 B REVENUE
0.67%
-445 M OPERATING INCOME
-282.91%
95.7 M NET INCOME
36.52%
175 M OPERATING CASH FLOW
23.40%
-155 M INVESTING CASH FLOW
-26.68%
125 M FINANCING CASH FLOW
278.63%
Balance Sheet Kemper Corporation
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Current Assets 1.13 B
Cash & Short-Term Investments 1.13 B
Receivables 0
Other Current Assets 0
Non-Current Assets 9.46 B
Long-Term Investments 7.9 B
PP&E 0
Other Non-Current Assets 1.57 B
10.67 %74.55 %14.78 %Total Assets$10.6b
Current Liabilities 450 M
Accounts Payable 0
Short-Term Debt 450 M
Other Current Liabilities 0
Non-Current Liabilities 14.8 M
Long-Term Debt 942 M
Other Non-Current Liabilities -927 M
96.81 %202.78 %Total Liabilities$464.4m
EFFICIENCY
Earnings Waterfall Kemper Corporation
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Revenue 4.64 B
Cost Of Revenue 0
Gross Profit 4.64 B
Operating Expenses 4.63 B
Operating Income 0
Other Expenses -312 M
Net Income 312 M
5b5b5b5b4b4b4b4b3b3b3b3b2b2b2b2b1b1b500m500m005b05b(5b)0313m313mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
0.00% OPERATING MARGIN
0.00%
6.74% NET MARGIN
6.74%
11.21% ROE
11.21%
2.47% ROA
2.47%
0.00% ROIC
0.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Kemper Corporation
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500m500m400m400m300m300m200m200m100m100m00(100m)(100m)(200m)(200m)(300m)(300m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 312 M
Depreciation & Amortization 53.7 M
Capital Expenditures 0
Stock-Based Compensation 0
Change in Working Capital 0
Others 16.7 M
Free Cash Flow 383 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Kemper Corporation
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Wall Street analysts predict an average 1-year price target for KMPR of $80.9 , with forecasts ranging from a low of $48 to a high of $128 .
KMPR Lowest Price Target Wall Street Target
48 USD -14.88%
KMPR Average Price Target Wall Street Target
80.9 USD 43.39%
KMPR Highest Price Target Wall Street Target
128 USD 126.99%
Price
Max Price Target
Min Price Target
Average Price Target
130130120120110110100100909080807070606050504040May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.47% DIVIDEND YIELD
0.32 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.240.240.240.240.250.30.310.310.310.310.320.240.240.240.240.250.30.310.310.310.310.240.240.240.240.250.30.310.310.310.310.240.960.240.960.240.960.240.960.281.030.31.200.311.240.311.240.311.240.311.240.322015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 6
6. Ownership
Insider Ownership Kemper Corporation
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
1.85 M USD 1
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
330 K USD 2
9-12 MONTHS
7. News
Why Kemper (KMPR) is a Top Dividend Stock for Your Portfolio Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Kemper (KMPR) have what it takes? zacks.com - 1 week ago
Kemper Completes Redemption of $450 Million of 4.350% Senior Notes Due 2025 CHICAGO--(BUSINESS WIRE)--Kemper Corporation (NYSE: KMPR) announced today that it has completed the previously announced redemption of its $450 million of 4.350% Senior Notes due 2025 using available cash. About Kemper The Kemper family of companies is one of the nation's leading specialized insurers. With approximately $13 billion in assets, Kemper is improving the world of insurance by providing affordable and easy-to-use personalized solutions to individuals, families and businesses through. businesswire.com - 2 months ago
Better EPS Than Expected, And Immune To The Tariff Storm, Kemper Is A Buy Kemper Corporation's significant restructuring and exit from the Preferred Property and Casualty Insurance business are expected to enhance financial flexibility and FCF growth from 2025 to 2031. Stock repurchases and a robust repurchase plan are likely to increase demand for KMPR shares, potentially driving up the stock price. Inorganic growth through acquisitions in the U.S. insurance market is anticipated to further boost KMPR's free cash flow and overall financial performance. seekingalpha.com - 2 months ago
Kemper Corporation (KMPR) Q4 2024 Earnings Call Transcript Kemper Corporation (NYSE:KMPR ) Q4 2024 Earnings Conference Call February 5, 2024 5:00 PM ET Company Participants Michael Marinaccio - Vice President, Corporate Development Joe Lacher - President & Chief Executive Officer Brad Camden - Executive Vice President & Chief Financial Officer Matt Hunton - Executive Vice President & President, Kemper Auto Conference Call Participants Gregory Peters - Raymond James Brian Meredith - UBS Andrew Kligerman - TD Cowen Paul Newsome - Piper Sandler Operator Good afternoon, ladies and gentlemen, and welcome to Kemper's Fourth Quarter 2024 Earnings Conference Call. My name is Constantin, and I will be your coordinator today. seekingalpha.com - 2 months ago
Kemper (KMPR) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates The headline numbers for Kemper (KMPR) give insight into how the company performed in the quarter ended December 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 2 months ago
Kemper (KMPR) Beats Q4 Earnings and Revenue Estimates Kemper (KMPR) came out with quarterly earnings of $1.78 per share, beating the Zacks Consensus Estimate of $1.38 per share. This compares to earnings of $0.78 per share a year ago. zacks.com - 2 months ago
Kemper Reports Fourth Quarter 2024 Operating Results* CHICAGO--(BUSINESS WIRE)--Kemper Corporation (NYSE: KMPR) reported net income of $97.4 million, or $1.51 per diluted share, for the fourth quarter of 2024, compared to net income of $51.4 million, or $0.80 per diluted share, for the fourth quarter of 2023. Adjusted Consolidated Net Operating Income1 was $115.1 million, or $1.78 per diluted share, for the fourth quarter of 2024, compared to Adjusted Consolidated Net Operating Income1 of $50.5 million, or $0.78 per diluted share, for the fourth q. businesswire.com - 2 months ago
Kemper Announces Dividend Increase CHICAGO--(BUSINESS WIRE)--Kemper Corporation (NYSE: KMPR) announced today that its Board of Directors has declared an increase in the company's quarterly dividend to $0.32 per share, an increase of 3.1% or one cent over the previous quarterly dividend. The new annual dividend amount is $1.28 per share, as compared to the current dividend amount of $1.24 per share. “This dividend increase underscores our confidence in achieving consistent, long-term growth for our shareholders,” said Kemper Pres. businesswire.com - 2 months ago
Kemper Announces Schedule for Fourth Quarter 2024 Earnings Release CHICAGO--(BUSINESS WIRE)--Kemper Corporation (NYSE: KMPR) today announced that after the markets close on Wednesday, February 5, Kemper intends to issue its fourth quarter 2024 earnings release and financial supplement. The company expects to file its annual report on Form 10-K with the Securities and Exchange Commission shortly thereafter. Following their publication, these documents will be available in the investor section of kemper.com. Catastrophe Losses – First Quarter 2025 Wildfires Kemp. businesswire.com - 2 months ago
The Kemper Foundation Donates $125,000 to Support California Wildfire Relief for Latino Communities CHICAGO--(BUSINESS WIRE)--The Kemper Foundation announced today a donation of $125,000 to the Latino Community Foundation's (LCF) California Wildfire Relief Fund to support relief and recovery efforts for Latino communities affected by the devastating California wildfires. The donation reflects The Kemper Foundation's ongoing commitment to underserved communities, and the donation aims to address the disproportionate impact of disasters on Latino families and neighborhoods. “The Kemper Foundati. businesswire.com - 2 months ago
Kemper Announces Early Redemption Date of $450 Million of 4.350% Senior Notes Due 2025 CHICAGO--(BUSINESS WIRE)--Kemper Corporation (NYSE: KMPR) announced today that it has delivered to holders of its $450 million of 4.350% Senior Notes due 2025 (the "Notes") notice of the Company's intent to redeem the Notes in full on February 11, 2025 (the "Redemption Date"). The Company expects to make the redemption payment out of available cash. The Notes will be redeemed at a price equal to 100.00% of the principal amount of the Notes, plus accrued and unpaid interest thereon to the Redemp. businesswire.com - 3 months ago
The Kemper Foundation Opens Applications for Read Conmigo School Impact Grants in Miami-Dade and Broward Counties CHICAGO--(BUSINESS WIRE)--The Kemper Foundation, the philanthropic partner of Kemper Corporation (NYSE: KMPR), announced that applications are now open for the new Read Conmigo School Impact Grants. This initiative will support school-wide dual-language (Spanish-English) education programs for bilingual students in Title I elementary schools. Building on the proven success of the Read Conmigo Educator Grants, the School Impact Grants will further empower schools to enhance bilingualism and bili. businesswire.com - 3 months ago
8. Profile Summary

Kemper Corporation KMPR

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COUNTRY US
INDUSTRY Insurance - Property & Casualty
MARKET CAP $ 3.61 B
Dividend Yield 0.47%
Description 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.
Contact 200 East Randolph Street, Chicago, IL, 60601 https://www.kemper.com
IPO Date April 23, 1990
Employees 7400
Officers Mr. Bradley Thomas Camden C.F.A. Executive Vice President & Chief Financial Officer Mr. Charles Tipton Brooks Executive Vice President of Operations & Systems Mr. Michael Anthony Marinaccio Vice President of Corporate Development Mr. Joseph Patrick Lacher Jr. President, Chief Executive Officer & Director Mr. Matthew Andrew Hunton Executive Vice President & President of Kemper Auto Mr. John Michael Boschelli Executive Vice President & Chief Investment Officer Mr. Duane Allen Sanders Executive Vice President and Chief Claims Officer of P&C Mr. James A. Alexander Senior Vice President & Chief Accounting Officer Mr. Carl Thomas Evans Jr. Executive Vice President, General Counsel & Secretary Ms. Barbara Ciesemier Assistant Vice President of Corporate Communications