Reading the tape
NYSE: KMPR
Kemper Corporation
Financial Services · Insurance - Property & Casualty
Market Cap
$1.97B
52w High
$66.13
52w Low
$28.41
P/E
13.77
Volume
574.53K
Outstanding Shares
58.71M
Price vs Fundamentals
Why The Stock Is Moving
Mixed / unclearLow confidence
Note: The most recent financial data is over 3 months old. Metrics shown may not reflect the latest reporting period.
1Y Price: -45.14%Revenue (TTM): 3.38%FCF (TTM): 44.66%P/FCF: 0th pct
What changed
The stock fell 45.14% over the last year. Revenue grew 3.38% over the trailing twelve months. Operating margin moved from 8.39% to 3.36%. Free cash flow grew 44.66% over the trailing twelve months.
What the market seems to be pricing
The stock has moved lower against modestly improving underlying metrics. The operating data does not yet tell a clear story — the move may reflect sentiment, sector rotation, or macro factors rather than company-specific earnings power.
What would invalidate this read
Operating margin currently stands at 3.36%. A decisive move in revenue — currently up 3.38% — would be the clearest signal to resolve the ambiguity.
Company profile
Kemper Corporation, a diversified insurance holding company, provides property and casualty, and life and health insurance in the United States.
CEOCarl Thomas Evans Jr.
SectorFinancial Services
IndustryInsurance - Property & Casualty
Employees7,400
IPO dateApr 23, 1990
Valuation
Forward P/E—
EV/EBITDA12.41
Enterprise value$3.39B
Price / Book0.73
Stock splits
Mar 29, 1999↑ Forward
Every 1 shares became 2
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Revenue growth-4.02%
Gross margin10.82%▲133.32%vs FY2024
Operating margin3.36%▼60.08%vs FY2024
ROE5.34%▼53.11%vs FY2024
Analyst consensus
RatingBuy
Target price$48.00▲43.07%
5
Buy
5
Hold
2
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
May 6, 2026
Q2 FY26 · EPS est $0.81 · Revenue est $1.17B
View
Dividends
$1.28/shareQuarterlyDividend Achiever · 16yrSafeKMPR pays a dividend with a 3.82% dividend yield, 16 consecutive years of growth, growing at 1.13% annually, covered 7.0× by free cash flow.
Dividend Yield
3.82%
Annual Div / Share
$1.28
5yr CAGR
+1.13%
Doubles every ~61.6yr
Payout Ratio
55.55%
Safe
Dividend Growth Rate
3yr CAGR
+1.06%
5yr CAGR
+1.13%
10yr CAGR
+2.92%
Dividend Safety
9/10Safe
Dividend History
Annualized dividend cycles per share
YearAnnual DivYoY
2025$1.28+2.4%
2024$1.25+0.8%
2023$1.24+0.0%
2022$1.24+0.0%
2021$1.24+2.5%
2020$1.21+12.0%
2019$1.08+11.3%
Income Projection
Invest
$
Growth rate:
Reinvest dividends
Today
$38/yr
$3/mo
In 5 yrs
$40/yr+6%
$3/mo
In 10 yrs
$43/yr+12%
$4/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$38/yr $3/mo | $40/yr+6% $3/mo | $43/yr+12% $4/mo |
Yield-on-cost grows from 3.82% → 4.27% over 10yr
Analysis
Dividend Strengths
Dividend Achiever
KMPR has raised its dividend for 16 consecutive years — qualifying as a Dividend Achiever, demonstrating long-term commitment to shareholder income.
Well-covered by free cash flow
The dividend is covered 7.0× by free cash flow, indicating the company generates sufficient cash to sustain and potentially grow the payout without straining its finances.
Risks to Watch
No strong risk signal stands out from the latest period pair.