Kemper Corporation (KMPR) fair value: what the stock is really worth
As of Nov 9, 2026: fair value (intrinsic value) of Kemper Corporation stock $25.01, price $33.15, that is 24.6% below the price, quality 59 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $22.63 – $68.12 · fair‑value band $18.75 – $31.26 · the $33.15 price screens above the $25.01 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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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.
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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.
Stock analysis
Kemper Corporation (KMPR) currently trades at $33.15, while our model-based Fair Value estimate is $25.01, 25% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $32.98 per share, and 0 of the 6 models we run sit above the $33.15 price.
Bear case: the Asset-Based group reads lowest at $8.80, and 6 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $18.75 (bear) to $31.26 (bull), the price of $33.15 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 59/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Kemper Corporation reported revenue of $4.8B in FY2025 versus $5.6B in FY2021, a compound −3.8%/yr. Reported net income was $143M in FY2025.
Key figures
Market cap $2.0B Small · P/S ratio 0.37 · EPS (TTM) $−8.48 · Dividend yield 3.9% · Net margin −10.8% · Return on equity −19.7% · Return on assets (EBIT) −0.6% (5-year average) · Operating margin 3.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 22 out of 100 (medium confidence).
What moves the price
The share trades about 17% below its 52-week high and 46% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −23% fair-value upside, at −25%, KMPR screens richer than that median.
Fair Value models
Bear$18.75Fair Value $25.01Bull$31.26
Price $33.15 · Downside -24.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, 5 officers or directors bought shares worth $367,880, most recently on Aug 13, 2026. Buying cluster
BuyStephen J McAnenaPresident and CEO3,000 shares at $26.50$79,500Aug 13, 2026
BuyGerald LadermanDirector4,000 shares at $26.49$105,960Aug 11, 2026
BuyCarl Thomas Evans Jr.EVP, Sec. & General Counsel1,000 shares at $26.53$26,530Aug 11, 2026
BuyBradley T CamdenEVP and CFO1,000 shares at $26.34$26,340Aug 11, 2026
BuyJason N GorevicDirector5,000 shares at $25.91$129,550Aug 10, 2026
SaleSuzet M McKinneyDirector504 shares at $34.66$17,469Feb 6, 2026
BuyStuart B. ParkerDirector25,000 shares at $36.82$920,500Nov 10, 2025
Plus 6 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+3.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−4.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−1.5%
Start year 2020 (pandemic). Over 10 years: +7.4% a year
Revenue growth 37 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.8%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−16.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−20.2%
Dividend (yield on the price)3.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−20.2% vs 3.3%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.10% → 3%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−15.1%
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
−3.1%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −17.0% a year for the price and −5.3% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (95 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Property & Casualty · 100 stocks
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Kemper Corporation Fair Value". https://www.fairvalue-calculator.com/stock/KMPR
Frequently asked questions
Is Kemper Corporation (KMPR) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $25.01 versus a price of $33.15, about 25% lower (overvalued).
What is the fair value of KMPR?
Our model-based fair value for Kemper Corporation is $25.01 (as of Nov 6, 2026), built from audited fundamentals. The current price: $33.15.
What is the quality score of KMPR?
Kemper Corporation has a Quality Score of 59/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Kemper Corporation (KMPR)?
Our model-based price target is the fair value of $25.01 (as of Nov 6, 2026) from 6 valuation models. Cautious scenario $18.75, optimistic scenario $31.26. It is a calculation from audited fundamentals, not an analyst target.
What is the Kemper Corporation stock forecast for 2026?
Our models put fair value at $25.01, about 25% lower versus a price of $33.15 (overvalued). Cautious scenario $18.75, optimistic scenario $31.26. The calculation is refreshed regularly with new filings.
What is the revenue of Kemper Corporation (KMPR)?
Kemper Corporation reported trailing-twelve-month revenue of about $4.6B (latest available figure, as of Nov 6, 2026).
Does Kemper Corporation pay a dividend?
Kemper Corporation currently shows a dividend yield of 3.86% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Kemper Corporation (KMPR) and when is the ex-dividend date?
Kemper Corporation pays a dividend of $1.28 per share a year, a dividend yield of 3.9%. The last ex-dividend date was Aug 21, 2026. A dividend has been paid every year since at least 1990. The payout ratio is 52.6% of earnings. Free cash flow covers the dividend 7.34 times. Our assessment: Well covered. A low payout and the dividend is fully funded by free cash flow, a comfortable, sustainable dividend.
What growth is priced into Kemper Corporation (KMPR)?
For today's price to be fair in a discounted-cash-flow model, Kemper Corporation would have to grow free cash flow by -15.1 % per year for five years (discount rate 11.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -1.5 % per year. As of Nov 6, 2026.
What discount rate (WACC) does the fair value of KMPR use?
Our models discount Kemper Corporation at 11.4 %: a base by market capitalisation (small), damped by beta 1.06, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Kemper Corporation that is -15.1 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (11.4 %) and the same formula as our fair value.
How much growth has Kemper Corporation (KMPR) delivered so far?
Over the past 5 years revenue at Kemper Corporation grew -1.5 % a year. The price currently implies free-cash-flow growth of -15.1 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Kemper Corporation (KMPR) growing?
The median revenue growth in the sector is +8.7 % a year. That is the yardstick for the growth priced into Kemper Corporation (-15.1 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Kemper Corporation (KMPR)?
The free-cash-flow yield on the price is 28.38 %: that much free cash flow Kemper Corporation produces per unit of market value. When it exceeds the discount rate of our models (11.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Kemper Corporation (KMPR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Kemper Corporation it is $25.01 per share (as of Nov 6, 2026), against a price of $33.15. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Kemper Corporation stock overvalued or undervalued in 2026?
As of Nov 6, 2026, KMPR trades above its calculated fair value: price $33.15, fair value $25.01, a gap of about −25% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of KMPR?
No. The price is what the market pays today ($33.15); the fair value is what the company's own numbers justify ($25.01). For Kemper Corporation the two are $8.14 per share apart. That gap is exactly why we show both numbers side by side.
How much is Kemper Corporation worth?
The market values Kemper Corporation at about $2.0B (market capitalisation, as of Nov 6, 2026). Per share that is $33.15; our models calculate a fair value of $25.01 per share.
What do the bullish and bearish scenarios say about KMPR?
Our models span a range for Kemper Corporation: cautious scenario $18.75, base $25.01, optimistic $31.26 per share (as of Nov 6, 2026, price $33.15). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of KMPR?
The PEG ratio of Kemper Corporation is 0.75 (P/E divided by earnings growth, as of Nov 6, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Kemper Corporation (KMPR)?
Balance-sheet figures for Kemper Corporation (as of Nov 6, 2026): return on equity −19.7%, debt of 0.35 per unit of equity. They feed the Quality Score of 59/100, which measures business quality independently of the share price.
How far is KMPR from its 52-week high?
Kemper Corporation trades at $33.15, about 17% below its 52-week high of $39.93 and 46% above the low of $22.63 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of $25.01 is for.
Which stocks are comparable to Kemper Corporation?
From the same area (Financial Services) we also value Chubb Limited, The Progressive Corporation, The Travelers Companies, Inc, The Allstate Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Kemper Corporation stock attractive at the current price?
The data as of Nov 6, 2026: price $33.15, calculated fair value $25.01 (−25%), Quality Score 59/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of KMPR calculated?
We run Kemper Corporation through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $25.01 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.7% above its aggregate fair value. Kemper Corporation itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Kemper Corporation (KMPR)?
The closing price on Nov 9, 2026 was $33.15. Our model-based fair value is $25.01, about 25% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Kemper Corporation right now?
The price sits above even our optimistic bull case ($31.26). The favourable scenario is already priced in. Solid but not exceptional quality (59/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Kemper Corporation (KMPR) come from?
Earnings per share at Kemper Corporation grew +10.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share +5.4 %, EBIT margin +4.8 %, tax rate +0.4 %, residual (interest, one-offs) −0.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Kemper Corporation
How large is the market capitalisation of Kemper Corporation (KMPR)?
The market capitalisation of Kemper Corporation is $2.0B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Kemper Corporation (KMPR)?
The price-to-sales ratio of Kemper Corporation is 0.37 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Kemper Corporation (KMPR)?
Earnings per share at Kemper Corporation are $−8.48. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Kemper Corporation (KMPR)?
The dividend yield of Kemper Corporation is 3.9%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Kemper Corporation (KMPR)?
The net margin of Kemper Corporation is −10.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Kemper Corporation (KMPR)?
The return on equity (ROE) of Kemper Corporation is −19.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Kemper Corporation (KMPR)?
On an EBIT basis the return on assets of Kemper Corporation is −0.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Kemper Corporation (KMPR)?
The operating margin of Kemper Corporation is 3.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Kemper Corporation (KMPR)?
Revenue at Kemper Corporation is growing −9.1% versus a year earlier (3y avg −4.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Kemper Corporation (KMPR)?
Earnings per share at Kemper Corporation are growing −3.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Kemper Corporation (KMPR) carry?
The net debt of Kemper Corporation is $879M (fiscal year 2025, ≈ 1.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Some data
Nov 6, 2026