Kemper Corporation (KMPR)
Financials · Specialty property & casualty insurance · NYSE
Kemper is a specialized insurer providing non-standard and commercial auto insurance, plus life coverage, to approximately 4.5 million policyholders primarily through independent agents and direct channels.
What Kemper Corporation does
Kemper Corporation is an insurance holding company that provides personal and commercial automobile insurance to consumers in targeted markets, particularly those with non-standard or preferred-risk profiles, as well as life insurance and basic protection products. The company operates approximately 4.5 million policies through two main segments: Specialty Property & Casualty Insurance (focused on personal auto, commercial auto, and fire/contents coverage) and Life Insurance, serving individuals and businesses primarily in the United States through approximately 24,100 agents and brokers.
Themes: Non-standard auto insurance, Specialty property & casualty insurance, Commercial auto insurance, Life insurance and basic protection, Targeted insurance markets
Fundamentals
- Price$27.03 as of 2026-08-21 close
- Market cap$1.6B as of 2026-08-21
- 1-year return-49.4% 2025-08-21 close $53.40 → 2026-08-21 close $27.03
- P/E11.10 as of 2026-08-24
- Net margin-10.8% as of 2026-08-24
- ROE-19.3% as of 2026-08-24
- Debt / equity0.43 as of 2026-08-24
- Revenue growth (YoY)-3.9% as of 2026-08-24
- Revenue CAGR (3y)-4.6% SEC XBRL
- Beta1.05 as of 2026-08-24
- Last reported earnings2026-08-05 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +2.9%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How KMPR compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- net profit marginbottom 10% 538 covered Financials peers, as of 2026-08-24
- operating marginbottom 10% 534 covered Financials peers, as of 2026-08-24
- return on equitybottom 10% 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRbottom 10% 347 covered Financials peers
- indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)top 25% 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, KMPR's dividend was covered by reported results (earnings payout 56%, free-cash-flow payout 14%). This describes past coverage, not a forecast.
- Earnings payout56% dividends / net income
- Free-cash-flow payout14% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How Kemper Corporation looks technically
Kemper Corporation (KMPR) is trading 17.9% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 332 trading days ago — a "death cross", a bearish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 16, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 46, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 9 trading days ago. It is 50.5% below its highest point of the past year.
Trend
8
| Distance from the 200-day | it is trading 17.9% below its 200-day average, the long-term trend line — a long-term downtrend | -17.9% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $27.63 | $27.63 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $32.93 | $32.93 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing high 24 calendar days ago — the swings before that are what the structure reading is measured on | 24 sessions |
| Wave structure | its recent swings can be read as a completed three-part upward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes above 31.2. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave upward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 332 trading days ago — a "death cross", a bearish long-term signal | 332 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 16, below the 25 that marks a real trend) | 16.0 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 46, neither overbought (above 70) nor oversold (below 30) | 46.0 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($25.65 to $29.91) — its "stochastic" reading is 32 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 32.4 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 11 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $54.64 | $54.64 |
|---|---|---|
| From the 52-week high | it is 50.5% below its 52-week high (its highest price of the past year) | -50.5% |
| Above the 52-week low | it is 19.1% above its 52-week low (its lowest price of the past year) | +19.1% |
| Below the 52-week high | it is 50.5% below its highest point of the past year | 50.5% |
| Since a 20-day breakout | it made a new 20-day low about 9 trading days ago | 9 sessions |
| Since a 55-day breakout | it made a new 55-day low about 53 trading days ago | 53 sessions |
| All-time high | its highest closing price on record is $91.97 (set on 2019-04-30) | $91.97 |
| Given back of the 52-week move | over the past year its closes ranged ($22.90 to $54.37), and it has recovered only a small part of its fall from last year’s high — 13% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $42.35 to $43.36. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 13.1% |
| From the all-time high | it is 70.6% below its all-time high | -70.6% |
| Nearest price level | it is trading 0.8% above a support level at $26.82 — a price it turned at three times since 2026-06-16, most recently on 2026-07-23. Since 2024-08-21 it has 1 such level below the current price and 16 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.8% |
| All-time low | its lowest closing price on record is $7.96 (set on 2009-03-09) | $7.96 |
| Above the all-time low | it is 239.6% above its all-time low | +239.6% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 67th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.15 between its high and its low — about 4.3% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.15 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $25.00 and $31.18 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $25.00 – $28.09 – $31.18 |
| Typical daily range (% of price) | its price moves about 4.3% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 4.3% |
| Stretch from the 200-day average | it is trading 5.1 daily ranges below its 200-day average price (17.9% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 5.1 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.84× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a doji | 6 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 6 sessions ago |
|---|
Price gaps
3
| Gap at the open | it opened on 2026-08-21 1.1% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and had not traded back through that level by the close | -1.1% |
|---|---|---|
| Open gap | it gapped 2.6% above the previous close 51 sessions ago and has not traded back through the level it left behind at 22.9 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +2.6% |
| Gap filled | a 2.2% gap up opened on 2026-08-12 has been "filled" 4 sessions ago — price traded back through the level the gap left behind, and it took 3 sessions to close | 4 sessions ago |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 6.2 percentage points (the stock lost 3.9% while the market gained 2.3%) | -6.2% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 12.0 percentage points (the stock lost 8.9% while the market gained 3.1%) | -12.0% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 27.4 percentage points (the stock lost 16.4% while the market gained 11.1%) | -27.4% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 69.9 percentage points (the stock lost 49.4% while the market gained 20.5%) | -69.9% |
Signal agreement
2
| Bullish technical signals | 0 of the 9 technical signals we can compute for it are currently in a bullish state — these describe past price behaviour, not a forecast | 0 of 9 |
|---|---|---|
| Bearish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 2.6% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 3.3% of the share price. | -2.6% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 11% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $30.53 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | -11.5% |
|---|---|---|
| Vs the average paid since it last reported | the price is 1% below the average price paid since it last reported on 2026-08-05 (its 10-Q), so the typical buyer over that stretch is under water. That average is $27.32 — a volume-weighted average of daily closes over 13 sessions, not a true tick-by-tick VWAP. | -1.0% |
Price levels it has turned at before
KMPR last closed at $27.03 on 2026-08-21. Since 2024-08-21 it has turned at 1 price below its last close and 16 above; the nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $26.82 | Support | 0.8% below the last close | turned there three times · 2026-06-16 to 2026-07-23 |
| $30.42 | Resistance | 12.5% above the last close | turned there three times · 2026-02-05 to 2026-07-13 |
| $31.29 | Resistance | 15.7% above the last close | turned there twice · 2026-03-25 to 2026-07-28 |
| $38.29 | Resistance | 41.6% above the last close | turned there twice · 2025-12-08 to 2026-01-20 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part upward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $31.20.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Pulled back from the 12-month high · trendless / choppy (low ADX) · lagging the market · Trading below the Ichimoku cloud · Near a support level (sitting on a price it has bounced off before) | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingHold (2.67 mean, 1=Strong Buy…5=Strong Sell) — 3 analysts
- Mean price target$49.33 range $24.00 – $81.00; median $43.00
Analyst estimates, as of 2026-08-22. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for KMPR
- Consensus EPS estimate$0.5382 next reporting period, as of 2026-08-22
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Adverse outcomes in litigation, investigations, or regulatory proceedings, including those related to business practices in the insurance industry, and uncertainties around regulatory approval of insurance rates, policies, and strategic initiatives","The incidence, frequency and severity of catastrophic events (natural disasters, pandemics, terrorist attacks), insurance claims frequency and severity, and inflation impacts on claims costs, particularly material costs and medical expenses","Cybersecurity and data governance liabilities, cyber incidents, and regulatory requirements related to privacy and data handling, as well as supply chain disruption affecting property claims and availability of labor and materials"]
What changed in the latest 10-Q
AI-assisted comparison of KMPR's 10-Q filed 2026-05-06 against the prior one filed 2025-11-05.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-05-06) reports results for three months ended March 31, 2026 and 2025, whereas older filing (2025-11-05) reported results for three and nine months ended September 30, 2025 and 2024
- Newer filing shows Net Loss of $1.7 million for Q1 2026 vs. Net Income of $99.7 million for Q1 2025
- Newer filing reconciliation table includes row for 'Adjusted Consolidated Net Operating Income' with value of $12.5 million for Mar 31, 2026
- Newer filing includes segment breakdown showing Specialty Property & Casualty Insurance Adjusted Net Operating Income of $0.1 million for Mar 31, 2026 vs. $97.9 million for Mar 31, 2025
- Removed:
- Older filing's reporting of nine months ended September 30, 2025 and 2024 results is not present in newer filing
- Older filing's nine-month reconciliation table data is not included in newer filing
- Reworded:
- Older filing states prior-year reserve development 'has no bearing' on current period performance; newer filing states it 'has minimal bearing' (changed from absolute to qualified statement)
- Older filing references 'the three and nine months ended September 30, 2025 or 2024' in significant non-recurring items sentence; newer filing references 'the three months ended March 31, 2026 or 2025'
- Notes:
- The two filings cover different quarterly periods (Q1 2026/2025 vs. Q3 2024/2025), making direct content comparison limited to structural and explanatory text
- The older filing text appears truncated at 'Non-Core Operations (2' in the reconciliation table, preventing full comparison of that row
Risk Factors
- Added:
- Added reference to year ended December 31, 2025 in the 2025 Annual Report (filed 2026-05-06)
- Added specific language referencing 'International Emergency Economic Power Act' in tariffs discussion (filed 2026-05-06)
- Added phrase 'proposed rate changes' instead of 'recently enacted and proposed rate changes' for Federal Reserve reference (filed 2026-05-06)
- Removed:
- Removed reference to year ended December 31, 2024 in the 2024 Annual Report (filed 2025-11-05)
- Removed phrase 'recently enacted and' from Federal Reserve rate changes language (filed 2025-11-05)
- Removed phrase 'and manage technology' at end of final bullet point (filed 2025-11-05)
- Reworded:
- Changed 'recently enacted and proposed rate changes' to 'proposed rate changes' for Federal Reserve reference (2026-05-06 vs 2025-11-05)
- Expanded tariffs language from 'the impact of tariffs' to 'the impact of tariffs recently imposed by the US Government pursuant to the International Emergency Economic Power Act' (2026-05-06 vs 2025-11-05)
- Notes:
- The newer filing text appears truncated at the end of the final bullet point, preventing full comparison of the 'Factors related to the Company's ability to compete' section
- Page numbers differ between filings (59 vs 73 for Item 1A), likely reflecting overall document length changes
- The older filing text is also truncated at the same location, making full section comparison impossible
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for KMPR — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding KMPR as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 11,353,004
- Reported value $346,947,796
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 5 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
KMPR had 5,137,871 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
KMPR had 8.72% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 6.38 days to cover at the same settlement.
- Reported short interest (shares) 5,137,871
- Short interest (% of shares outstanding) 8.72%
- Prior settlement (shares) 5,167,689
- Reported change -0.58%
- Days to cover (reported) 6.38
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Progressive (PGR)
- Allstate (ALL)
- GEICO (BRK.B)
- State Farm
- National General (Allstate)
- Mercury General (MCY)
- American Financial Group (AFG)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare KMPR vs…
Frequently asked questions
What does Kemper Corporation (KMPR) do?
Kemper Corporation is an insurance holding company that provides personal and commercial automobile insurance to consumers in targeted markets, particularly those with non-standard or preferred-risk profiles, as well as life insurance and basic protection products. The company operates approximately 4.5 million policies through two main segments: Specialty Property & Casualty Insurance (focused on personal auto, commercial auto, and fire/contents coverage) and Life Insurance, serving…
What sector is Kemper Corporation (KMPR) in?
Kemper Corporation (KMPR) is classified in the Financials sector. Its industry is Specialty property & casualty insurance. It trades on NYSE.
Does KMPR pay a dividend?
Yes — Kemper Corporation (KMPR) pays a dividend, with an indicated yield of about 2.91% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are Kemper Corporation's (KMPR) competitors?
Notable peers of Kemper Corporation (KMPR) include Progressive, Allstate, GEICO, State Farm and National General (Allstate). This peer set is informational only — not financial advice.
Is Kemper Corporation (KMPR) overbought or oversold right now?
Kemper Corporation (KMPR) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 46, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on KMPR come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.