KMPR$32.85
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AI KMPR Summary
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Powered by LiveAIOverall Analysis
HoldKemper Corporation shows a mixed investment profile. Fundamentally, the company is recovering with improving profitability, but still carries significant debt. Thematic tailwinds in insurance are present but not exceptionally strong. Technically, the stock is showing bearish signals across multiple timeframes, indicating caution is warranted.
Thematic
Kemper operates within the insurance sector, benefiting from the necessity of its services. However, it faces competition and evolving market dynamics. Specific thematic plays related to technological advancements in insurance (insurtech) or demographic shifts might offer more pronounced tailwinds.
Fundamental
Kemper has demonstrated significant improvement in profitability in recent periods, particularly in Q1 2025 and Q4 2024, with positive EPS surprises. The company has substantial assets and a manageable, though not insignificant, debt load. Revenue has shown a slight decline recently, but net margins have improved.
Technical
The stock is currently trading below its key moving averages across multiple timeframes (1-day, 4-day, 1-week, etc.), indicating a bearish trend. Oscillators like RSI and MACD are also signaling sell conditions, reinforcing the bearish outlook. Support levels are being tested, and a breach could lead to further downside.
| Factor | Score |
|---|---|
| Insurance Market Demand | 75 |
| Insurtech Adoption | 60 |
| Regulatory Landscape | 70 |
| Economic Sensitivity | 65 |
| Factor | Score |
|---|---|
| Valuation | 80 |
| Profitability | 85 |
| Growth | 55 |
| Balance Sheet Health | 65 |
| Cash Flow | 70 |
| Earnings Momentum | 80 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 40 |
| Momentum | 35 |
| Support & Resistance | 50 |
| Volume Confirmation | 60 |
AI Investing Checklist
Powered by LiveAIBullish Points (6)
Consistent Earnings Beats
Kemper Corporation (KMPR) has shown a trend of beating analyst earnings per share (EPS) estimates in most recent quarters (e.g., Q2 2025 estimate 1.49, reported 1.65; Q1 2025 estimate 1.35, reported 1.78), indicating strong operational execution and potentially underappreciated profitability.
Improving Cash Flow
Kemper Corporation reported positive free cash flow of $329.7 million in the latest annual period (2024), a significant improvement from negative free cash flow in the prior two annual periods, suggesting enhanced operational efficiency and cash generation capability.
Bearish Points (8)
Past Profitability Challenges
Kemper Corporation experienced significant net losses in 2022 and 2023 (e.g., -$286.6 million in 2022, -$272.1 million in 2023), indicating historical profitability issues that may persist despite recent improvements.
Declining Revenue Trend
Kemper Corporation has shown a consistent decline in total revenue from $5.61 billion in 2021 to $4.63 billion in 2024, raising concerns about its ability to grow its top line in a competitive market.
Calendar
May 2025
19
Ex-Dividend Date
June 2025
3
Next Dividend Date
August 2025
6
Next Earnings Date
H: $1.59
A: $1.50
L: $1.42
H: 1.26B
A: 1.23B
L: 1.21B
Profile
Kemper Corporation, an insurance holding company, provides insurance products in the United States. The company operates in two segments, Specialty Property & Casualty Insurance, and Life Insurance. 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.
Seasonals
Price Target
82.20 USD
The 39 analysts offering 1 year price forecasts for KMPR have a max estimate of 90.00 and a min estimate of 75.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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