Is Kemper (KMPR) overvalued or fairly valued?

MarketChacha shows Kemper's valuation in context — a trailing P/E of about 11.9, a forward P/E of about 6.2, a price-to-book of about 0.6 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Kemper's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (4.41×) from reported figures — education, not a rating.

What is Kemper's revenue?

Kemper reported revenue of $4.8B for FY2025, with net profit of $143.3M, per official filings.

What is the share price of Kemper (KMPR)?

Kemper last traded at $27.23 (-3.2% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

Kemper

KMPR · NYSE · Financials · United States

$27.23-3.2%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 7:30 PM

Snapshot

TickerKMPR

ExchangeNYSE

SectorFinancials

IndustryInsurance - Property & Casualty

CountryUnited States

Employees7,300

HeadquartersChicago, United States

Market cap$1.6B

P/E (TTM)11.9

P/B0.6

Volume518.05K

Websitewww.kemper.com

Filings tracked6

About Kemper

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. 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.

Profile as reported by Yahoo Finance.

Who owns it

Insiders1.1%
Institutions92.6%
Public & other6.4%

375 institutional holders

As reported by Yahoo Finance.

Top holders

Blackrock Inc.12.49%
Fuller & Thaler Asset Management Inc.6.28%
Vanguard Portfolio Management LLC5.64%
Shaw D.E. & Co., Inc.4.51%
Vanguard Capital Management LLC4.47%
Dimensional Fund Advisors LP4.02%
State Street Corporation3.83%
AQR Capital Management, LLC2.16%

Largest institutional holders, as reported by Yahoo Finance (as of 3/31/2026).

Forensic scorecard

Latest ROE of 5.3% is on the low side — the business earns a modest return on shareholder capital.

Cash conversion4.41×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend-5.5% → 3.0%

Margin has expanded by about 8.5 points — the business is getting more profitable.

Return on equity5.3%

Latest ROE of 5.3% is on the low side — the business earns a modest return on shareholder capital.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $1.2B · EPS 0.58

Est. earnings growth +76.5%

Next fiscal year

Rev $4.9B · EPS 4.41

Est. earnings growth +121.5%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

$22.6952-wk range$62.47

Delayed · as reported by Yahoo Finance

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Market cap

$1.6B

Day change

-3.2%

P/E (TTM)

11.9

Fwd P/E

6.2

P/B

0.6

Div yield

4.55%

Beta

1.03

Revenue (FY2025)

$4.8B

Net margin

3.0%

ROE

5.3%

Revenue CAGR (2y)

-1.6%

EPS (FY2025)

2.29

Net profit (FY2025)

$143.3M

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

Ask MarketChacha about KMPR

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$4.8B	$143.3M	2.29	3.0%	5.3%
FY2024	$4.6B	$317.8M	4.91	6.9%	11.4%
FY2023	$4.9B	$-272.1M	-4.25	-5.5%	-10.9%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q1	$1.1B	$-1.7M	-0.03	-0.2%
2025Q3	$1.2B	$-21.0M	-0.34	-1.7%
2025Q2	$1.2B	$72.6M	1.12	5.9%
2025Q1	$1.2B	$99.7M	1.54	8.4%
2024Q3	$1.2B	$73.7M	1.14	6.3%
2024Q2	$1.1B	$75.4M	1.16	6.7%
2024Q1	$1.1B	$71.3M	1.10	6.2%
2023Q3	$1.2B	$-146.3M	-2.28	-12.2%
2023Q2	$1.3B	$-97.1M	-1.52	-7.7%
2023Q1	$1.3B	$-80.1M	-1.25	-6.2%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Executive/director change, Exhibits
SEC7/21/2026material
8-K — Executive/director change, Exhibits
SEC5/27/2026material
8-K — Shareholder vote results, Exhibits
SEC5/7/2026material
8-K — Other events, Exhibits
SEC5/6/2026material
8-K — Results of operations, Exhibits
SEC5/6/2026material
10-Q filing
SEC5/6/2026

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.