Stocks · Financial Services · Insurance - Property & Casualty
Kemper Corporation KMPR
$25.67 -1.04% Close, Oct 2, 2026 · NYSE · Market cap $1.51B
Weak trendHigh risk
Next earnings report: Nov 4, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $-8.41, down 258.4% year over year.
- Operating margin narrowed to -11.4% from 8.7% a year earlier.
- The diluted share count fell 8.9% in a year, mainly through buybacks.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 19%
- EPS growth (TTM, YoY)Bottom 4%
- FCF growth (TTM, YoY)Bottom 19%
- Revenue growth, 3-year CAGRBottom 4%
- Revenue growth accelerationBottom 26%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 7%
- Gross marginBottom 13%
- Operating marginBottom 7%
- Accruals (lower is better)Top 11%
- Interest coverBottom 4%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 4%
- Free-cash-flow yieldTop 8%
- EBITDA / enterprise valueBottom 3%
- Sales / enterprise valueTop 4%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 5%
- 6-month returnBottom 6%
- 1-year return vs S&P 500Bottom 4%
- Distance from 52-week highBottom 6%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 8%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyBottom 43%
- Upside to consensus price targetTop 16%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 15%
- Maximum drawdown, 3 yearsBottom 8%
- Beta vs S&P 500 (lower is better)Top 44%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 0.6% | -4.1% | ↓ |
| EPS growth (YoY) | -88.6% | -258.4% | ↓ |
| Gross margin | 6.8% | 36.2% | ↑ |
| Operating margin | 8.7% | -11.4% | ↓ |
| FCF margin | 12.7% | 10.4% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -4.1% | 0.6% | ↓ | Bottom 19% |
| EPS growth (TTM, YoY) | -258.4% | -88.6% | ↓ | Bottom 4% |
| Gross margin | 36.2% | 6.8% | ↑ | Bottom 13% |
| Operating margin | -11.4% | 8.7% | ↓ | Bottom 7% |
| Net margin | -10.8% | 7.2% | ↓ | — |
| Free-cash-flow margin | 10.4% | 12.7% | ↓ | — |
| Return on invested capital | -4.2% | — | Bottom 7% | |
| Revenue growth, 3-year CAGR | -4.1% | — | Bottom 4% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -8.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -95.9 pp
- Interest cover (operating income / interest)How many times operating profit covers interest.
- -14.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 6.25%
- Net buyback yield (TTM)
- 17.54%
- Shareholder yield
- 23.79%
- Share count change, 1 year
- -8.9%
- Share count change, 3-year CAGR
- -2.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- -47.0%
- Average 2-day reaction, last 8
- +0.4%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $35.50
- Target vs current price
- +38.3%
- Analysts with a rating
- 12
- Share rating Buy or Strong Buy
- 42%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 5, 2026 | +31.8% | -0.5% | -11.0% | -6.0% | — |
| May 6, 2026 | -74.1% | -0.3% | -6.2% | -30.3% | -13.7% |
| Feb 4, 2026 | -70.6% | +1.1% | -14.7% | -15.3% | -11.6% |
| Nov 5, 2025 | -75.2% | -2.6% | -14.5% | -10.3% | -10.9% |
| Aug 5, 2025 | -14.5% | +1.0% | -16.4% | -10.7% | -24.3% |
| May 7, 2025 | +11.5% | +0.0% | +5.5% | +3.1% | -2.5% |
| Feb 5, 2025 | +29.0% | +3.9% | +1.7% | +0.5% | -10.4% |
| Oct 30, 2024 | +24.6% | +1.0% | +0.0% | +12.7% | +4.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 5, 2026 | $0.45 | $0.34 | +31.8% | $1.09B |
| May 6, 2026 | $0.21 | $0.81 | -74.1% | $1.11B |
| Feb 4, 2026 | $0.25 | $0.85 | -70.6% | $1.13B |
| Nov 5, 2025 | $0.33 | $1.33 | -75.2% | $1.24B |
| Aug 5, 2025 | $1.30 | $1.52 | -14.5% | $1.23B |
| May 7, 2025 | $1.65 | $1.48 | +11.5% | $1.19B |
| Feb 5, 2025 | $1.78 | $1.38 | +29.0% | $1.18B |
| Oct 30, 2024 | $1.62 | $1.30 | +24.6% | $1.18B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (forward) | 12.8× | — | — | — |
| EV / Sales | 0.54× | — | — | Top 4% |
| Free-cash-flow yield | 31.40% | — | — | Top 8% |
| Earnings yield | -32.76% | — | — | Bottom 4% |
P/E over the past five years
Range 11.1× – 60.8× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -49.4%
- Earnings per share growth (TTM)
- -258.4%
- Change in P/E multiple
- +365.5%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -2.4%
- 200-day average slope (20 days)
- -4.1%
- Distance from 50-day average
- -6.5%
- Distance from 200-day average
- -16.8%
- RSI (14)
- 42.6
- Relative volume
- 0.97×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 41.3%
- Volatility vs own 5-year history
- 74th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.65
- Correlation with S&P 500
- 0.28
- Current drawdown from 1-year high
- -49.3%
- Maximum drawdown, 3 years
- -68.2%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Apr 29, 2021 | Jun 3, 2026 | -72.5% | 1279 days | Not yet recovered |
| Jan 6, 2021 | Feb 3, 2021 | -14.8% | 19 days | 24 days (Mar 10, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.51B
- EPS, diluted (TTM)
- -$8.41
- Revenue (TTM)
- $4.57B
- Dividend yield
- 4.99%
- 52-week range
- $22.69 – $51.08
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $5.61B | $5.45B | $4.95B | $4.63B | $4.80B |
| Gross profit | $354.8M | -$211.3M | $1.13B | $589.4M | $1.43B |
| Operating income | -$249.4M | -$371.0M | -$347.1M | $388.5M | $160.7M |
| Net income | -$123.7M | -$286.6M | -$272.1M | $317.8M | $143.3M |
| EPS (diluted) | -$1.88 | -$4.49 | -$4.25 | $4.91 | $2.29 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.17B | $1.18B | $1.19B | $1.23B | $1.24B | $1.14B | $1.11B | $1.09B |
| Net income | $73.7M | $97.4M | $99.7M | $72.6M | -$21.0M | -$8.0M | -$1.7M | -$464.8M |
| EPS (diluted) | $1.14 | $1.51 | $1.54 | $1.12 | -$0.34 | -$0.14 | -$0.03 | -$7.90 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $350.7M | -$210.3M | -$135.3M | $382.9M | $584.5M |
| Capital expenditure | -$57.8M | -$30.8M | -$53.8M | -$53.2M | -$30.6M |
| Free cash flow | $292.9M | -$241.1M | -$189.1M | $329.7M | $553.9M |
| Dividends paid | -$80.6M | -$79.7M | -$80.1M | -$80.1M | -$79.6M |
| Net share buybacks | -$161.7M | $4.9M | $4.3M | -$38.9M | -$298.2M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $352
- Total assets
- $11.93B
- Total liabilities
- $9.75B
- Total debt
- $944.5M
- Net debt
- $944.5M
- Shareholders’ equity
- $2.19B
As of Jun 30, 2026 (filed Aug 5, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 21, 2026 | $0.32 | Sep 4, 2026 |
| May 18, 2026 | $0.32 | Jun 2, 2026 |
| Feb 17, 2026 | $0.32 | Mar 3, 2026 |
| Nov 17, 2025 | $0.32 | Dec 3, 2025 |
| Aug 18, 2025 | $0.32 | Sep 2, 2025 |
| May 19, 2025 | $0.32 | Jun 3, 2025 |
| Feb 18, 2025 | $0.32 | Mar 4, 2025 |
| Nov 18, 2024 | $0.31 | Dec 4, 2024 |
Short interest
- Shares sold short
- 5,237,978
- Days to cover
- 6.65
- Change vs previous report
- -2.6%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Mar 29, 1999
- 2-for-1