KMPR
Kemper Corporation
KMPR lost money over the past year, so it has no meaningful PE right now. Analysts expect earnings to recover and profitability to improve, though they disagree widely on how much.
KMPR Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Under pressure | |
| N/A | |
| N/A |
KMPR's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like KMPR.
KMPR PE Valuation
KMPR has no meaningful PE right now: it lost money over the past year.
KMPR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Decline | |
| Improving | |
| Limited | |
| Low |
Analysts expect KMPR's earnings to grow and its profitability to improve, but its revenue to decline. However, they disagree widely on these estimates.
KMPR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.58 | — |
| Q3 2026 | -$7.08 | -285% |
| Q2 2026 | -$8.30 | -256% |
| Q1 2026 | $0.72 | -87% |
| Q4 2025 | $2.29 | -53% |
| Q3 2025 | $3.83 | -8.8% |
| Q2 2025 | $5.31 | +581% |
| Q1 2025 | $5.35 | +$7.25 |
| Q4 2024 | $4.91 | +$9.16 |
KMPR has swung to a loss: it lost $7.08 per share over the past year, after a profit the year before.
KMPR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.1B | -12% |
| Q2 2026 | $1.1B | -11% |
| Q1 2026 | $1.1B | -7.2% |
| Q4 2025 | $1.1B | -4.7% |
| Q3 2025 | $1.2B | +5.2% |
| Q2 2025 | $1.2B | +8.5% |
| Q1 2025 | $1.2B | +4.4% |
| Q4 2024 | $1.2B | 0% |
KMPR's revenue has slid since its 2021 peak: $1.1B last quarter, down 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2024 | 11% | +15 points |
| Q2 2024 | 10% | +12 points |
| Q1 2024 | 7.5% | +14 points |
| Q4 2023 | 5.3% | +8.3 points |
| Q3 2023 | -3.3% | 0 points |
| Q2 2023 | -1.9% | +1.8 points |
| Q1 2023 | -6.6% | -0.6 points |
| Q4 2022 | -2.9% | +9.2 points |
KMPR's operating margin was 11% last quarter, up 14 points from the same quarter a year ago, near the top of its range since 2019.
KMPR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $55.7M | -58% |
| Q2 2026 | $19.1M | -77% |
| Q1 2026 | $77.9M | -55% |
| Q4 2025 | $166.2M | +0.5% |
| Q3 2025 | $133.4M | +1.5% |
| Q2 2025 | $82M | +1477% |
| Q1 2025 | $172.3M | +522% |
| Q4 2024 | $165.4M | +$209.8M |
KMPR's free cash flow was $319M over the past year, down 42% from the year before. Free cash flow isn't a meaningful measure for financial services companies like KMPR.
KMPR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.2% | +722K shares |
| 1 year | -3.1% | -1.9M shares |
| 3 years | -7% | -4.5M shares |
| 5 years | -6.3% | -4M shares |
| Available history | -10% | -7M shares |
KMPR has 60M diluted shares, down 3.1% from a year ago, with $51M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | $50.6M |
| Q3 2025 | $218.8M |
| Q2 2025 | $28.5M |
| Q1 2025 | $4M |
| Q4 2024 | $13.9M |
KMPR spent $51M buying back its own shares over the past year, down 81% from the year before.
KMPR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2024 | 3.1x | Elevated |
| Q2 2024 | 4.8x | High |
| Q1 2024 | 9.7x | High |
| Q2 2021 | 4.5x | High |
| Q1 2021 | 1.3x | Healthy |
| Q4 2020 | 1.7x | Healthy |
| Q3 2020 | 1.4x | Healthy |
| Q2 2020 | 0.6x | Very low |
KMPR's net debt is about 3.1 years of its operating earnings (EBITDA), up from 1.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like KMPR.
KMPR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.6 | Neutral |
| Stochastic | 84.4 | Overbought |
KMPR's weekly RSI is 65 (neutral) and its Stochastic is 84 (overbought).
KMPR PE vs Financial Services Sector
| Metric | KMPR | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
KMPR has no meaningful PE right now: it lost money over the past year.
KMPR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $29.6 | 16% above |
| 20 week MA | $28.7 | 20% above |
| 50 week MA | $31.2 | 9.8% above |
| 100 week MA | $44.8 | 23% below |
| 200 week MA | $49.9 | 31% below |
KMPR has bounced recently, but its long-term trend is still down: it's above its 8-, 20- and 50-week averages, but 31% below its 200-week average.
KMPR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $76.7 | $77.2 | +0.6% |
| 2021 | $77.2 | $56.3 | -27% |
| 2022 | $56.3 | $50.5 | -10% |
| 2023 | $50.5 | $48.7 | -3.7% |
| 2024 | $48.7 | $65.2 | +34% |
| 2025 | $65.2 | $40.9 | -37% |
| 2026 YTD | $40.9 | $34.3 | -16% |
KMPR has finished lower in four of the last six years. It's down 16% so far in 2026.