KMPR

Based on Kemper Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Kemper Corporation do?

Kemper Corporation is a diversified insurance holding company that underwrites property and casualty, life, and health insurance products in the United States. It serves individuals and businesses through independent agents and brokers, operating across specialty auto, preferred personal lines, and life and health segments.

Does KMPR pay dividends?

Yes, Kemper Corporation pays a regular dividend. This makes it relevant for income-oriented investors, though the sustainability of the payout should be considered alongside the company's current profitability challenges. Investors can verify the current dividend rate on Kemper's investor relations page.

When does KMPR report earnings?

Kemper reports earnings on a quarterly cadence, consistent with standard US-listed company practice. For exact upcoming report dates, check Kemper Corporation's investor relations page or a financial data provider directly.

Is KMPR a good stock to buy?

UQS Score rates KMPR as Below Average, driven by Weak scores across Quality, Moat, and Growth pillars. The Valuation pillar is Attractive and Risk is Neutral, which may interest contrarian or value-focused investors. The complete pillar breakdown is available to UQS Pro members.

Is KMPR overvalued?

Based on the UQS Valuation pillar, KMPR is rated Attractive — meaning the stock does not appear overpriced relative to its fundamentals and sector peers. However, an attractive valuation alone does not offset the Weak Quality and Growth signals that weigh on the overall UQS Score.

How does KMPR compare to its competitors?

Kemper competes in a broad insurance market alongside specialty, regional, and diversified carriers. Relative to peers like Aspen Insurance Holdings and HCI Group, Kemper's diversified US personal lines focus is a differentiator, though its UQS pillar profile currently trails stronger-rated insurers in quality and competitive positioning.

What is KMPR's market cap bracket?

Kemper Corporation is classified as a small-cap company. This places it below the large- and mega-cap insurers that dominate the sector, which can mean greater volatility and less analyst coverage but also potential valuation opportunities for investors willing to accept higher uncertainty.

Who founded Kemper Corporation?

Kemper Corporation was incorporated in 1990 and was formerly known as Unitrin, Inc., changing its name to Kemper Corporation in August 2011. Detailed founding history is publicly available through the company's official filings and investor relations materials.

Is KMPR a long-term quality investment?

As a long-term quality indicator, UQS Score currently rates KMPR as Below Average, with Weak signals across Quality, Moat, and Growth pillars. Long-term investors typically seek companies with durable competitive advantages and consistent earnings power — areas where Kemper faces documented challenges at this time.

What is the main competitive advantage of Kemper Corporation?

Kemper's distribution network of independent agents and its established presence in the nonstandard auto insurance market represent its primary competitive positioning. However, the UQS Moat pillar rates this advantage as Weak, suggesting the company lacks the durable pricing power or switching costs seen among higher-rated insurance peers.

What sector does KMPR belong to?

Kemper Corporation belongs to the Financial Services sector, specifically within the insurance industry. It operates as a property and casualty and life and health insurer, competing in both personal and specialty commercial lines across the United States.

Is KMPR a growth stock or value stock?

Based on UQS pillar labels, KMPR leans toward a value framing — the Valuation pillar is Attractive while the Growth pillar is Weak. This profile is more consistent with a distressed-value or turnaround candidate than a growth-oriented holding, and carries meaningful execution risk.

Kemper Corporation currently shows below-average quality metrics, suggesting challenges with profitability.

Kemper Corporation faces growth headwinds with declining or stagnant revenue trends.

Kemper Corporation has some risk factors including moderate leverage or solvency concerns.

Kemper Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.

Kemper Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for KMPR.

The UQS (Unified Quality Score) for Kemper Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Kemper Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Kemper Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.