Kemper stock
KMPRNYSEKemper Corporation, Financial ServicesISIN US4884011002
35Score 35 out of 100, Weak
Price and trend
74 / 100
Price history
−7.1% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 18% above it.
Since April 2025 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 66).
The price is 16% below its 52-week high. Largest decline in 20 years: 85% (February 2007 to March 2009).
Chart figures for advanced users
- SMA 50$28.73
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$29.54
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)66
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$22.90
- The lowest closing price of the last twelve months.
- Resistance$41.26
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Kemper Corporation belongs to the Insurance (Property & Casualty) industry (United States) and, with a market value of $2.05B, is number 40 of 58 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $4.8B (up 3.6% year on year) and earnings of $143.3M (down 54.9%).
- For fiscal 2026, analysts expect on average revenue of $4.27B (down 11.1%) and adjusted earnings per share of $2.14 (down 39.4%).
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- MEQIRI Score 35 out of 100 (Weak): rank 946 of 976 in Financial Services, median 68.
- Our model puts fair value at $26.40, with the price 32% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Analysts expect strong earnings growthUp 50.4% a year through 2027 (estimates from 4 analysts).
- Reliable dividendNo dividend cut for 17 years.
- Share buybacksShare count down 6% since 2020.
Weaknesses
- Loss-makingLoss of $420.8M over the last 12 months.Fundamentals 35
- Earnings per share fallingDown 18% a year since 2020.Growth 10
- Low return on equityReturn on equity −19.2% over the last 12 months.Profitability 10
Its standout strength is technical analysis, while growth and profitability hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Fundamental quality fluctuates.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among smaller stocks.
From 2016 to 2025, 20 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- weak fundamentals
- high price swings
What lowers it
- low growth grade (crashed less often in the backtest)
Valuation
Valuation signal
Modestly overvaluedIn our model the price counts as cheap below $18.86 and expensive above $44.00 (uncertainty high, based on the price swings of the past year).
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $22.00, at 7.8% it would be $33.00.
Valuation metrics
From the dividend model alone; without earnings there is no industry value.
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue fell 8.5% on the twelve months before. Revenue has stayed largely stable since 2006.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 3%, net 3%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net −10%.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 3 Feb 2027in 83 days
- Last reported
- 9 Nov 2026EPS reported $1.01 (expected $0.81)above expectations
Analyst estimates
Analysts have raised their 2026 earnings estimate by 6.5% since 15 Oct 2026.
- Earnings per share
- $2.14+6.5%
- Revenue
- $4.27B−0.3%
- Earnings per share
- $4.08+0.1%
- Revenue
- $4.16B−0.4%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: −2.6%No numeric guidance; operating results are expected to keep improving and growth only if profitable, alongside an allowance on surplus notes to the reciprocal exchange.
“And as we mentioned earlier, our operating results are improving and we expect further improvement.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 6 Aug 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
5 insiders bought on the open market between 10 Aug 2026 and 13 Aug 2026, $367,880 in total.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Kemper
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 35
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Insurance (Property & Casualty)
The next larger and next smaller companies by market value
- Skyward Specialty Insurance GroupSKWD $2.8B74
- Porch GroupPRCH $2.53B36
- HCI GroupHCI $2.36B80
- Horace Mann EducatorsHMN $2.16B68
- Línea Directa AseguradoraLDA.MC $1.55B76
- Safety Insurance GroupSAFT $1.53B60
- TrupanionTRUP $1.49B52
- Stewart Information ServicesSTC $1.35B47
ETFs that hold Kemper
Held by 15 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.12% | 0.30% | €944.34M |
| iShares S&P SmallCap 600 UCITS ETFIUS3 | 0.12% | 0.30% | €2.28B |
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.08% | 0.30% | €185.82M |
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| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.07% | 0.30% | €4.22B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.07% | 0.30% | €2.17B |
| Invesco Global Buyback Achievers UCITS ETFBBCK | 0.03% | 0.39% | €188.08M |
| State Street SPDR MSCI World Small Cap UCITS ETF (Acc)ZPRS | 0.03% | 0.45% | €1.53B |
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.02% | 0.39% | €1.47B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Weak, published since 7 Nov 2026 (in the score history since 19 Sep 2025)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.