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Kemper Corporation (KMPR)

Financial Services | Insurance - Property & Casualty | Chicago, United States | NYSE
27.12 USD -0.58 (-2.094%) ⇩ (Oct. 14, 2026, 9:46 a.m. EDT)
Short-term:★★☆☆☆Long-term:★☆☆☆☆Dividends:★★⯪☆☆
Hot Take ↕ | Oct. 10, 2026, 4:11 a.m. EDT

The investment case here is fractured by a severe disconnect between the balance sheet and the income statement. While the stock trades at a distressed price-to-book of roughly 0.7x, the company is currently generating negative earnings per share and reporting a -10% revenue decline. This is not a classic deep-value opportunity; it is a deteriorating business where the market has correctly priced out the risk of continued operational decay. The trailing run of down years, capped by a recent annual decline, confirms that the market views this as a structural issue rather than a temporary glitch. Despite the gloomy outlook, the 4.66% dividend yield acts as a magnet for desperate capital, yet it is barely sustainable given the negative free cash flow relative to earnings needs and the high payout ratio. The short-term outlook remains muted; while the statistical forecast suggests a slight dip, the options market shows significant hedging activity at lower strikes, implying that a bounce is not guaranteed. Investors should view this as a speculative recovery play at best, but fundamentally, the company lacks the robust growth or margin expansion required to justify a higher valuation multiple.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoARIMA ✓0.030657
AutoTheta0.034686
AutoETS0.054250
MSTL0.056935

Forecast horizon: 45 days | Selected: AutoARIMA

Forecast Reliability
Score 48%
H-stat 0.39
Ljung-Box p 0.000
Jarque-Bera p 0.663
Excess Kurtosis -0.66
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-20
Last Dividend Date 2026-08-20
Debt to Equity Ratio 63.974
Revenue per Share 77.248
Market Cap 1,597,995,904
Forward P/E 6.41
Beta 1.06
Profit Margins -10.79%
Website https://www.kemper.com

As of Oct. 10, 2026, 4:11 a.m. EDT: Speculators are positioning defensively with heavy open interest in out-of-the-money puts at the $20 and $22.50 strikes, suggesting a fear of further downside or a 'pin the price' scenario near current lows. Conversely, call activity is concentrated at the $30 and $35 strikes, indicating a speculative hope for a rebound to test resistance levels, though volume is thin compared to the put positioning.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
1.18% 4.11% 2.81% 2.66%
Dividend History
Date Dividend Yield %
2026-08-21 0.320 1.183870
2026-05-18 0.320 1.060656
2026-02-17 0.320 0.989487
2025-11-17 0.320 0.877433
2025-08-18 0.320 0.605487
2025-05-19 0.320 0.495356
2025-02-18 0.320 0.486248
2024-11-18 0.310 0.439529
2024-08-19 0.310 0.491595
2024-05-10 0.310 0.510288
2024-02-16 0.310 0.517011
2023-11-13 0.310 0.784016
2023-08-11 0.310 0.647723
2023-05-12 0.310 0.701040
2023-02-10 0.310 0.479950
2022-11-14 0.310 0.585016
2022-08-12 0.310 0.651671
2022-05-13 0.310 0.666094
2022-02-11 0.310 0.606416
2021-11-12 0.310 0.505380
2021-08-13 0.310 0.464280
2021-05-14 0.310 0.398458
2021-02-12 0.310 0.408056
2020-11-13 0.300 0.428143
2020-08-14 0.300 0.367602
2020-05-15 0.300 0.516262
2020-02-14 0.300 0.375328
2019-11-15 0.280 0.378532
2019-08-16 0.250 0.332447
2019-05-10 0.250 0.283962
2019-02-15 0.250 0.308794
2018-11-16 0.240 0.315706
2018-08-10 0.240 0.312500
2018-05-11 0.240 0.326087
2018-02-16 0.240 0.407816
2017-11-10 0.240 0.360360
2017-08-10 0.240 0.491300
2017-05-11 0.240 0.637450
2017-02-16 0.240 0.541150
2016-11-09 0.240 0.639148
2016-08-11 0.240 0.646030
2016-05-12 0.240 0.767018
2016-02-11 0.240 1.008403
2015-11-12 0.240 0.597907
2015-08-13 0.240 0.633245
2015-05-14 0.240 0.659522
2015-02-12 0.240 0.654843
2014-11-13 0.240 0.659885
2014-08-14 0.240 0.665373
2014-05-15 0.240 0.702988
2014-02-13 0.240 0.629591
2013-11-07 0.240 0.646726
2013-08-08 0.240 0.683566
2013-05-09 0.240 0.722674
2013-02-14 0.240 0.753532
2012-11-15 0.240 0.848656
2012-08-09 0.240 0.771952
2012-05-10 0.240 0.780488
2012-02-09 0.240 0.842697
2011-11-09 0.240 0.920598
2011-08-10 0.240 1.001252
2011-05-11 0.240 0.808353
2011-02-09 0.240 0.837989
2010-11-09 0.220 0.917431
2010-08-11 0.220 0.908715
2010-05-12 0.220 0.803800
2010-02-10 0.220 0.967884
2009-11-10 0.200 0.900090
2009-08-12 0.200 1.219512
2009-05-13 0.200 1.315789
2009-02-11 0.470 3.376437
2008-11-12 0.470 2.721482
2008-08-13 0.470 2.064119
2008-05-14 0.470 1.247015
2008-02-13 0.470 1.322454
2007-11-14 0.455 1.003529
2007-08-08 0.455 1.052997
2007-05-09 0.455 0.967262
2007-02-14 0.455 0.947522
2006-11-09 0.440 0.931020
2006-08-10 0.440 1.050370
2006-05-11 0.440 0.928270
2006-02-09 0.440 0.953206
2005-11-09 0.425 0.944444
2005-08-11 0.425 0.824762
2005-05-12 0.425 0.911040
2005-02-10 0.425 0.914372
2004-11-10 0.415 0.907104
2004-08-12 0.415 1.023680
2004-05-13 0.415 1.075130
2004-02-11 0.415 0.933633
2003-11-20 0.415 1.118598
2003-08-15 0.415 1.387960
2003-05-15 0.415 1.639021
2003-02-12 0.415 1.680842
2002-11-14 0.415 1.383795
2002-08-08 0.415 1.256814
2002-05-09 0.415 1.042714
2002-02-13 0.415 1.026719
2001-11-15 0.400 1.004773
2001-08-09 0.400 1.066667
2001-05-10 0.400 1.068376
2001-02-14 0.400 1.050903
2000-11-10 0.375 1.252610
2000-08-18 0.375 1.260504
2000-05-12 0.375 1.141770
2000-02-11 0.375 1.083032
1999-11-12 0.350 0.938023
1999-08-13 0.350 0.985915
1999-05-14 0.350 1.007194
1999-02-11 0.350 1.044776
1998-11-06 0.325 0.896552
1998-08-14 0.325 1.043129
1998-05-08 0.325 0.933573
1998-02-12 0.325 0.964750
1997-11-06 0.300 0.912548
1997-08-14 0.300 0.987654
1997-05-09 0.300 1.132075
1997-02-13 0.300 1.140143
1996-11-07 0.275 1.037736
1996-08-09 0.275 1.134021
1996-05-10 0.275 1.168659
1996-02-09 0.275 1.105528
1995-11-10 0.250 1.075269
1995-08-11 0.250 1.030928
1995-05-10 0.250 1.033592
1995-02-08 0.250 1.044386
1994-11-08 0.200 0.898876
1994-08-10 0.200 0.846561
1994-05-11 0.175 0.891720
1994-02-09 0.175 0.845921
1993-11-09 0.175 0.845921
1993-08-04 0.175 0.786517
1993-05-12 0.150 0.650407
1993-02-09 0.150 0.697674
1992-11-04 0.150 0.769231
1992-08-05 0.150 0.816327
1992-05-06 0.125 0.696864
1992-02-05 0.125 0.699301
1991-11-13 0.125 0.746269
1991-08-14 0.125 0.653595
1991-05-15 0.100 0.521173
1991-02-12 0.100 0.563380
1990-11-14 0.100 0.672269
1990-08-15 0.100 0.645161
Additional Data
dividendYield 4.62
exDividendDate 2026-08-21
trailingAnnualDividendRate 1.28
trailingAnnualDividendYield 0.046209384
lastDividendValue 0.32
lastDividendDate 2026-08-21
dividendDate 2026-09-04

Info Dump

Attribute Value
52 Week Change -0.40301722
Address1 200 East Randolph Street
Address2 Suite 3300
All Time High 91.98
All Time Low 7.96
Ask 27.85
Ask Size 200
Audit Risk 1
Average Daily Volume10 Day 817,200
Average Daily Volume3 Month 864,781
Average Volume 864,781
Average Volume10Days 817,200
Beta 1.061
Bid 26.95
Bid Size 200
Board Risk 2
Book Value 37.215
City Chicago
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 5
Country United States
Crypto Tradeable 0
Currency USD
Current Price 27.12
Current Ratio 0.817
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 27.415
Day Low 27.035
Debt To Equity 63.974
Display Name Kemper
Dividend Date 1,788,480,000
Dividend Yield 4.62
Earnings Call Timestamp End 1,786,017,600
Earnings Call Timestamp Start 1,786,017,600
Earnings Timestamp 1,785,960,000
Earnings Timestamp End 1,793,822,400
Earnings Timestamp Start 1,793,822,400
Ebitda 113,500,000
Ebitda Margins 0.02471
Enterprise To Ebitda 23.327
Enterprise To Revenue 0.576
Enterprise Value 2,647,571,456
Eps Current Year 2.04936
Eps Forward 4.22955
Eps Trailing Twelve Months -8.36
Esg Populated 0
Ex Dividend Date 1,787,270,400
Exchange NYQ
Exchange Data Delayed By 20
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 27.0658
Fifty Day Average Change 0.054201126
Fifty Day Average Change Percent 0.002002569
Fifty Two Week Change Percent -40.301723
Fifty Two Week High 49.77
Fifty Two Week High Change -22.65
Fifty Two Week High Change Percent -0.4550934
Fifty Two Week Low 22.69
Fifty Two Week Low Change 4.4300003
Fifty Two Week Low Change Percent 0.1952402
Fifty Two Week Range 22.69 - 49.77
Financial Currency USD
First Trade Date Milliseconds 640,877,400,000
Five Year Avg Dividend Yield 2.45
Float Shares 54,885,150
Forward Eps 4.22955
Forward P E 6.41203
Free Cashflow 220,550,000
Full Exchange Name NYSE
Full Time Employees 7,300
Fullday Change 0.09000015
Fullday Change Percent 0.3259694
Fullday Price 27.12
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.254
Gross Profits 1,166,599,936
Has Pre Post Market Data 1
Held Percent Insiders 0.0124
Held Percent Institutions 0.98189
Implied Shares Outstanding 58,923,154
Industry Insurance - Property & Casualty
Industry Disp Insurance - Property & Casualty
Industry Key insurance-property-casualty
Ir Website http://www.snl.com/IRWebLinkX/corporateprofile.aspx?iid=103308
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,787,270,400
Last Dividend Value 0.32
Last Fiscal Year End 1,767,139,200
Last Split Date 922,665,600
Last Split Factor 2:1
Long Business Summary 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.
Long Name Kemper Corporation
Market us_market
Market Cap 1,597,995,904
Market State REGULAR
Max Age 86,400
Message Board Id finmb_310864
Most Recent Quarter 1,782,777,600
Net Income To Common -495,500,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 1,543,786,634
Number Of Analyst Opinions 3
Open 27.32
Operating Cashflow 434,200,000
Operating Margins 0.030079998
Overall Risk 3
Payout Ratio 1.9103999
Peg Ratio 0.75
Phone 312 661 4600
Previous Close 27.7
Price Eps Current Year 13.233399
Price Hint 2
Price To Book 0.7287384
Price To Sales Trailing12 Months 0.34792742
Profit Margins -0.107880004
Quick Ratio 0.779
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change -0.5799999
Regular Market Change Percent -2.0938625
Regular Market Day High 27.415
Regular Market Day Low 27.035
Regular Market Day Range 27.035 - 27.415
Regular Market Open 27.32
Regular Market Previous Close 27.7
Regular Market Price 27.12
Regular Market Time 1,791,985,564
Regular Market Volume 27,748
Return On Assets 0.00211
Return On Equity -0.19700001
Revenue Growth -0.091
Revenue Per Share 77.248
Sand P52 Week Change 0.17004645
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 4
Shares Outstanding 58,923,154
Shares Percent Shares Out 0.0861
Shares Short 5,072,428
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 5,378,568
Short Name Kemper Corporation
Short Percent Of Float 0.096499994
Short Ratio 5.5
Source Interval 15
State IL
Symbol KMPR
Target High Price 43.0
Target Low Price 24.0
Target Mean Price 36.33333
Target Median Price 42.0
Total Cash 362,000,000
Total Cash Per Share 6.144
Total Debt 1,392,899,968
Total Revenue 4,592,900,096
Tradeable 0
Trailing Annual Dividend Rate 1.28
Trailing Annual Dividend Yield 0.046209384
Trailing Eps -8.36
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 30.3652
Two Hundred Day Average Change -3.2451992
Two Hundred Day Average Change Percent -0.10687231
Type Disp Equity
Volume 27,748
Website https://www.kemper.com
Zip 60,601