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Sells non-standard (higher-risk) personal auto insurance plus life and health insurance products.
Sells non-standard (higher-risk) personal auto insurance plus life and health insurance products.
Collects premiums up front and pays claims later, so profit depends on pricing policies to cover claims and costs, tracked by the combined ratio (claims plus expenses against premiums), with investment income earned on the premiums held in the meantime. Non-standard auto, for drivers other insurers decline or price high, is the largest line.
Moat: narrow (process know-how, distribution). Underwriting expertise in higher-risk auto segments is harder for standard-market insurers to replicate profitably.
Headquarters: Chicago, Illinois, US · Employees: 7,400
Size Kemper (KMPR) is a United States Financials company (Property/Casualty Insurance) with a market value of $1.97B, the 1801st largest of 3,117 United States companies the cockpit tracks. Shares closed at $33.39 on 6 Nov 2026.
Performance Over six months the shares gained 10.2%, against +19.6% for the median peer and -1.1% for the United States market (cap-weighted) — 6th lowest of 20 in its peer set.
Growth Revenue fell 3.9% over the last twelve months (peer median +11.8%); the operating margin is 1.1% (peer median 21.1%).
Valuation It trades at 0.90× book value against a peer median of 1.82× (2nd cheapest of 21).
Price implies The share price implies a return on equity of about 9.4%; Kemper delivers -19.3%, so the price asks more than the business earns today.
Credit Kemper has 2 bonds outstanding ($800M), rated BBB- by the agencies and trading like BB+ at a weighted spread of 164 bp.
Short interest Short interest is 9.0% of the free float (15 Oct 2026).
Next results Next results expected around 9 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $4.60B | $4.80B | $4.64B | $4.95B | $5.55B |
| Revenue growth | — | +3% | -6% | -11% | — |
| Net income | -$496M | $143M | $318M | -$272M | -$287M |
| Free cash flow | $371M | $554M | $330M | -$189M | -$241M |
| Capital expenditure | $37.6M | $30.6M | $53.2M | $53.8M | $30.8M |
| Total debt | $944M | $1.00B | $1.44B | $1.45B | $1.46B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Kemper KMPR | $1.97B | +10% | -4% | -19% | 0.90× | 9.4% |
| Progressive PGR | $132B | +17% | +8% | 33% | 3.82× | 15.8% |
| Root ROOT | $672M | -23% | +15% | 15% | 2.05× | 37.6% |
| Allstate ALL | $64.4B | +20% | +6% | 46% | 2.04× | 9.9% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | KMPR | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +21.6% | -0.1% | highest of 21 |
| 6-month return | +10.2% | +19.6% | 6th lowest of 20 |
| Return on equity | -19.3% | 21.8% | 2nd lowest of 20 |
| Price / book | 0.90× | 1.82× | 2nd cheapest of 21 |
| ROE the price implies | 9.4% | 12.7% | 9th least demanding of 20 |
| ROE delivered | -19.3% | 21.8% | 2nd lowest of 18 |
| Bond spread | 164 bp | 127 bp | 2nd widest of 5 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Kemper KMPR | United States | $1.97B | +10% | -4% | -19% | 0.90× | 9.4% | -19.3% |
| Horace Mann Educators HMN | United States | $2.16B | +20% | +4% | 12% | 1.46× | 7.9% | n/a |
| Lancashire LRE.L | United Kingdom | $2.24B | +18% | -2% | 22% | 1.49× | 12.7% | 21.8% |
| Porch PRCH | United States | $2.26B | +80% | +20% | n/a | 345.11× | 5,821.2% | n/a |
| Hyundai M&F INS 001450.KS | South Korea | $2.29B | +38% | -5% | 21% | 0.51× | 4.2% | 21.0% |
| HCI HCI | United States | $2.31B | +22% | +23% | 34% | 2.15× | 17.3% | 33.8% |
| Safety Insurance SAFT | United States | $1.53B | +46% | +7% | 8% | 1.75× | 8.9% | 7.8% |
| Shinkong Insurance 2850.TW | Taiwan | $1.51B | +21% | +22% | 24% | 2.27× | 6.6% | 24.0% |
| Zenkoku Hosho 7164.T | Japan | $2.69B | +1% | +2% | 14% | 1.74× | 6.2% | 14.1% |
| NMI NMIH | United States | $2.94B | 0% | +8% | 15% | 1.10× | 7.9% | 15.4% |
| Universal Insurance UVE | United States | $1.29B | +19% | +6% | 41% | 2.00× | 13.1% | 40.8% |
| SiriusPoint SPNT | United States | $3.06B | +12% | +23% | 23% | 1.34× | 9.5% | 23.1% |
| United Fire UFCS | United States | $1.23B | -1% | +11% | 15% | 1.31× | 9.0% | 14.9% |
| Ategrity Specialty Insurance ASIC | United States | $1.16B | +23% | +30% | 16% | 1.89× | 9.3% | 15.8% |
| Heritage Insurance HRTG | United States | $984M | +48% | +2% | 42% | 1.64× | 14.1% | 41.7% |
| Palomar PLMR | United States | $4.10B | +37% | +60% | 22% | 4.16× | 17.0% | 22.2% |
| Hippo HIPO | United States | $929M | +28% | +21% | 7% | 1.98× | 22.6% | 7.2% |
| Protector Forsikring PROT.OL | Norway | $4.19B | +4% | +12% | 35% | 5.34× | 18.1% | 35.2% |
| Accelerant ARX | United States | $4.32B | +19% | +55% | -380% | 6.01× | 23.2% | -380.1% |
| Orion180 Insurance OIG | United States | $888M | n/a | +38% | 77% | 73.37× | n/a | n/a |
| Mercury General MCY | United States | $4.58B | -17% | +5% | 26% | 1.63× | 13.7% | 25.5% |
Kemper has 2 bonds outstanding with $800M face value. The agencies rate it BBB-; its bonds trade like BB+. Weighted yield 6.32%, a spread of 164 bp over government bonds.