# Kemper Corporation (KMPR) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Insurance. Price $28.04, market value $1.7 billion.

## Valuation
- **P/E (trailing): n/a** (negative earnings). Kemper Corporation reported negative earnings over the last twelve months, so the P/E is not meaningful; use price-to-sales, EV/EBITDA and free-cash-flow yield instead.
- **Price / sales: 0.4×**. Each dollar of revenue is priced at 0.4×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 0.8×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 24.0%** (5-yr avg 4.8%). Free cash flow equals 24.0% of the market value, above its five-year average of 4.8%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.

## Profitability
- **Net margin: 3.0%**. 3.0% of each dollar of sales reaches the bottom line.
- **Return on equity: 5.3%**. 5.3% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: -4.0%**. Each dollar of assets produces -4.0% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 3.3%** (3-yr -4.6%/yr, 5-yr -1.7%/yr). Revenue grew 3.3% over the last year, against -1.7% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): -53.4%** (5-yr -17.9%/yr). Earnings per share fell 53.4%, slower than revenue, so margins compressed.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 4.56%** ($1.28 per share, trailing). Kemper Corporation yields 4.56%, an income-level yield.
- **Payout ratio: 56%** (19% of free cash flow). 56% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 15**. 15 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 1.3%/yr** (1-yr 3.2%). The dividend has grown 1.3% a year over five years.

## Analyst view
- **Analyst consensus: hold** (3 analysts). 3 analysts cover Kemper Corporation; the consensus is hold, with an average price target of $36.33 (+30% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -46.7%** (YTD -29.4%, 3-mo 13.3%). The shares are down 46.7% over twelve months including dividends.
- **From 52-week high: -48.2%** (23.6% above the low). Trading 48% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 51**. An RSI of 51 is neutral.
- **Beta (1 yr): 0.21** (volatility 41%). Beta of 0.21 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=KMPR · Page: https://foliofundamentals.com/stocks/kmpr

Not investment advice.