Kemper Corporation
KMPRFinancial ServicesNASDAQInsurance - Property & Casualty
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Daily timeframeHeadquartered within the financial services sector, Kemper Corporation focuses on Insurance - Property & Casualty services and products. Kemper Corporation, an insurance holding company, provides insurance products in the United States. Valued at $1.65B, KMPR is a small-cap name in its sector. It operates in two segments, Specialty Property & Casualty Insurance, and Life Insurance.
Market Cap
$1.65B
Beta
1.03
P/E (TTM)
38.92
P/E (Fwd)
6.35
EPS (TTM)
$0.72
EPS (Fwd)
$4.41
ROE
1.1%
ROA
0.5%
Cash
$398.4M
Total Debt
$1.42B
Free CF
$459.7M
52W Change
-54.6%
Annual Financials
Cash vs Debt
Kemper Corporation carries $1.42B in total debt against $398.4M in cash reserves — debt is roughly 3.6x the cash position. Managing this leverage effectively will be important for long-term financial stability. Free cash flow comes in at $459.7M, providing flexibility for reinvestment, buybacks, or dividends. Consistent free cash flow generation is often considered a sign of operational health. ROE of 1.1% points to modest capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 0.5% is on the lower side, which is common in asset-heavy industries. Revenue has pulled back from $5.45B (2022) to $4.78B (2025), a 12% decline worth watching.
As with any equity investment, KMPR carries market risk, sector-specific risk, and company-specific risk that investors should evaluate in the context of their own portfolios. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing KMPR.