Kemper Corporation (KMPR) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Kemper Corporation stock (KMPR) is currently trading at $30.89. Kemper Corporation PE ratio is 12.97. Kemper Corporation PS ratio (Price-to-Sales) is 0.36. Analyst consensus price target for KMPR is $57.33. WallStSmart rates KMPR as Underperform.
- KMPR PE ratio analysis and historical PE chart
- KMPR PS ratio (Price-to-Sales) history and trend
- KMPR intrinsic value — DCF, Graham Number, EPV models
- KMPR stock price prediction 2025 2026 2027 2028 2029 2030
- KMPR fair value vs current price
- KMPR insider transactions and insider buying
- Is KMPR undervalued or overvalued?
- Kemper Corporation financial analysis — revenue, earnings, cash flow
- KMPR Piotroski F-Score and Altman Z-Score
- KMPR analyst price target and Smart Rating
Kemper Corporation
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KMPR Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Kemper Corporation (KMPR)
KMPR trades 108% above its Graham fair value of $15.57, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Kemper Corporation (KMPR) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, price/sales, price/book. Concerns around return on equity and operating margin. Fundamentals are solid but monitor weak areas for improvement.
Kemper Corporation (KMPR) Key Strengths (4)
Growing significantly faster than its price suggests
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
89.55% of shares held by major funds and institutions
Supporting Valuation Data
Kemper Corporation (KMPR) Areas to Watch (6)
Revenue declining -4.70%, a shrinking business
Earnings declining -3.40%, profits shrinking
Very low returns on shareholder equity
Near-zero operating margins, business under pressure
Very thin margins, barely profitable
Small-cap company with higher risk but more growth potential
Kemper Corporation (KMPR) Detailed Analysis Report
Overall Assessment
This company scores 50/100 in our Smart Analysis, earning a C- grade. Out of 10 metrics analyzed, 4 register as strengths (avg 10.0/10) while 6 fall into concern territory (avg 1.5/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Price/Sales, Price/Book. Valuation metrics including PEG Ratio (0.75), Price/Sales (0.36), Price/Book (0.65) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, Return on Equity. Growth concerns include Revenue Growth at -4.70%, EPS Growth at -3.40%, which may limit upside. Profitability pressure is visible in Return on Equity at 4.86%, Operating Margin at 2.94%, Profit Margin at 2.99%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 4.86% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -4.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (PEG Ratio, Price/Sales) and negatives (Revenue Growth, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
KMPR Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
KMPR's Price-to-Sales ratio of 0.36x trades at a deep discount to its historical average of 0.83x (5th percentile). The current valuation is 80% below its historical high of 1.79x set in Aug 2018, and 58% above its historical low of 0.23x in Feb 2009.
Compare KMPR with Competitors
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Data-driven financial summary for Kemper Corporation (KMPR) · FINANCIAL SERVICES › INSURANCE - PROPERTY & CASUALTY
The Big Picture
Kemper Corporation faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 4.8B with 470% decline year-over-year. Profit margins are strong at 299.0%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 486.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 299.0% and operating margin of 294.0% demonstrate strong pricing power and operational efficiency.
Revenue contracted 470% YoY. Worth determining whether this is cyclical or structural.
What to Watch Next
Dividend sustainability with a current yield of 435.0%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 944M is significantly higher than cash (126M). Monitor refinancing risk.
Sector dynamics: monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive moves, and regulatory changes that could impact Kemper Corporation.
Bottom Line
Kemper Corporation faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(40 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 8:28:30 AM
About Kemper Corporation(KMPR)
NYSE
FINANCIAL SERVICES
INSURANCE - PROPERTY & CASUALT...
USA
Kemper Corporation, a diversified insurance holding company, offers property and casualty and life and health insurance in the United States. The company is headquartered in Chicago, Illinois.