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Kemper Corporation (KMPR) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Kemper Corporation

KMPRMarket cap $1.54BPrice $26.1

Country🇺🇸United States

SectorFinancials

IndustryInsurance

Sells auto, home, and life insurance to everyday drivers and families, focusing on nonstandard auto coverage for higher-risk customers most insurers avoid. That underserved niche has made Kemper a specialist where competitors see too much risk to bother.

In Bastion Portfolios?

52W Return-45%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)-5%2

Revenue Forecast

Rev CAGR (1y)-9%1

Rev CAGR (3y)-3%1

Rev CAGR (5y)-1%1

Earnings Forecast

EPS Growth Y+1-11%3

EPS Growth Y+2+108%10

EPS Growth Y+3+23%8

Quality

Margins

EBIT Margin1%2

Net Income Margin-11%1

Free Cash Flow Margin9%5

Debt

Net Debt/EBITDA11.61

Efficiency

ROE-19%1

ROA-4%1

Earnings Stability33

GEAR+VERY WEAK7

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)89

P/E Ratio (Forward 3y)510

P/BV0.710

EV Multiples

EV/EBITDA Fwd09

EV/EBIT Fwd09

Yield

Free Cash Flow Yieldna–

Dividend Yield4.9%9

Momentum

Short term

1 month return-7%4

3 month return-11%3

YTD return-34%1

Mid term

Price vs 52wHigh54%2

1 year return-45%1

Long term

3 year return-33%1

5 year return-56%1

Risk Shield

Price Risk

Beta0.67

Volatility43%4

Free Cash Flow

Free Cash Flow Margin9%5

Free Cash Flow Yieldna–

Quality

ROCE0%1

Earnings Stability33

Net Debt/EBITDA11.61

02Growth

Is it actually growing, and how fast?

KMPRKemper

Revenue FY25$4.8B

GROWTH RATING↗

VERY WEAK4 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-5%2

Revenue, next 1Y-9%1

Revenue, next 3Y, CAGR-3%1

Revenue, next 5Y, CAGR-1%1

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-11%3

EPS growth, FY27E+108%10

EPS growth, FY28E+23%8

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 96% of companies worldwide.

Revenue fell 5%/yr over the last 3 years, behind 80% of companies worldwide.2/10

Revenue is set to shrink 3%/yr over the next 3 years, behind most of the market.1/10

Revenue fell 5%/yr over the last 3 years and is set to keep shrinking around 3%/yr.

Over five years revenue is set to shrink 0.9%/yr, behind 90% of companies worldwide.1/10

The company is loss-making, so its revenue growth is not backed by profit yet.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is still shrinking. The one thing to watch: the company is not profitable yet.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY WEAK5 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-7%4

3-month return-11%3

YTD return-34%1

MID & LONG-TERM▾SCORE

% of 52-week high54%2

1-year return-45%1

3-year return-33%1

5-year return-56%1

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Returns sit at the market level over the past month (-7%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-33% over three years and -56% over five), behind 90% of the market.

It's down 45% over the past year, now 46% below its 52-week high. That is lagging the market.

The stock is underperforming over three months (-11%) and so far this year (-34%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Kemper Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

KMPRKemper

Revenue FY25$4.8B

GROWTH RATING↗

VERY WEAK4 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-5%2

Revenue, next 1Y-9%1

Revenue, next 3Y, CAGR-3%1

Revenue, next 5Y, CAGR-1%1

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-11%3

EPS growth, FY27E+108%10

EPS growth, FY28E+23%8

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 96% of companies worldwide.

Revenue fell 5%/yr over the last 3 years, behind 80% of companies worldwide.2/10

Revenue is set to shrink 3%/yr over the next 3 years, behind most of the market.1/10

Revenue fell 5%/yr over the last 3 years and is set to keep shrinking around 3%/yr.

Over five years revenue is set to shrink 0.9%/yr, behind 90% of companies worldwide.1/10

The company is loss-making, so its revenue growth is not backed by profit yet.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is still shrinking. The one thing to watch: the company is not profitable yet.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY WEAK5 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-7%4

3-month return-11%3

YTD return-34%1

MID & LONG-TERM▾SCORE

% of 52-week high54%2

1-year return-45%1

3-year return-33%1

5-year return-56%1

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Returns sit at the market level over the past month (-7%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-33% over three years and -56% over five), behind 90% of the market.

It's down 45% over the past year, now 46% below its 52-week high. That is lagging the market.

The stock is underperforming over three months (-11%) and so far this year (-34%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on Kemper Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community