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Kemper is an insurance holding company that offers complementary insurance products, through its subsidiaries, including personal and commercial automobile insurance to consumers in targeted markets and industries. Kemper also offers life and other insurance solutions to customers who desire basic protection for themselves and their families.
$24.29
+$0.13 (+0.52%)
EOD Jul 17, 2026
Net margin is thin at 2.99%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue growth slowed to 3.3%, essentially flat. This is a business that needs a catalyst.
At 34x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles. Net income declined 55% YoY, profitability momentum has weakened.
33.7x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$4.70B
▲ +3.3% YoY
Net Income (TTM)
$42M
▼ -54.9% YoY
Net Margin
0.89%
P/E
33.7x
Balance Sheet
Total Assets
$12.41B
Equity
$2.65B
Total Debt
$944M
Cash & Equiv.
$389M
5Y CAGR: -1.7%
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At a P/E of 33.7 and a price-to-free-cash-flow of 3.1, KEMPER (KMPB) trades below a two-stage DCF intrinsic value of about $202.39 per share, so at $24.29 the stock looks undervalued (733.2% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, KEMPER scores 65/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 5.4%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $202.39 per share for KMPB, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $151.79. At today's $24.29, that puts the stock about 733.2% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
KEMPER scores 65 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, KEMPER pays a regular dividend of about $1.32 per share per year (typically in quarterly installments), a yield of roughly 5.4% at the current price. That is a payout ratio of about 185.4% of earnings, so the dividend is stretched at this level. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For KMPB's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. KMPB currently trades below its estimated intrinsic value and scores 65/100 on quality (solid). It also yields about 5.4%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.