Kemper Corporation (KMPR) Stock Analysis
Recovery setup
Financial Services · Insurance - Property & Casualty
Sell if holding. Engine safety override at $25.93: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 4.3/10 and A.R:R 5.4:1 is above the 1.5:1 BUY gate. Specifically: Elevated put/call ratio: 4.50; Below-average business quality; Below long-term trend.
Kemper Corporation underwrites specialty personal and commercial automobile insurance through its Specialty P&C segment (89% of premiums in 2025) and individual life and supplemental health insurance via its Life Insurance segment, operating solely in the United States. The... Read more
Sell if holding. Engine safety override at $25.93: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 4.3/10 and A.R:R 5.4:1 is above the 1.5:1 BUY gate. Specifically: Elevated put/call ratio: 4.50; Below-average business quality; Below long-term trend. Chart setup: Death cross but MACD improving, RSI 49. Score 4.3/10, moderate confidence.
Passes 7/10 gates (positive momentum, favorable risk/reward ratio, clean insider activity, news events none recent, earnings proximity 50d clear, semi cycle peak clear, materials cycle peak clear). Fails on finsvc regional cliff hard block. Suitability: aggressive.
About Kemper Corporation
About Kemper Corporation
Kemper Corporation wrote $4.0 billion in total property and casualty net written premiums in 2025, with approximately $12.5 billion in assets and over 4.5 million policies in force. California and Florida together represented 82% of the company's total personal automobile insurance gross written premiums that year, with the Specialty P&C segment — which contributed $3.95 billion and 89% of consolidated insurance premiums — concentrated in just three states.
Kemper earns premiums primarily through specialty personal automobile insurance targeting non-standard risk drivers — those with poor driving records, claims history, or payment challenges — plus commercial automobile coverage for contractors, short-haul delivery, and sales/service operators. The Specialty P&C segment distributes products through approximately 17,800 independent agents and brokers as well as direct-to-consumer and captive channels across 22 states. The Life Insurance segment, based in St. Louis, Missouri, sells individual life and supplemental accident and health insurance through nearly 2,200 career agents in 26 states; average policy premiums run approximately $30 per month with a face value of $6,513, and earned premiums represented 9% of consolidated insurance premiums in 2025. Catastrophe reinsurance covering $110 million in excess of $50 million per individual event is purchased annually from reinsurers rated A- or better by A.M. Best.
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The 82% concentration of personal auto gross written premiums in California and Florida subjects Kemper to single-state regulatory risk. California restricts insurers' ability to increase premium rates on a timely basis, which the 10-K notes has produced pricing inadequacies with material impact on operating results in recent periods. Florida's 2023 PIP coverage changes reduced certain loss costs, providing a partial offset, but both states impose limits on after-tax underwriting returns. In May 2026, Kemper disclosed via Form 8-K the appointment of Stephen J. McAnena as permanent President and CEO effective June 1, 2026, ending the interim CEO arrangement.
See also: Financial Services · Insurance - Property & Casualty
From Kemper Corporation's most recent 10-K filing, extracted June 11, 2026.
Recent developments
updated 2026-06-17Recent Developments — Kemper Corporation
Material events (past 30 days)
- 8K May 27, 2026 MEDIUM Item 5.02: Stephen J. McAnena appointed President and CEO effective June 1, 2026. Interim CEO C. Thomas Evans Jr. returns to EVP, Secretary, and General Counsel. No reason cited for succession timing; successor named.
Latest news
- NEWS Kemper To Appoint Stephen J. McAnena To President And CEO Positions Effective June 1 — benzinga May 27, 2026 neutral
- NEWS Nasdaq 100 Hits Record Above 30,000 On Micron's 18% Rally: Stock Market Today — benzinga May 26, 2026 positive
- NEWS UBS Maintains Buy on Kemper, Lowers Price Target to $44 — benzinga May 11, 2026 neutral
- NEWS Piper Sandler Maintains Underweight on Kemper, Lowers Price Target to $28 — benzinga May 7, 2026 negative
- NEWS Transcript: Kemper Q1 2026 Earnings Conference Call — benzinga May 6, 2026 neutral
Generated 2026-06-17T09:02:27Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHGeographicCalifornia and Florida82%10-K Item 1A: 'California and Florida represented 82% of the Company's total personal automobile insurance gross written premiums in 2025'
- HIGHProductSpecialty P&C Insurance89%10-K Item 1: 'The segment's insurance products accounted for 89%, 85% and 80% of the Company's consolidated insurance premiums in 2025, 2024 and 2023'
Material Events(8-K, last 90d)
- 2026-05-27Item 5.02MEDIUMStephen J. McAnena appointed President and CEO effective June 1, 2026. Interim CEO C. Thomas Evans Jr. returns to EVP, Secretary, and General Counsel. No reason cited for succession timing; successor named.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
5 floor-breakers
Revenue shrinking — -7.1% YoY. Growth thesis broken unless recovery story develops.static
Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static
Quality below the gate floor. Component breakdown shows what dragged the score down.static
No near-term catalyst priced in. Thesis progression will come from fundamentals grinding, not event reaction.static
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Engine safety override at $25.93: a dimension score below its floor triggers a hard block regardless of the otherwise-positive setup — overall score 4.3/10 and A.R:R 5.4:1 is above the 1.5:1 BUY gate. Specifically: Elevated put/call ratio: 4.50; Below-average business quality; Below long-term trend. Chart setup: Death cross but MACD improving, RSI 49. Prior stop was $24.11. Score 4.3/10, moderate confidence.
Take-profit target: $43.35 (+67.2% upside). Prior stop was $24.11. Stop-loss: $24.11.
Single-region cliff: 82% exposure to California and Florida (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: California and Florida (82.0%); Concentration risk — Product: Specialty P&C Insurance (89.0%).
Kemper Corporation trades at a P/E of 35.5 (forward 5.6). TrendMatrix value score: 8.1/10. Verdict: Sell.
12 analysts cover KMPR with a consensus score of 2.5/5. Average price target: $51.
What does Kemper Corporation do?Kemper Corporation underwrites specialty personal and commercial automobile insurance through its Specialty P&C segment...
Kemper Corporation underwrites specialty personal and commercial automobile insurance through its Specialty P&C segment (89% of premiums in 2025) and individual life and supplemental health insurance via its Life Insurance segment, operating solely in the United States. The company generated $4.0 billion in total P&C net written premiums in 2025, distributed through roughly 24,100 agents and brokers serving over 4.5 million policies.