📊 KMPB Key Takeaways
Is KMPB a Good Investment? Thesis Analysis
Kemper generates robust free cash flow of $553.9M with manageable leverage, but fundamental profitability metrics remain weak with 3.0% net margin and 5.3% ROE. The concerning 53.4% YoY EPS decline despite 8.1% net income growth signals significant shareholder dilution that undermines earnings quality.
Why Buy KMPB? Key Strengths
- Strong free cash flow generation of $553.9M with 11.6% FCF margin demonstrates operational efficiency
- Net income growth of 8.1% YoY outpacing revenue growth of 3.3% shows operational improvement
- Conservative leverage with 0.35x debt-to-equity ratio and 4.2x interest coverage ratio
- Consistent profitability with 3% net margin stable for insurance sector
KMPB Investment Risks to Consider
- Severe 53.4% EPS dilution YoY indicates substantial share issuance undermining shareholder value
- Weak profitability with 3.0% net margin and 5.3% ROE below historical and peer benchmarks
- Low cash-to-asset ratio of 1% ($124.3M on $12.5B assets) limits financial flexibility
- Thin 3.4% operating margin compressed by competitive insurance pricing and claims activity
Key Metrics to Watch
- Quarterly EPS progression and sources of dilution or one-time charges
- Net profit margin trend and combined ratio improvements in underwriting
- Free cash flow sustainability and dividend policy given dilution
- Return on equity trajectory toward 10%+ normalized range
KMPB Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
KMPB Profitability Ratios
KMPB vs Finance Sector
How KEMPER Corp compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is KMPB Overvalued or Undervalued?
Based on fundamental analysis, KEMPER Corp has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
KMPB Balance Sheet & Liquidity
KMPB 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: KEMPER Corp's revenue has declined by 15% over the 5-year period, indicating business contraction. The most recent EPS of $-4.25 indicates the company is currently unprofitable.
KMPB Growth Metrics (YoY)
KMPB Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $1.2B | -$21.0M | $-0.34 |
| Q2 2025 | $1.1B | $72.6M | $1.12 |
| Q1 2025 | $1.1B | $71.3M | $1.10 |
| Q3 2024 | $1.2B | $73.7M | $1.14 |
| Q2 2024 | $1.1B | $75.4M | $1.16 |
| Q1 2024 | $1.1B | $71.3M | $1.10 |
| Q3 2023 | $1.2B | -$74.8M | $-1.17 |
| Q2 2023 | $1.3B | -$72.2M | $-1.13 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
KMPB Capital Allocation
KMPB SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for KEMPER Corp (CIK: 0000860748)
📋 Recent SEC Filings
❓ Frequently Asked Questions about KMPB
What is the AI rating for KMPB?
KEMPER Corp (KMPB) has an AI rating of HOLD with 68% confidence, based on fundamental analysis of SEC EDGAR filings.
What are KMPB's key strengths?
Claude: Strong free cash flow generation of $553.9M with 11.6% FCF margin demonstrates operational efficiency. Net income growth of 8.1% YoY outpacing revenue growth of 3.3% shows operational improvement.
What are the risks of investing in KMPB?
Claude: Severe 53.4% EPS dilution YoY indicates substantial share issuance undermining shareholder value. Weak profitability with 3.0% net margin and 5.3% ROE below historical and peer benchmarks.
What is KMPB's revenue and growth?
KEMPER Corp reported revenue of $4.8B.
Does KMPB pay dividends?
KEMPER Corp pays dividends, with $79.6M distributed to shareholders in the trailing twelve months.
Where can I find KMPB SEC filings?
Official SEC filings for KEMPER Corp (CIK: 0000860748) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is KMPB's EPS?
KEMPER Corp has a diluted EPS of $2.29.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is KMPB a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, KEMPER Corp has a HOLD rating with 68% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is KMPB stock overvalued or undervalued?
Valuation metrics for KMPB: ROE of 5.3% (sector avg: 12%), net margin of 3.0% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy KMPB stock in 2026?
Our dual AI analysis gives KEMPER Corp a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is KMPB's free cash flow?
KEMPER Corp's operating cash flow is $584.5M, with capital expenditures of $30.6M. FCF margin is 11.6%.
How does KMPB compare to other Finance stocks?
Vs Finance sector averages: Net margin 3.0% (avg: 25%), ROE 5.3% (avg: 12%), current ratio N/A (avg: 1.2).