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Kemper Corporation (KMPR) — RQD Stock Rating Cockpit

$32.57 +10.48% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

Kemper Corporation (KMPR) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $1.92B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+4.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for KMPR)Realized 20D OHLCV Swing Band: ±7.8%

RSI-14 MOMENTUMOVERBOUGHT (>70)

75.230 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE44% OF RANGE

L: $23$32.57H: $45

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 29 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on KMPR

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (60)

5.3% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (70)

29/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like KMPR

✓Big institutional funds and options desks are actively positioning on the bullish side.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (KMPR Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

KMPR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -3.32%▲ RESISTANCE BREAKOUT

2026-10-30O $32.99H $33.23L $32.14C $32.57VOL 1.00M

RES: $31.55SUP: $24.22SMA50: $27.66SMA200: $29.71

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

KMPR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 KMPR Butterfly Map → + Track KMPR →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

4.8%/yr Implied 5Y Growth

vs. +3.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on KMPR today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for KMPR. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for KMPR today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (KMPR)

Financials Rank #247 of 1096 ⚔️ HMN vs KMPR Full Matrix →

1. Head-to-Head Financials Peer Comparison (KMPR vs. HMN, PLGO, SAFT, HCI)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Kemper Corporation (KMPR) ranks #247 by composite RQD confidence (67/100, grade C+) and #432 by equity capitalization ($1.92B). Within this direct 5-issuer industry benchmark cohort, HCI leads on earnings valuation at 7.7x trailing P/E, while HCI leads on capital efficiency and profitability with 30.8% ROIC and — gross margin. HCI currently holds the highest overall quantitative score in the immediate peer group at 76/100 (B+) compared with KMPR at 67/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
KMPR ACTIVE Kemper Corporation	C+	67/100	13.4x	—	5.3%	+10.48%	$1.92B	Benchmark Subject
HMN Horace Mann Educators Corporation	C-	61/100	11.6x	—	10.9%	+1.79%	$1.89B	/hmn-vs-kmpr →
PLGO Pelagos Insurance Capital Limited	D	44/100	—	—	—	+1.91%	$2.26B	/plgo-vs-kmpr →
SAFT Safety Insurance Group Inc.	C	64/100	15.4x	—	11.1%	0.00%	$1.53B	/saft-vs-kmpr →
HCI HCI Group Inc.	B+	76/100	7.7x	—	30.8%	+1.53%	$2.47B	/hci-vs-kmpr →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000860748

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Kemper Corporation (KMPR) reported GAAP revenue of $4.79B (+3.3% vs. FY2024 revenue of $4.64B , and -3.1% cumulative change since FY2023) , GAAP net income of $143.3M, operating cash flow of $584.5M, and free cash flow of $584.5M (+52.7% YoY). On the balance sheet, KMPR closed FY2025 with $12.47B in total assets against $943.5M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$4.79B	$143.3M	$584.5M	$584.5M	$12.47B	$943.5M
FY2024 (FY)	2024-12-31	$4.64B	$317.8M	$382.9M	$382.9M	$12.63B	$941.7M
FY2023 (FY)	2023-12-31	$4.94B	-$272.1M	-$134.2M	-$134.2M	—	—

3. KMPR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is KMPR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Kemper Corporation (NYSE: KMPR) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $32.57 (+10.48% 1D, market cap $1.92B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 16/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, KMPR ranks #247 in composite RQD confidence.

How does KMPR compare to HMN and PLGO in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), KMPR carries a Roarable C+ (67/100 RQD), trailing P/E of 13.4x, gross margin of —, and ROIC of 5.3%. By comparison, HMN (Horace Mann Educators Corporation) holds a C- grade (61/100 RQD, P/E 11.6x, ROIC 10.9%, cap $1.89B) and PLGO (Pelagos Insurance Capital Limited) posts a D grade (44/100 RQD, P/E N/A, ROIC —, cap $2.26B). Among the 5-stock peer group, HCI leads on earnings multiple (7.7x) while HCI leads on capital efficiency (30.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for KMPR?

Per KMPR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000860748), Kemper Corporation generated $4.79B in revenue (+3.3% YoY), $143.3M in net income, and $584.5M in free cash flow against $12.47B in total assets and $943.5M in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is KMPR trading relative to its 50-day, 200-day, and 52-week technical levels?

KMPR last traded at $32.57 (+10.48% on volume of 1,033,555 shares), positioning the stock +17.75% above its 50-day simple moving average ($27.66) and +9.63% above its 200-day simple moving average ($29.71). Across its 52-week range of $22.69 to $44.92, KMPR sits at the 44.4% percentile with a 14-day RSI of 75.2 (OVERBOUGHT (>70)) and an implied next-earnings move of ±7.8% ($30.03 to $35.11).

KMPR Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell KMPR stock right now?

Kemper Corporation (KMPR) currently earns a Roarable Rating of C+ (Hold — HOLD) with 67/100 RQD Confidence. Solid steady margins (5% return on capital), mixed timing at 13x P/E—hold if owned, no rush to chase.

What is KMPR's 12-month price target and RQD AI Jury consensus?

KMPR's 12-month base price target is $33.89 (range $26.43 to $47.17), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: KMPR RQD Cockpit KMPR 12M Forecast KMPR Earnings & Move KMPR Dividends & DRIP KMPR Insiders & 13F KMPR Whale Options KMPR Profit Sankey KMPR News & Why