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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
20D Institutional Volume Accumulation (±7.8% realized swing band)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9
Capital intensity & 0% operating margin leave 8 pts on the table
Even with a 67/100 (C+) score, KMPR faces multiple-compression risk if 13.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($27.66) or 200D SMA ($29.71) invalidates the momentum regime and cuts Target Base ($33.89) toward Bear Floor ($26.43).
Kemper Corporation (KMPR) surged +10.48% to $32.57, trading at 44% of its 52-week range ($22.69 – $44.92). Solid steady margins (5% return on capital), mixed timing at 13x P/E—hold if owned, no rush to chase.
Key TakeawaysKemper shares jumped 10% after a preliminary third quarter showed adjusted operating income of about $1. 01 a share, nearly double estimates.
Cullen/Frost (CFR) delivered earnings and revenue surprises of +5.38% and +2.84%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
CHICAGO, October 28, 2026--Kemper Corporation (NYSE: KMPR) Kemper Corporation (NYSE: KMPR) today announced preliminary financial results for the third quarter ended September 30, 2026, reflecting sequential improvement i
Kemper Corporation (NYSE: KMPR) today announced preliminary financial results for the third quarter ended September 30, 2026, reflecting sequential improvement in consolidated operating earnings and Specialty Auto
Kemper has seen its share price fall over a multiyear stretch even as headlines focus on restructuring efforts and capital decisions, which puts fresh attention on a simple question for investors. Is the current US$29.27
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +3.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on KMPR today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for KMPR. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why KMPR Stock surged +10.48% Today — RQD Quant Desk Flash. Solid steady margins (5% return on capital), mixed timing at 13x P/E—hold if owned, no rush to chase.