Kemper Corporation (KMPR)

FairStock Score: 44/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for insurance companies that underwrite profitably and sell below a conservative estimate of intrinsic value. Kemper is a specialty auto and life insurer, but the record is uneven. In fiscal Q2 2026, the quarter ended 2026-06-30, it reported revenue of $1.1B and a net loss of $464.8M, or diluted EPS of -$7.90. That follows a $1.7M net loss in fiscal Q1 2026, the quarter ended 2026-03-31. Before that, FY2025 produced $143.3M of net income on $4.8B of revenue, down from $317.8M of net income in FY2024; FY2023 was a $272.1M loss. So the FairStock Lynch category of TURNAROUND—returned to profit after a loss within the last three years—is not yet confirmed by the latest quarters. Valuation reflects the strain. At the 2026-10-13 close of $27.70, FairStock calculates a P/B of 0.74, a negative P/E of -3.33, ROE of -19.70%, and a 4.83% dividend yield. A discount to book and a high dividend can be attractive, but only if reserves and underwriting are sound. Debt-to-equity of 0.64 is not extreme by itself, yet insurance leverage plus underwriting risk demands caution. Piotroski 3/9 and FairStock score 44/100 fit a weak, uncertain picture. I cannot properly judge the combined ratio, reserve development, investment yield, CET1, or NIM from the data provided. For an insurer, combined ratio and reserves are crucial. Without them, this looks like a speculative turnaround, not a clear Graham bargain.

In plain English: Kemper sells car and life insurance in the United States. The business looks weak right now: it reported a large loss in its latest quarter and profits have been uneven. The stock price is low compared with the company's accounting value, but the losses make it hard to call the shares a safe bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer