Kemper (NYSE:KMPR) Sets New 12-Month Low on Disappointing Earnings

Kemper Corporation (NYSE:KMPR)’s stock price hit a new 52-week low on Thursday following a weaker than expected earnings announcement. The company traded as low as $30.05 and last traded at $34.5670, with a volume of 420452 shares traded. The stock had previously closed at $38.50.

The insurance provider reported $0.25 earnings per share (EPS) for the quarter, missing analysts’ consensus estimates of $0.85 by ($0.60). The business had revenue of $1.13 billion during the quarter, compared to the consensus estimate of $1.22 billion. Kemper had a net margin of 2.99% and a return on equity of 8.02%. The business’s quarterly revenue was down 4.7% compared to the same quarter last year. During the same period in the prior year, the firm earned $1.78 earnings per share.

Kemper Dividend Announcement

The business also recently announced a quarterly dividend, which will be paid on Tuesday, March 3rd. Stockholders of record on Tuesday, February 17th will be given a dividend of $0.32 per share. This represents a $1.28 dividend on an annualized basis and a dividend yield of 3.7%. The ex-dividend date is Tuesday, February 17th. Kemper’s dividend payout ratio is presently 33.42%.

Key Stories Impacting Kemper

Here are the key news stories impacting Kemper this week:

• Positive Sentiment: Kemper announced a quarterly dividend of $0.32 per share (ex-dividend Feb 17, pay Mar 3), which supports income-focused investors and helps underpin the stock amid recent weakness.
• Neutral Sentiment: Q4 2025 earnings call transcript is available for investors parsing management’s commentary on results and the restructuring steps; read the full transcript for tone and forward guidance context. Kemper Corporation (NYSE:KMPR) Q4 2025 earnings call transcript
• Negative Sentiment: Kemper missed Q4 expectations badly — reported EPS $0.25 vs. ~$0.85 consensus and revenue below estimates — prompting sharp investor selling and renewed questions about near‑term profitability. Kemper (KMPR) Q4 Earnings and Revenues Lag Estimates
• Negative Sentiment: Analysts flagged operational headwinds in the auto segment and announced restructuring actions that weigh on near‑term outlook and reserves — an area management will need to show improvement on. KMPR Q4 Deep Dive: Auto Segment Headwinds and Restructuring Shape Outlook
• Negative Sentiment: Citizens JMP downgraded Kemper from Outperform to Market Perform, signaling reduced analyst conviction after the quarter and likely contributing to the stock’s post‑earnings pressure. Citizens downgrades Kemper (KMPR)

Wall Street Analyst Weigh In

Several research analysts have issued reports on the company. Raymond James Financial downgraded Kemper from an “outperform” rating to a “market perform” rating and set a $60.00 price objective on the stock. in a report on Wednesday, October 15th. William Blair downgraded Kemper from a “market perform” rating to an “underperform” rating in a research report on Thursday, December 18th. Citizens Jmp cut Kemper from an “outperform” rating to a “market perform” rating in a report on Thursday. Citigroup lowered Kemper to a “market perform” rating in a research report on Thursday. Finally, Zacks Research upgraded shares of Kemper from a “strong sell” rating to a “hold” rating in a research report on Friday, January 23rd. Two analysts have rated the stock with a Buy rating, four have given a Hold rating and three have assigned a Sell rating to the company’s stock. Based on data from MarketBeat, Kemper has a consensus rating of “Reduce” and an average price target of $56.67.

Institutional Trading of Kemper

A number of institutional investors and hedge funds have recently modified their holdings of KMPR. Integrated Wealth Concepts LLC raised its holdings in Kemper by 39.9% in the first quarter. Integrated Wealth Concepts LLC now owns 4,933 shares of the insurance provider’s stock worth $330,000 after purchasing an additional 1,406 shares during the period. Goldman Sachs Group Inc. increased its position in shares of Kemper by 16.2% in the 1st quarter. Goldman Sachs Group Inc. now owns 557,786 shares of the insurance provider’s stock valued at $37,288,000 after buying an additional 77,764 shares in the last quarter. United Services Automobile Association acquired a new stake in Kemper during the 1st quarter worth $260,000. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC lifted its holdings in Kemper by 4.8% during the first quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC now owns 198,248 shares of the insurance provider’s stock worth $13,253,000 after acquiring an additional 9,008 shares in the last quarter. Finally, Jane Street Group LLC lifted its holdings in Kemper by 112.7% during the first quarter. Jane Street Group LLC now owns 10,516 shares of the insurance provider’s stock worth $703,000 after acquiring an additional 5,573 shares in the last quarter. 86.23% of the stock is owned by institutional investors.

Kemper Trading Up 2.3%

The business has a 50 day simple moving average of $39.48 and a 200-day simple moving average of $46.13. The stock has a market capitalization of $2.00 billion, a price-to-earnings ratio of 15.63 and a beta of 1.14. The company has a debt-to-equity ratio of 0.35, a current ratio of 0.18 and a quick ratio of 0.19.

Kemper Company Profile

Kemper Corporation (NYSE:KMPR) is a diversified insurance holding company headquartered in Chicago, Illinois. Formed through the rebranding of Unitrin in 2010, Kemper has established a nationwide presence by offering a broad array of property and casualty insurance products. The company distributes its products through independent agents, brokers and direct-to-consumer channels, serving both individual policyholders and commercial clients.

The personal insurance segment provides coverage for automobiles, homeowners, renters and umbrella lines, while the commercial business focuses on liability, workers’ compensation and specialty property solutions tailored to small and mid-sized enterprises.