Kemper Corp (KMPR) Stock Analysis
Verdict: WATCH (do not buy)
Deep P/B discount (0.73x) and cluster insider buying offset severe California loss volatility and chronic earnings surprise misses.
Investment score: 49/100
Analysis as of
Is Kemper Corp stock worth reviewing? The TradeMates thesis
The model assesses Kemper Corp as a high-risk turnaround play where substantial book value discounts and strong insider buying counter volatile auto insurance loss ratios.
7-factor investment score
- Valuation: 65/100 (weight 20%)
- Financial Health: 40/100 (weight 15%)
- Technical Momentum: 45/100 (weight 15%)
- Earnings Quality: 30/100 (weight 15%)
- Insider Sentiment: 85/100 (weight 10%)
- Analyst Consensus: 35/100 (weight 10%)
- Risk-Adjusted Return: 45/100 (weight 15%)
Kemper Corp opportunities and risks
What speaks for KMPR
- Substantial Book Value Discount
What speaks against KMPR
- California Regulatory and Loss Ratio Volatility
Peers and competitors
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| KMPR | n/a | 0.3x | n/a | 36.2% | -10.8% | 29.7% |
| LMND | n/a | 3.8x | n/a | 47.9% | -14.9% | 0.2% |
| PLMR | 17.2x | 3.2x | 13.0x | 58.1% | 18.6% | 11.7% |
| SLDE | 5.5x | 2.1x | 2.4x | 84.2% | 40.0% | 34.9% |
| SKWD | 13.4x | 1.5x | 9.3x | 34.5% | 11.5% | 16.8% |
| HCI | 7.5x | 2.6x | 3.5x | 69.9% | 32.6% | 16.5% |
| Peer median | 7.5x | 2.6x | 3.5x | 58.1% | 18.6% | 16.5% |
Frequently asked questions about Kemper Corp (KMPR)
Is KMPR stock a good investment?
The TradeMates model rates Kemper Corp as WATCH (do not buy) with an investment score of 49/100. The model assesses Kemper Corp as a high-risk turnaround play where substantial book value discounts and strong insider buying counter volatile auto insurance loss ratios. This is algorithmic model output, not personal investment advice.
Is KMPR stock a buy?
The TradeMates model verdict for KMPR is WATCH (do not buy) with an investment score of 49/100. Treat this as a model signal to review, not a personal buy recommendation.