CluenexKemper Corporation KMPR
Kemper Corporation scores weak on business quality (0.7 of 10). Here is why, in plain words, and what our sealed record shows.
Why it matters
- What Kemper Corporation does
Kemper sells specialty property, casualty, and life insurance products primarily to individuals through a network of independent agents. The company makes money by collecting premiums and generating investment income from its float.
- What it does best
Kemper is managing to generate $396 million in free cash flow despite severe underwriting pressures, but it lacks structural edges as reflected by its bottom-quartile return on equity of -19.3%.
- The main risk
With an interest coverage ratio of just 1.9x, debt servicing consumes almost all operating earnings, leaving the business deeply vulnerable to any unexpected spike in claims or catastrophic loss events.
Quality, check by check
Scored against its own industry, from company filings.
Net margin sits at -10.8% and return on equity is -19.3%, reflecting heavy losses that strip away capital rather than compounding it as the business scales.
The company holds essentially no economic moat, languishing in the bottom decile for operating margin at 1.5% and failing to lock in policyholders against aggressive competitor pricing.
Revenue is growing at a modest 3.4% rate to $4.6 billion, falling well into the bottom quartile of its sector and signaling a sharp deceleration compared to historical peaks.
Total debt sits at $944 million against $126 million in cash, while interest coverage of 1.9x leaves little room for error. Free cash flow reached $396 million, showing near-term liquidity relief.
Insiders
Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.
5 insiders bought $368K on the open market.
Our sealed record on KMPR
Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.
The first sealed verdicts appear here on Oct 11, 2026.
Questions
Kemper Corporation scores weak on the Cluenex quality check (0.7 of 10), measured against its own industry. Profitability is weak, moat weak, growth slow and financial health weak.
In the last 90 days of SEC Form 4 filings: 5 insiders bought $368K on the open market.
Nov 4, 2026.
See KMPR today
- Today's verdict on KMPR, and why
- Fair value with cautious, base and optimistic cases
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- Which stocks each signal names, the night it fires
Cite this page: Cluenex, “Kemper Corporation (KMPR)”, https://cluenex.com/stocks/kmpr/, data as of Oct 10, 2026.