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Upturn AI SWOT - About
KMPR 
Kemper Corporation (KMPR)
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Upturn Advisory Summary
03/26/2025: KMPR (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 5.2% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 03/26/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.27B USD | Price to earnings Ratio 13.58 | 1Y Target Price 84.4 |
Price to earnings Ratio 13.58 | 1Y Target Price 84.4 | ||
Volume (30-day avg) 381866 | Beta 0.87 | 52 Weeks Range 53.08 - 72.66 | Updated Date 04/2/2025 |
52 Weeks Range 53.08 - 72.66 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 1.90% | Basic EPS (TTM) 4.91 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.85% | Operating Margin (TTM) 3.64% |
Management Effectiveness
Return on Assets (TTM) 2.4% | Return on Equity (TTM) 11.82% |
Valuation
Trailing PE 13.58 | Forward PE 10.24 | Enterprise Value 5632092293 | Price to Sales(TTM) 0.92 |
Enterprise Value 5632092293 | Price to Sales(TTM) 0.92 | ||
Enterprise Value to Revenue 1.22 | Enterprise Value to EBITDA - | Shares Outstanding 64023100 | Shares Floating 60868476 |
Shares Outstanding 64023100 | Shares Floating 60868476 | ||
Percent Insiders 4.63 | Percent Institutions 86.57 |
Analyst Ratings
Rating 4.33 | Target Price 81.4 | Buy 2 | Strong Buy 3 |
Buy 2 | Strong Buy 3 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Kemper Corporation
Company Overview
History and Background
Kemper Corporation traces its roots back to 1912. Initially focused on lumbermen's mutual casualty insurance, it expanded over the decades to offer a broader range of insurance products. It has evolved through acquisitions and strategic shifts to become a diversified insurance provider.
Core Business Areas
- Specialty Property & Casualty Insurance: Provides a range of specialty property and casualty insurance products to individuals and businesses. This includes auto, home, and other personal lines coverage, often targeting underserved or niche markets.
- Life & Health Insurance: Offers life and health insurance products, including term life, whole life, and supplemental health policies, aimed at providing financial security and protection against unexpected health events.
Leadership and Structure
Kemper Corporation is led by a board of directors and an executive leadership team. The organizational structure is divided into business segments based on product lines and distribution channels.
Top Products and Market Share
Key Offerings
- Non-Standard Auto Insurance: Kemper provides auto insurance to drivers who may have difficulty obtaining coverage from standard insurers due to factors such as driving history or credit score. Market share data is fragmented across regional players, making precise figures challenging to obtain, but Kemper holds a significant position in several key states. Competitors include Progressive, The General, and Direct General.
- Supplemental Health Insurance: Offers products to help pay for out of pocket expenses associated with Cancer, Accident, and other health conditions. Market share data is fragmented across many regional players, including Aflac, Cigna, and Allstate.
Market Dynamics
Industry Overview
The insurance industry is highly competitive and regulated. Key trends include increasing use of technology, changing consumer preferences, and evolving risk profiles due to factors like climate change and cyber threats.
Positioning
Kemper Corporation focuses on niche markets within the insurance industry, differentiating itself through specialized products and distribution channels. Its competitive advantage lies in its expertise in serving underserved segments.
Total Addressable Market (TAM)
The total addressable market for the US insurance industry is estimated to be over $1 trillion annually. Kemper is positioned to capture a portion of this TAM through its focus on specialty lines and underserved markets.
Upturn SWOT Analysis
Strengths
- Specialized product offerings
- Strong distribution network
- Expertise in niche markets
- Established brand reputation
Weaknesses
- Smaller scale compared to industry giants
- Concentration in specific geographic regions
- Exposure to regulatory changes
- Dependence on independent agents
Opportunities
- Expanding into new geographic markets
- Developing new products and services
- Leveraging technology to improve efficiency
- Acquiring smaller competitors
Threats
- Increased competition from larger insurers
- Changes in regulatory environment
- Economic downturn affecting insurance demand
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PGR
- GWH
- AFK
Competitive Landscape
Kemper faces competition from both large national insurers and smaller regional players. Its competitive advantage lies in its specialized products and distribution channels.
Major Acquisitions
Infinity Property and Casualty Corporation
- Year: 2018
- Acquisition Price (USD millions): 1600
- Strategic Rationale: Expanded Kemper's presence in the specialty property and casualty insurance market, particularly in non-standard auto insurance.
Growth Trajectory and Initiatives
Historical Growth: Kemper Corporation's historical growth has been driven by acquisitions, product innovation, and market expansion.
Future Projections: Future growth projections depend on analyst estimates and company guidance.
Recent Initiatives: Recent strategic initiatives may include acquisitions, partnerships, and investments in technology.
Summary
Kemper Corporation is a specialty insurance provider focusing on niche markets. It boasts a strong distribution network, especially through independent agents, and specialized product offerings. However, it is smaller than industry giants and subject to regulatory changes. Future growth hinges on expanding into new markets, developing innovative products, and leveraging technology.
Similar Companies
AFK
VanEck Africa Index ETF
AFK
VanEck Africa Index ETF
ALL
The Allstate Corporation
ALL
The Allstate Corporation
GWH
ESS Tech Inc
GWH
ESS Tech Inc
HIG
Hartford Financial Services Group
HIG
Hartford Financial Services Group
PGR
Progressive Corp
PGR
Progressive Corp
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Kemper Corporation
Exchange NYSE | Headquaters Chicago, IL, United States | ||
IPO Launch date 1991-09-18 | President, CEO & Director Mr. Joseph Patrick Lacher Jr. | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 7400 | Website https://www.kemper.com |
Full time employees 7400 | Website https://www.kemper.com | ||
Kemper Corporation, an insurance holding company, provides insurance products in the United States. The company operates in two segments, Specialty Property & Casualty Insurance, and Life Insurance. The Specialty Property & Casualty Insurance segment primarily offers specialty personal automobile and commercial automobile insurance through independent agents and brokers. The Life Insurance segment primarily provides individual life, accident, supplemental health, and property insurance. The company was formerly known as Unitrin, Inc. and changed its name to Kemper Corporation in August 2011. Kemper Corporation was incorporated in 1990 and is headquartered in Chicago, Illinois.
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