Kemper Corporation

KMPR US Financials Multi-line Insurance
S&P 600
$27.25
+0.85%
Delayed · cached 15 min

Fair value analysis

KMPR
Kemper Corporation
FinancialsMulti-line Insurance
$27.25
Close used for this calculation
$35.54Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
62/100
Profitability9/25
Returns11/25
Balance Sheet17/25
Efficiency25/25
Growth14/25
Good
Quality radar
62Prof.9/25Ret.11/25Eff.25/25B.Sht17/25Growth14/25

Consensus fair value

$35.54
Below FV
▲ +30.4% against the close used
Model range $2.29 – $110.83
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$2.29Fair value$35.54Bull$110.83
FairClose
52-week traded range
52W low $22.9052W high $53.59

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

Kemper Corporation closed at $27.25, 23.3% below the consensus fair value of $35.54 drawn from 9 valuation models.

Financial DNA score 62/100 — Good. P/E of 11.9x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$110.83
+306.7%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=1%, r=10%, tg=3%, n=10yr
Graham Number
$43.86
+60.9%
√(22.5 × EPS × BVPS)
EPS=2.29, BVPS=37.33
P/E Fair Value
$45.80
+68.1%
EPS × 20x (sector P/E)
EPS=2.29, Sector P/E=20x
Peter Lynch (PEG)
$2.29
-91.6%
EPS × Growth% (PEG = 1 is fair)
EPS=2.29, g=1%
EV/EBITDA
$26.37
-3.2%
(EBITDA × 10.5x − Net Debt) ÷ Shares
EBITDA=235M
Dividend Discount (DDM)
$16.33
-40.1%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=1.28, r=10%, g=2%
Book Value (P/B)
$18.88
-30.7%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=37.33, ROE=6.5%, g=3%, r=10%
Reverse DCF
$27.25
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 0.1% | Historical: 1%
Margin of Safety
$50.12
+83.9%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=66.83, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.