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Stock Ratings / Financials / KMPR / news
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Why KMPR Stock surged +5.60% Today — RQD Quant Desk Flash

$35.08 +5.60% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $35.37

Kemper Corporation (KMPR) carries a Roarable Rating of C- (Hold) with 59/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $1.96B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is KMPR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Kemper Corporation (NYSE: KMPR) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $35.08 (+5.60% 1D, market cap $1.96B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, KMPR ranks #420 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does KMPR compare to HMN and PLGO in the Financials sector?
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Within the Financials sector (Property-Casualty Insurers), KMPR carries a Roarable C- (59/100 RQD), trailing P/E of 13.4x, gross margin of —, and ROIC of 5.3%. By comparison, HMN (Horace Mann Educators Corporation) holds a D+ grade (57/100 RQD, P/E 11.6x, ROIC 10.9%, cap $1.89B) and PLGO (Pelagos Insurance Capital Limited) posts a D grade (47/100 RQD, P/E N/A, ROIC —, cap $2.28B). Among the 5-stock peer group, HCI leads on earnings multiple (7.7x) while HCI leads on capital efficiency (30.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for KMPR?
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Per KMPR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000860748), Kemper Corporation generated $4.79B in revenue (+3.3% YoY), $143.3M in net income, and $584.5M in free cash flow against $12.47B in total assets and $943.5M in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $35.37 (+0.82%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 12.2% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY • 53.1% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C-
025507510059
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C · Rk D+
Cash (12)Whales (12)SEC (13)Macro (9)CEO (13)
Each axis scored 0–20
12M PRICE TARGET CONE+0.5% Base Target
$47 Bull$35 Base$27 Bear
📬 FREE KMPR RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for KMPR)Realized 20D OHLCV Swing Band: ±8.6%
Deterministic 5-Pillar Attribution (59/100 Composite)
🔍 WHY KMPR SCORES 59/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+13/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 65% Net Buy • Cannibal Buyback (-1.52% YoY Shares)

▼ #1 Drag / Risk Factor: Macro Regime Fit9/20 pts (-11 pt drag)

Macro rate sensitivity & RSI-14 (72.1) create a -11 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
51
Grade C-$27.70+7.4% Next Q
Q2 (-2Q)
54
Grade C-$29.75-1.3% Next Q
Q3 (-1Q)
56
Grade C$29.36+19.5% Next Q
Current
59
Grade C-$35.08+0.2% Hist 90D α
Trajectory: C- (51) → C- (59)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the KMPR Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 59/100 (C-) score, KMPR faces multiple-compression risk if 13.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($27.88) or 200D SMA ($29.65) invalidates the momentum regime and cuts Target Base ($35.24) toward Bear Floor ($27.49).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $KMPR• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “KMPR Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 59%NO 41%Trade / Inspect Odds →
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →

Why KMPR Stock surged +5.60% Today — RQD Quant Desk Flash

Kemper Corporation (KMPR) surged +5.60% to $35.08, trading at 56% of its 52-week range ($22.69 – $44.92). Solid steady margins (5% return on capital), mixed timing at 13x P/E—hold if owned, no rush to chase.

  • ▸Technical Tape: Trading at 56% of its 52-week range ($22.69 – $44.92) with RSI-14 at 72.1 (OVERBOUGHT (>70)).
  • ▸Volatility Profile: Historical 20-day realized swing band of ±8.6% around $35.08 (no active unusual options sweep snapshot on file).
  • ▸Fundamental Anchor: Roarable C- (Hold) backed by 52% gross margin and $584.5M annual free cash flow.
Live KMPR Headlines & Catalysts
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (KMPR Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
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KMPR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +4.56%▲ RESISTANCE BREAKOUT
2026-11-03O $32.57H $35.08L $32.57C $35.08VOL 1.00M
RES: $31.67SUP: $24.17SMA50: $27.88SMA200: $29.65
$43.48$37.85$32.21$26.58$20.94RES $31.67SUP $24.17$35.082026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

KMPR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 KMPR Butterfly Map → + Track KMPR →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
4.8%/yr Implied 5Y Growth

vs. +3.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on KMPR today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for KMPR. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for KMPR today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (KMPR)

Financials Rank #420 of 1097 ⚔️ HMN vs KMPR Full Matrix →

1. Head-to-Head Financials Peer Comparison (KMPR vs. HMN, PLGO, HCI, SAFT)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Kemper Corporation (KMPR) ranks #420 by composite RQD confidence (59/100, grade C-) and #428 by equity capitalization ($1.96B). Within this direct 5-issuer industry benchmark cohort, HCI leads on earnings valuation at 7.7x trailing P/E, while HCI leads on capital efficiency and profitability with 30.8% ROIC and — gross margin. HCI currently holds the highest overall quantitative score in the immediate peer group at 80/100 (B+) compared with KMPR at 59/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
KMPR ACTIVE
Kemper Corporation
C- 59/100 13.4x — 5.3% +5.60% $1.96B Benchmark Subject
HMN
Horace Mann Educators Corporation
D+ 57/100 11.6x — 10.9% +2.27% $1.89B /hmn-vs-kmpr →
PLGO
Pelagos Insurance Capital Limited
D 47/100 — — — +0.65% $2.28B /plgo-vs-kmpr →
HCI
HCI Group Inc.
B+ 80/100 7.7x — 30.8% +1.80% $2.46B /hci-vs-kmpr →
SAFT
Safety Insurance Group Inc.
B 74/100 15.4x — 11.1% +0.33% $1.53B /saft-vs-kmpr →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000860748 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Kemper Corporation (KMPR) reported GAAP revenue of $4.79B (+3.3% vs. FY2024 revenue of $4.64B , and -3.1% cumulative change since FY2023) , GAAP net income of $143.3M, operating cash flow of $584.5M, and free cash flow of $584.5M (+52.7% YoY). On the balance sheet, KMPR closed FY2025 with $12.47B in total assets against $943.5M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $4.79B $143.3M $584.5M $584.5M $12.47B $943.5M
FY2024 (FY) 2024-12-31 $4.64B $317.8M $382.9M $382.9M $12.63B $941.7M
FY2023 (FY) 2023-12-31 $4.94B -$272.1M -$134.2M -$134.2M — —

3. KMPR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is KMPR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Kemper Corporation (NYSE: KMPR) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $35.08 (+5.60% 1D, market cap $1.96B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, KMPR ranks #420 in composite RQD confidence.

How does KMPR compare to HMN and PLGO in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), KMPR carries a Roarable C- (59/100 RQD), trailing P/E of 13.4x, gross margin of —, and ROIC of 5.3%. By comparison, HMN (Horace Mann Educators Corporation) holds a D+ grade (57/100 RQD, P/E 11.6x, ROIC 10.9%, cap $1.89B) and PLGO (Pelagos Insurance Capital Limited) posts a D grade (47/100 RQD, P/E N/A, ROIC —, cap $2.28B). Among the 5-stock peer group, HCI leads on earnings multiple (7.7x) while HCI leads on capital efficiency (30.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for KMPR?

Per KMPR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000860748), Kemper Corporation generated $4.79B in revenue (+3.3% YoY), $143.3M in net income, and $584.5M in free cash flow against $12.47B in total assets and $943.5M in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is KMPR trading relative to its 50-day, 200-day, and 52-week technical levels?

KMPR last traded at $35.08 (+5.60% on volume of 884,298 shares), positioning the stock +25.82% above its 50-day simple moving average ($27.88) and +18.31% above its 200-day simple moving average ($29.65). Across its 52-week range of $22.69 to $44.92, KMPR sits at the 55.7% percentile with a 14-day RSI of 72.1 (OVERBOUGHT (>70)) and an implied next-earnings move of ±8.6% ($32.06 to $38.10).

Direct Sub-Reports: KMPR RQD Cockpit KMPR 12M Forecast KMPR Earnings & Move KMPR Dividends & DRIP KMPR Insiders & 13F KMPR Whale Options KMPR Profit Sankey KMPR News & Why
ROARABLE RATING BRIEF • RQD 59/100 (C-) ✓ SEC XBRL & RQD VERIFIED

KMPR — Kemper Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Kemper Corporation (KMPR) earns a live Roarable RQD composite score of 59/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $35.08 (+5.60% 1D, market capitalization $1.96B).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 5.3%, gross margin of —, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (12/20) + Insider Conviction (13/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (9/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Kemper Corporation (KMPR) is listed on the NYSE and operates in the Financials sector, Property-Casualty Insurers industry..9B. — describes the specific products sold, customer base, or revenue model. The sector and industry classification is the only business description the sources provide.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Kemper Corporation (KMPR) reported $4.79B in annual revenue (up from $4.64B in FY2024, +3.3% YoY) and $143.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($4.94B revenue, -$272.1M net income) through FY2025, KMPR scaled operating cash flow to $584.5M and free cash flow to $584.5M, backed by $12.47B in total assets against $943.5M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C- • RQD 59/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 12/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $22.69 – $44.92 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 13.4x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— The Butterfly Supply-Chain Graph records no upstream or downstream dependencies, no sector correlations, and no proprietary signals for KMPR. Watch items drawn only from the news section are the Q2 loss referenced in news and the California exposure referenced in news, but the sources do not quantify either or map them to supplier or customer linkages.

  • Key Question #1: Can KMPR sustain or expand its — operating margin and 5.3% ROIC against Property-Casualty Insurers peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $4.79B and free cash flow of $584.5M, how will capital allocation balance growth reinvestment against $943.5M in total debt?
  • Key Question #3: How sensitive is KMPR's 12.5x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

KMPR Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Kemper Corporation (KMPR) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to KMPR Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

KMPR Bull vs. Bear Conversation Board — What's Your Call at $35.08?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON KMPR 🐻 33% BEARISH CONVICTION
1. Pick Your Side on KMPR:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $41.52 (+25.0%)
📌 Pinned Debate

A 13.4 trailing P/E, 12.5 forward P/E, and 4.15% dividend yield offer a low-multiple income profile.

Don't sleep on KMPR's setup in Financials. A 13.4 trailing P/E, 12.5 forward P/E, and 4.15% dividend yield offer a low-multiple income profile.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (59/100) backs up the fundamental quality.

ArenaChamp_24 🐂 BULL

@SkepticalCFA Fair point on 13.4x trailing P/E, but you're ignoring the forward operating leverage in Property-Casualty Insurers. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $28.57 (-14.0%)
Spot @ $33.22

A 0% FCF yield and 5.3% ROIC mean earnings are not yet confirmed by cash generation.

Fading this rally in KMPR at $33.22. A 0% FCF yield and 5.3% ROIC mean earnings are not yet confirmed by cash generation.. With a beta of 1.0 and the stock sitting at $33.22 (52-wk range $22.69–$44.92), the easy multiple expansion is already priced in.

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