Kemper

KMPR · NYSE

$29.75−$0.20 (−0.67%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $29.95

KMPR analyst rating

HoldConsensus of 5 analysts over the last 12 months. 40% rate it a buy.

Strong buy0
Buy2
Hold1
Underperform2
Sell0

12-month price target · 7 analysts

Average $41.36 (+39.0% upside)

Low: $24.24
Now: $29.75
High: $63.00

Upgrades and downgrades

The latest rating actions, newest first

KMPR analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
TD Cowen	Aug 27, 2026	Maintains	Buy	$81.00 → $42.00	54%
UBS	Aug 10, 2026	Maintains	Buy	$44.00 → $43.00	68%
UBS	May 11, 2026	Maintains	Buy	$48.00 → $44.00	68%
Piper Sandler	May 7, 2026	Maintains	Underweight	$35.00 → $28.00	73%
UBS	Apr 8, 2026	Maintains	Buy	$56.00 → $48.00	68%
Citizens	Feb 5, 2026	Downgrade	Market Outperform → Market Perform	—	72%
William Blair	Dec 18, 2025	Downgrade	Market Perform → Underperform	—	67%
Piper Sandler	Nov 6, 2025	Maintains	Underweight	$50.00 → $35.00	73%

The case for and against

Updated Jul 25, 2026

Bull case

Kemper is a diversified insurance holding company with a strong presence in the United States, offering various insurance products through its subsidiaries. While the company's underwriting results have been worse than expected due to higher losses and lower reserve development, these issues are being addressed through a combination of rate and non-rate actions. Kemper's management team has a proven track record of successfully navigating challenges and improving margins. However, as these corrective actions take time, it may take until 2027 before the business returns to its target margins.

Bear case

Kemper is experiencing lower than expected net investment income, with a 5.8% increase compared to a projected 9.5% increase, raising concerns about the company's ability to generate profits. Despite a strong performance in the commercial auto segment, the company is struggling in its personal auto segment, particularly in California, leading to adverse reserve development and a high combined ratio. Restructuring efforts and cost savings may provide some relief, but lower than expected net premiums written and an ongoing CEO search could continue to impact the company's overall performance.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.