Kemper Corporation (KMPR) Fair Value 2026

KMPR · Insurance - Property & Casualty ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.9 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (6/100)

Quick Summary — As of 2026-08-27, Kemper Corporation (KMPR) trades at $27.65, versus a $27.02 median fair value across its 5 active models — 2.3% below the current price. QOC: 6.9/10. Value Trap Risk: 6/100 (SAFE). 5/13 models active.

Key Facts

Ticker
KMPR
Price
$27.65
Quality Score
6.9/10
Value Trap Risk
6/100
Models Active
5/13
Last Updated
Strength: 5 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is Kemper Corporation (KMPR) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Kemper Corporation (KMPR) appears fairly valued as of : the median of 5 independent fair value estimates is $27.02, within 2.3% of the current price of $27.65. Estimates range from $4.97 to $57.34. KMPR scores 6.9/10 on fundamental quality and 6/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. KMPR’s -2.3% gap is narrower than that market norm, and the Insurance - Property & Casualty sector median is -14.7%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Kemper Corporation Stock in 2026? →

What Fair Value Does Each Model Give KMPR?

5 Intrinsic Value Models vs. Current Price ($27.65)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $4.97 -82.0%
Ensemble · Low Conviction
 $27.02 -2.3%
Unlock the Full Matrix

Access 3 additional models including Markov DDM, Regime Cross-Sectional, and more.

$1.30 / day

Billed monthly ($39/mo) or annually ($299/yr)

Unlock All 5 Models →

Cancel anytime · No contracts · Instant access

What Is KMPR's Fair Value Range?

Spread across 5 independent models · $4.97 to $57.34

CirclFi's 5 active models place Kemper Corporation (KMPR) between $4.97 and $57.34 per share, a spread of 194% of the median. The median of that range — $27.02 — is the fair value CirclFi publishes for KMPR, against a current price of $27.65.

Low · EPVHigh · Regime Cross
$4.97median $27.02$57.34
Where the range comes from
Most bearish modelEarnings Power Value (EPV)$4.97
Most bullish modelRegime Cross-Sectional$57.34
Model agreement2 bullish · 2 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for KMPR. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on KMPR, not a CirclFi price target. How each model works →

What Is Kemper Corporation (KMPR) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Kemper Corporation presents a highly debated valuation profile at its current price of $27.65. The median intrinsic value is estimated at $27.02 (-2.3% median upside), masking a wide model spread between the 2 bullish models and 2 bearish models. Model dispersion is worth noting: Regime Cross targets $57.34 (+107.4%), versus EPV at $4.97 (-82.0%). This +189.4% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About KMPR?

5 of 13 models are currently active for KMPR. Of these, 2 models suggest upside while 3 models suggest overvaluation. Taken together, their median fair value for KMPR is $27.02 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does KMPR Rank in Insurance - Property & Casualty?

Among 41 Insurance - Property & Casualty stocks, KMPR ranks #38 by Quality of Company score. CirclFi's QOC score of 6.9/10 evaluates 32 fundamental signals. A score of 6.9 indicates above-average quality.

Kemper Corporation's positioning within the Insurance - Property & Casualty segment means that combined ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including investment income yield — shape both the opportunity set and risk profile.

Is KMPR a Value Trap?

CirclFi's Value Trap algorithm assigns KMPR a score of 6/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Kemper Corporation. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Kemper Corporation earns a quality score of 6.9/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +189.4% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every KMPR valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across KMPR's 5 active models, average confidence is 39%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Kemper Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Insurance - Property & Casualty Stocks Should You Also Analyze?

11 related Insurance - Property & Casualty stocks with 13-model coverage

PRCHPorch Group, Inc.QOC 6.9NODKNI Holdings, Inc.QOC 6.7ROOTRoot, Inc.QOC 7.2LMNDLemonade, Inc.QOC 6.6GBLIGlobal Indemnity Group, LLCQOC 7.6PRHIPresurance Holdings, Inc.QOC 4.9ALLThe Allstate CorporationQOC 9.2MCYMercury General CorporationQOC 8.7CNACNA Financial CorporationQOC 8.2HCIHCI Group, Inc.QOC 9.9HRTGHeritage Insurance Holdings, Inc.QOC 9.7

Read investment analysis: PRCH · NODK · ROOT · LMND · GBLI · PRHI · ALL · MCY · CNA · HCI · HRTG

Which Other Stocks Have a Similar Quality Score to KMPR?

7 companies across all industries closest to KMPR’s Quality of Company score of 6.9/10.

BKHBlack Hills CorporationQOC 6.9KHCThe Kraft Heinz CompanyQOC 6.9HBNCHorizon Bancorp, Inc.QOC 6.9CIMChimera Investment CorporationQOC 6.9EXFYExpensify, Inc.QOC 6.9CLFDClearfield, Inc.QOC 6.9NVDANVIDIA CorporationQOC 10.0

Read investment analysis: BKH · KHC · HBNC · CIM · EXFY · CLFD · NVDA

What Else Do Investors Ask About Kemper Corporation’s Valuation?

What is Kemper Corporation's intrinsic value in 2026?

CirclFi puts Kemper Corporation (KMPR)'s intrinsic value at $27.02 — the median of 5 independent model estimates as of 2026-08-27, ranging from $4.97 to $57.34. The Quality of Company score is 6.9/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is KMPR overvalued or undervalued right now?

At $27.65, 2 of 5 active models suggest KMPR may be undervalued, while 3 indicate potential overvaluation. The median of all 5 fair value estimates is $27.02, within 2.3% of the current price of $27.65 — a consensus view that KMPR is fairly valued. The assessment depends on which methodology best fits Kemper Corporation's business model in Insurance - Property & Casualty.

What does a Quality of Company score of 6.9 mean for KMPR?

Kemper Corporation's QOC of 6.9/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on KMPR?

CirclFi analyzes KMPR with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on KMPR?

Of the 5 models currently active on KMPR, Regime Cross-Sectional is the most bullish at $57.34 per share, and Earnings Power Value (EPV) is the most bearish at $4.97. CirclFi's published fair value for KMPR is the median of that range, $27.02, not either extreme. The gap between the two ends equals 194% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is KMPR a value trap in 2026?

Kemper Corporation's Value Trap score is 6/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Kemper Corporation (KMPR) has a median fair value of $27.02 — within 2.3% of the current price of $27.65 — as of 2026-08-27.” Source: circlfi.com/stock/KMPR/ · Methodology
Primary sources for this KMPR valuation
  • Financial statements: Kemper Corporation 10-K and 10-Q filings on SEC EDGAR (CIK 0000860748) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for KMPR as of ; valuations recomputed .

You’ve done the research. Don’t stop at half the picture.

Stop collecting opinions. Let 5 mathematical frameworks give you clarity on KMPR.

Unlock All 5 Fair Values — $39/mo

Cancel anytime · Less than a cup of coffee · Instant access

3 models hidden for KMPR Unlock All 5 — $39/mo