NYSE: KMPR · Property & Casualty Insurance
Kemper (KMPR) fair value and price range
As of 31 Oct 2026, Faircurve's model values Kemper (KMPR) at $26.01 a share. The stock last closed at $35.33, which puts the model's fair value 26.4% below the price. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
Revalued . Price is the close of 5 Nov 2026. Kemper Corporation.
The report adds the live price, the chart against the range the options market prices and the analysts' consensus. No account needed.
This week, in three parts
What happenedThe run of 31 Oct 2026 moved the fair value from $28.22 to $26.01 (-7.8%). The model does not yet explain moves on this valuation method.
What the model makes of itThe price of $35.33 is 26.4% above it. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
What's nextNo report date on file. Options prices imply a move of about 18% either way over the next month. The next weekly run is on Saturday 7 Nov 2026.
What price range does the model give KMPR?
The calibrated range for KMPR over 63 trading days is $29.24 to $44.58. It sits around the last close, and its width comes from the volatility that KMPR's own options imply (64% a year), calibrated weekly against realised prices (n = 6,661 past valuations, refreshed 31 Oct 2026). Ranges built this way held the price 60% of the time at this horizon. The fair value is the model's opinion and rides beside the range. It is not the centre of it.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $20.32 to $33.45. In 21% of the simulations the fair value came out above the price the model ran on.
Faircurve Insights · 31 Oct 2026
Kemper Corporation (KMPR) is an insurance holding company. It provides a wide range of property and casualty, life and health insurance across the United States.
Faircurve's model gives Kemper a fair value of $26.01 a share on 31 Oct 2026, the midpoint of 2,000 simulations. The previous run, on 24 Oct 2026, gave $28.22, so the fair value moved -7.8%. The model does not yet explain moves on this valuation method. The calibrated range over 63 trading days is $29.24 to $44.58, built around the price from the volatility the stock's own options imply. The range is calibrated weekly against realised prices, using 6,661 past valuations. Ranges built this way held the price 60% of the time at this horizon. The model grades the evidence behind this valuation as low, so no verdict is shown. For insurers, the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say whether the fair value is right.
The sheet holds no quality scores for Kemper, so this note gives no overall score or factor comparison against peer medians. The model compares the company with Stewart Information Services Corporation (STC) and Palomar Holdings, Inc. (PLMR), each with a fair value of its own on the site. Six further comparable companies carry no verdict on this date: Horace Mann Educators Corporation (HMN), HCI Group, Inc. (HCI), Safety Insurance Group, Inc. (SAFT), United Fire Group, Inc. (UFCS), Trupanion, Inc. (TRUP) and Mercury General Corporation (MCY).
Written from the figures on this page for the 31 Oct 2026 valuation and checked by rule before publishing: every number is one printed here, no forecast, no instruction. The price, the gap and the verdict are the page's own and change daily. Not a recommendation.
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Faircurve's note after each US session, in your inbox. No account needed.
When does KMPR report earnings, and how has the stock reacted?
Options prices on 4 Nov 2026 imply a move of about 17.4% in either direction through the nearest expiry, about 43 days out. That is the size the market is pricing, not a direction. KMPR's 30 day implied volatility works out to about 18.4% over one month.
Around its last 8 reports: what the options market priced, and what followed
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across KMPR's last 8 reports, ignoring direction, was 7.9%.
How does KMPR compare with similar companies?
The companies in property & casualty insurance closest to Kemper in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| HMN Horace Mann Educators Corporation | $53.17 | $43.75 | -17.7% | Low evidence grade |
| HCI HCI Group, Inc. | $192.03 | $277.81 | +44.7% | Low evidence grade |
| SAFT Safety Insurance Group, Inc. | $104.36 | $47.93 | -54.1% | Low evidence grade |
| UFCS United Fire Group, Inc. | $47.35 | $52.10 | +10.0% | Low evidence grade |
| STC Stewart Information Services Corporation | $48.99 | $51.58 | +5.3% | Fairly valued |
| TRUP Trupanion, Inc. | $34.72 | $21.55 | -37.9% | Low evidence grade |
| PLMR Palomar Holdings, Inc. | $155.67 | $78.60 | -49.5% | Overvalued |
| MCY Mercury General Corporation | $84.48 | $161.74 | +91.5% | Gap wider than 60% |
All property & casualty insurance stocks ranked by gap to fair value
Kemper at a glance
Kemper Corporation functions as a comprehensive insurance holding entity, providing a wide array of property and casualty, alongside life and health insurance coverage throughout the United States.
- Market value
- $2.0B
- Sector
- Financial Services
- Industry
- Property & Casualty Insurance
- Consensus revenue growth, next fiscal year
- -10.8%
- Analysts with estimates
- 4
- Beta to the US market
- 0.11
- First valued by Faircurve
- 11 Jul 2026
How the fair value is worked out: the model prices Kemper on the share price against the net assets on the balance sheet, adjusted for the earnings analysts expect (price to book value), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 24 Oct 2026 the model's fair value for KMPR was $28.22. As of 31 Oct 2026 it is $26.01, a change of -7.8%. The model does not yet explain moves on this valuation method. The model revalues every stock it covers each week, and again after an earnings report.
Questions about Kemper's valuation
Is Kemper stock undervalued or overvalued?
Faircurve's model puts KMPR's fair value at $26.01 a share against a last close of $35.33, as of 31 Oct 2026. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
What is KMPR's fair value?
$26.01 a share as of 31 Oct 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $20.32 to $33.45.
What price range does the model give KMPR?
$29.24 to $44.58 over 63 trading days. Ranges built this way held the price 60% of the time across 6,661 past valuations, refreshed 31 Oct 2026.
How much has KMPR moved on past earnings reports?
Across its last 8 reports the median two session move was 7.9%, ignoring direction. The largest was -20.5% around the report of 5 Aug 2025.
How confident is the model in this valuation?
The model's evidence grade for KMPR is low. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It is not a probability that the fair value is right, or that the price reaches it.
The model's own ideas on KMPR
The model holds no idea open on KMPR today. Signed-in readers see the rule each idea runs on, the floor and the exit level the model set and its time limit, and the model's closed ideas on KMPR with their outcomes. A free account is enough.