Kemper (NYSE:KMPR) 주식

Kemper

Kemper Corp is a diversified insurance company that provides services in property and casualty insurance, along with life and health insurance. The company's property and casualty segment offers personal and commercial lines for home and automotive products. The company conducts its operations through two operating segments: Specialty Property & Casualty Insurance, and Life Insurance.

Kemper Corp

<p>Piper Sandler  analyst Paul Newsome   maintains Kemper (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KMPR#NYSE">KMPR</a>) with a Overweight and raises the price target from $83 to $86.</p>


News

Price Target

Analyst Ratings

KMPR

Piper Sandler Maintains Overweight on Kemper, Raises Price Target to $86

<p><strong>Kemper</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KMPR#NYSE">KMPR</a>) just disclosed its Q4 earnings on Wednesday, February 5, 2025 at 04:05 PM.</p>
<p>Here's a brief overview of the earnings report.</p>
<h3>Earnings</h3>
<p>Kemper beat estimated earnings by 31.0%, reporting an EPS of $1.78 versus an estimate of $1.36.</p>
<p>Revenue was down $0 from the same period last year.</p>
<h3>Previous Earnings Records</h3>
<p>The company beat on EPS by $0.28 in the last quarter, resulting in a 3.0% drop share price change the following day.</p>
<p>Here's a look at Kemper's past performance:</p>
<p>
<table>
<thead>
<tr>
<th><strong>Quarter</strong></th>
<th><strong>Q3 2024</strong></th>
<th><strong>Q2 2024</strong></th>
<th><strong>Q1 2024</strong></th>
<th><strong>Q4 2023</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>EPS Estimate</strong></td>
<td>1.34</td>
<td>1.06</td>
<td>1.09</td>
<td>0.72</td>
</tr>
<tr>
<td><strong>EPS Actual</strong></td>
<td>1.62</td>
<td>1.42</td>
<td>1.07</td>
<td>0.78</td>
</tr>
<tr>
<td><strong>Revenue Estimate</strong></td>
<td>1.03B</td>
<td>977.85M</td>
<td>988.37M</td>
<td>1.04B</td>
</tr>
<tr>
<td><strong>Revenue Actual</strong></td>
<td>1.18B</td>
<td>1.13B</td>
<td>1.14B</td>
<td>1.19B</td>
</tr>
</tbody>
</table>
</p>
<p>To track all earnings releases for Kemper <a href="https://www.benzinga.com/quote/KMPR/earnings">visit their earnings calendar here.</a> </p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Earnings

Earnings Breakdown: Kemper Q4

<p>The earnings results for <strong>Kemper</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KMPR#NYSE">KMPR</a>) for Q4 were made public on Wednesday, February 5, 2025 at 04:05 PM.</p>
<p>Here's a comprehensive overview of the announcement.</p>
<h3>Earnings</h3>
<p>Kemper beat estimated earnings by 31.0%, reporting an EPS of $1.78 versus an estimate of $1.36.</p>
<p>Revenue was down $0 from the same period last year.</p>
<h3>Earnings History Overview</h3>
<p>Last quarter the company beat on EPS by $0.28 which was followed by a 3.0% drop in the share price the next day.</p>
<p>Here's a look at Kemper's past performance:</p>
<p>
<table>
<thead>
<tr>
<th><strong>Quarter</strong></th>
<th><strong>Q3 2024</strong></th>
<th><strong>Q2 2024</strong></th>
<th><strong>Q1 2024</strong></th>
<th><strong>Q4 2023</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>EPS Estimate</strong></td>
<td>1.34</td>
<td>1.06</td>
<td>1.09</td>
<td>0.72</td>
</tr>
<tr>
<td><strong>EPS Actual</strong></td>
<td>1.62</td>
<td>1.42</td>
<td>1.07</td>
<td>0.78</td>
</tr>
<tr>
<td><strong>Revenue Estimate</strong></td>
<td>1.03B</td>
<td>977.85M</td>
<td>988.37M</td>
<td>1.04B</td>
</tr>
<tr>
<td><strong>Revenue Actual</strong></td>
<td>1.18B</td>
<td>1.13B</td>
<td>1.14B</td>
<td>1.19B</td>
</tr>
</tbody>
</table>
</p>
<p>To track all earnings releases for Kemper <a href="https://www.benzinga.com/quote/KMPR/earnings">visit their earnings calendar here.</a> </p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Insights into Kemper Q4 Earnings

<p>Kemper (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KMPR#NYSE">KMPR</a>) reported quarterly earnings of $1.78 per share which beat the analyst consensus estimate of $1.35 by 31.85 percent. This is a 128.21 percent increase over earnings of $0.78 per share from the same period last year.  The company reported quarterly sales of $1.19 billion which beat the analyst consensus estimate of $1.08 billion by 9.62 percent.  This is the same as the same period last year.</p>


Earnings Beats

Kemper Q4 2024 Adj EPS $1.78 Beats $1.35 Estimate, Sales $1.19B Beat $1.08B Estimate

<p><strong>Kemper</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KMPR#NYSE">KMPR</a>) just disclosed its Q4 earnings on Wednesday, February 5, 2025 at 04:05 PM.</p>
<p>Here's a brief overview of the earnings report.</p>
<h3>Earnings</h3>
<p>Kemper beat estimated earnings by 31.0%, reporting an EPS of $1.78 versus an estimate of $1.36.</p>
<p>Revenue was down $0 from the same period last year.</p>
<h3>Performance in Previous Earnings</h3>
<p>Last quarter the company beat on EPS by $0.28 which was followed by a 3.0% drop in the share price the next day.</p>
<p>Here's a look at Kemper's past performance:</p>
<p>
<table>
<thead>
<tr>
<th><strong>Quarter</strong></th>
<th><strong>Q3 2024</strong></th>
<th><strong>Q2 2024</strong></th>
<th><strong>Q1 2024</strong></th>
<th><strong>Q4 2023</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>EPS Estimate</strong></td>
<td>1.34</td>
<td>1.06</td>
<td>1.09</td>
<td>0.72</td>
</tr>
<tr>
<td><strong>EPS Actual</strong></td>
<td>1.62</td>
<td>1.42</td>
<td>1.07</td>
<td>0.78</td>
</tr>
<tr>
<td><strong>Revenue Estimate</strong></td>
<td>1.03B</td>
<td>977.85M</td>
<td>988.37M</td>
<td>1.04B</td>
</tr>
<tr>
<td><strong>Revenue Actual</strong></td>
<td>1.18B</td>
<td>1.13B</td>
<td>1.14B</td>
<td>1.19B</td>
</tr>
</tbody>
</table>
</p>
<p>To track all earnings releases for Kemper <a href="https://www.benzinga.com/quote/KMPR/earnings">visit their earnings calendar here.</a> </p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Kemper Q4 Earnings Summary & Key Takeaways

<p><strong>Kemper</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KMPR#NYSE">KMPR</a>) announced its Q4 earnings on Wednesday, February 5, 2025 at 04:05 PM.</p>
<p>Here's a breakdown of the earnings report.</p>
<h3>Earnings</h3>
<p>Kemper beat estimated earnings by 31.0%, reporting an EPS of $1.78 versus an estimate of $1.36.</p>
<p>Revenue was down $0 from the same period last year.</p>
<h3>Overview of Past Earnings</h3>
<p>The company beat on EPS by $0.28 in the previous quarter, leading to a 3.0% drop share price change the next day.</p>
<p>Here's a look at Kemper's past performance:</p>
<p>
<table>
<thead>
<tr>
<th><strong>Quarter</strong></th>
<th><strong>Q3 2024</strong></th>
<th><strong>Q2 2024</strong></th>
<th><strong>Q1 2024</strong></th>
<th><strong>Q4 2023</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>EPS Estimate</strong></td>
<td>1.34</td>
<td>1.06</td>
<td>1.09</td>
<td>0.72</td>
</tr>
<tr>
<td><strong>EPS Actual</strong></td>
<td>1.62</td>
<td>1.42</td>
<td>1.07</td>
<td>0.78</td>
</tr>
<tr>
<td><strong>Revenue Estimate</strong></td>
<td>1.03B</td>
<td>977.85M</td>
<td>988.37M</td>
<td>1.04B</td>
</tr>
<tr>
<td><strong>Revenue Actual</strong></td>
<td>1.18B</td>
<td>1.13B</td>
<td>1.14B</td>
<td>1.19B</td>
</tr>
</tbody>
</table>
</p>
<p>To track all earnings releases for Kemper <a href="https://www.benzinga.com/quote/KMPR/earnings">visit their earnings calendar here.</a> </p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Kemper Earnings Report: Q4 Overview

<p>The new annual dividend amount is $1.28 per share, as compared to the current dividend amount of $1.24 per share.</p>
<p>The dividend is payable on March 4, 2025, to shareholders of record as of February 18, 2025.</p>
<p><br />&nbsp;</p>


Dividends

Kemper Raises Quarterly Dividend By 3.1% From $0.31 To $0.32 Per Share

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Earnings Scheduled For February 5, 2025

<p>Top Wall Street analysts changed their outlook on these top names. For a complete view of all analyst rating changes, including upgrades and downgrades, please see our <a href="https://www.benzinga.com/analyst-stock-ratings">analyst ratings page</a>.</p>
<ul>
<li>HC Wainwright &amp; Co. raised <strong>Anavex Life Sciences Corp</strong>. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AVXL#NASDAQ">AVXL</a>) price target from $40 to $42. HC Wainwright &amp; Co. analyst Raghuram Selvaraju maintained a Buy rating. Anavex Life Sciences shares closed at $10.87 on Tuesday. <a href="https://www.benzinga.com/quote/AVXL/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Raymond James raised the price target for <strong>Kemper Corporation</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KMPR#NYSE">KMPR</a>) from $75 to $82. Raymond James analyst C. Gregory Peters maintained a Strong Buy rating. Kemper shares closed at $65.25 on Tuesday. <a href="https://www.benzinga.com/quote/KMPR/analyst-ratings">See </a><a href="https://www.benzinga.com/quote/MSFT/analyst-ratings">how other analysts view this stock.</a></li>
<li>Needham boosted the price target for <strong>ACV Auctions Inc.</strong> (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ACVA#NASDAQ">ACVA</a>) from $26 to $28. Needham analyst Chris Pierce maintained a Buy rating. ACV Auctions shares closed at $21.67 on Tuesday. <a href="https://www.benzinga.com/quote/ACVA/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>HC Wainwright &amp; Co. cut the price target for <strong>PolyPid Ltd</strong>. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPD#NASDAQ">PYPD</a>) from $14 to $11. HC Wainwright &amp; Co. analyst Raghuram Selvaraju maintained a Buy rating. PolyPid shares closed at $2.97 on Tuesday. <a href="https://www.benzinga.com/quote/PYPD/analyst-ratings">See how other analysts view this stock.</a></li>
</ul>
<p><strong>Read This Next: </strong></p>
<ul>
<li><strong><a href="https://www.benzinga.com/24/12/42669200/wall-streets-most-accurate-analysts-give-their-take-on-3-utilities-stocks-with-over-4-dividend-yields">Wall Street&#8217;s Most Accurate Analysts Give Their Take On 3 Utilities Stocks With Over 4% Dividend Yields</a></strong></li>
</ul>


Markets

Trading Ideas

ACVA

AVXL

PYPD

Kemper To Rally More Than 25%? Here Are 4 Top Analyst Forecasts For Thursday

<p>Raymond James  analyst C. Gregory Peters   maintains Kemper (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KMPR#NYSE">KMPR</a>) with a Strong Buy and raises the price target from $75 to $82.</p>


Raymond James Maintains Strong Buy on Kemper, Raises Price Target to $82

<p>TD Cowen   maintains Kemper (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KMPR#NYSE">KMPR</a>) with a Buy and raises the price target from $72 to $84.</p>


TD Cowen Maintains Buy on Kemper, Raises Price Target to $84

<p>Kemper (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KMPR#NYSE">KMPR</a>) reported quarterly earnings of $1.62 per share which beat the analyst consensus estimate of $1.34 by 20.9 percent.  The company reported quarterly sales of $1.18 billion which beat the analyst consensus estimate of $1.03 billion by 14.88 percent.  This is a 1.67 percent decrease over sales of $1.20 billion the same period last year.</p>


Kemper Q3 2024 Adj EPS $1.62 Beats $1.34 Estimate, Sales $1.18B Beat $1.03B Estimate

<p>Kemper (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KMPR#NYSE">KMPR</a>) reported quarterly sales of $1.18 billion which beat the analyst consensus estimate of $1.03 billion by 14.88 percent.  This is a 1.67 percent decrease over sales of $1.20 billion the same period last year.</p>


Kemper Q3 Sales $1.18B Beat $1.03B Estimate

<p>Kemper (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KMPR#NYSE">KMPR</a>) will release its quarterly earnings report on Wednesday, 2024-10-30. Here's a brief overview for investors ahead of the announcement.</p>
<p>Analysts anticipate Kemper to report an <strong>earnings per share</strong> (EPS) of $1.37.</p>
<p>Investors in Kemper are eagerly awaiting the company's announcement, hoping for news of surpassing estimates and positive guidance for the next quarter.</p>
<p>It's worth noting for new investors that stock prices can be heavily influenced by future projections rather than just past performance.</p>
<h3>Historical Earnings Performance</h3>
<p>In the previous earnings release, the company beat EPS by $0.36, leading to a 6.24% drop in the share price the following trading session.</p>
<p>Here's a look at Kemper's past performance and the resulting price change:</p>
<p>
<table>
<thead>
<tr>
<th><strong>Quarter</strong></th>
<th><strong>Q2 2024</strong></th>
<th><strong>Q1 2024</strong></th>
<th><strong>Q4 2023</strong></th>
<th><strong>Q3 2023</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>EPS Estimate</strong></td>
<td>1.06</td>
<td>1.09</td>
<td>0.72</td>
<td>-0.37</td>
</tr>
<tr>
<td><strong>EPS Actual</strong></td>
<td>1.42</td>
<td>1.07</td>
<td>0.78</td>
<td>-0.44</td>
</tr>
<tr>
<td><strong>Price Change %</strong></td>
<td>-6.0%</td>
<td>-0.0%</td>
<td>-5.0%</td>
<td>-5.0%</td>
</tr>
</tbody>
</table>
</p>
<p><img src="https://www.benzinga.com/files/images/story/2024/1730214156_0.png" alt="eps graph" /></p>
<h3>Kemper Share Price Analysis</h3>
<p>Shares of Kemper were trading at $64.34 as of October 28. Over the last 52-week period, shares are up 61.93%. Given that these returns are generally positive, long-term shareholders are likely bullish going into this earnings release. </p>
<p><a href="https://www.benzinga.com/quote/KMPR/earnings"><strong>To track all earnings releases for Kemper visit their earnings calendar on our site.</strong></a></p>
<p><em>This article was generated by Benzinga's automated content engine and reviewed by an editor.</em></p>


What to Expect from Kemper's Earnings

<p>Ratings for Kemper (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KMPR#NYSE">KMPR</a>) were provided by 5 analysts in the past three months, showcasing a mix of bullish and bearish perspectives.</p>
<p>The following table encapsulates their recent ratings, offering a glimpse into the evolving sentiments over the past 30 days and comparing them to the preceding months.</p>
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;"><strong>Bullish</strong></th>
<th style="text-align: right;"><strong>Somewhat Bullish</strong></th>
<th style="text-align: right;"><strong>Indifferent</strong></th>
<th style="text-align: right;"><strong>Somewhat Bearish</strong></th>
<th style="text-align: right;"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>1M Ago</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>2M Ago</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>3M Ago</strong></td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
<p>Analysts have set 12-month price targets for Kemper, revealing an average target of $79.2, a high estimate of $85.00, and a low estimate of $71.00. This current average has increased by 4.49% from the previous average price target of $75.80. </p>
<p><img src="https://www.benzinga.com/files/images/story/2024/1729011636_0.png" alt="price target chart" /></p>
<h2>Diving into Analyst Ratings: An In-Depth Exploration</h2>
<p>The perception of Kemper by financial experts is analyzed through recent analyst actions. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.</p>
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Matthew Carletti</td>
<td>JMP Securities</td>
<td>Maintains</td>
<td>Market Outperform</td>
<td>$85.00</td>
<td>$85.00</td>
</tr>
<tr>
<td>Seth Rosenfeld</td>
<td>UBS</td>
<td>Raises</td>
<td>Buy</td>
<td>$71.00</td>
<td>$67.00</td>
</tr>
<tr>
<td>C. Gregory Peters</td>
<td>Raymond James</td>
<td>Raises</td>
<td>Strong Buy</td>
<td>$75.00</td>
<td>$70.00</td>
</tr>
<tr>
<td>Matthew Carletti</td>
<td>JMP Securities</td>
<td>Raises</td>
<td>Market Outperform</td>
<td>$85.00</td>
<td>$80.00</td>
</tr>
<tr>
<td>Paul Newsome</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Overweight</td>
<td>$80.00</td>
<td>$77.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li><strong>Action Taken:</strong> Analysts frequently update their recommendations based on evolving market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Kemper. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li><strong>Rating:</strong> Analysts unravel qualitative evaluations for stocks, ranging from 'Outperform' to 'Underperform'. These ratings offer insights into expectations for the relative performance of Kemper compared to the broader market.</li>
<li><strong>Price Targets:</strong> Analysts navigate through adjustments in price targets, providing estimates for Kemper's future value. Comparing current and prior targets offers insights into analysts' evolving expectations.</li>
</ul>
<p>Assessing these analyst evaluations alongside crucial financial indicators can provide a comprehensive overview of Kemper's market position. Stay informed and make well-judged decisions with the assistance of our Ratings Table.</p>
<p><a href="https://www.benzinga.com/quote/KMPR/analyst-ratings?utm_source=Benzinga Insights"><strong>Stay up to date on Kemper analyst ratings.</strong></a></p>
<h2>About Kemper</h2>
<p>Kemper Corp is a diversified insurance company that provides services in property and casualty insurance, along with life and health insurance. The company's property and casualty segment offers personal and commercial lines for home and automotive products. The company conducts its operations through two operating segments: Specialty Property &amp; Casualty Insurance, and Life Insurance.</p>
<h3>Financial Insights: Kemper</h3>
<p><strong>Market Capitalization Analysis:</strong> Reflecting a smaller scale, the company's market capitalization is positioned below industry averages. This could be attributed to factors such as growth expectations or operational capacity.</p>
<p><strong>Revenue Challenges:</strong> Kemper's revenue growth over 3 months faced difficulties. As of 30 June, 2024, the company experienced a decline of approximately <strong>-9.2%</strong>. This indicates a decrease in top-line earnings. As compared to its peers, the revenue growth lags behind its industry peers. The company achieved a growth rate lower than the average among peers in Financials sector.</p>
<p><strong>Net Margin:</strong> Kemper's net margin is below industry averages, indicating potential challenges in maintaining strong profitability. With a net margin of <strong>6.62%,</strong> the company may face hurdles in effective cost management.</p>
<p><strong>Return on Equity (ROE):</strong> Kemper's ROE falls below industry averages, indicating challenges in efficiently using equity capital. With an ROE of <strong>2.87%,</strong> the company may face hurdles in generating optimal returns for shareholders.</p>
<p><strong>Return on Assets (ROA):</strong> Kemper's ROA is below industry standards, pointing towards difficulties in efficiently utilizing assets. With an ROA of <strong>0.6%,</strong> the company may encounter challenges in delivering satisfactory returns from its assets.</p>
<p><strong>Debt Management:</strong> With a high debt-to-equity ratio of <strong>0.52</strong>, Kemper faces challenges in effectively managing its debt levels, indicating potential financial strain.</p>
<h2>Understanding the Relevance of Analyst Ratings</h2>
<p>Ratings come from analysts, or specialists within banking and financial systems that report for specific stocks or defined sectors (typically once per quarter for each stock). Analysts usually derive their information from company conference calls and meetings, financial statements, and conversations with important insiders to reach their decisions.</p>
<p>Analysts may supplement their ratings with predictions for metrics like growth estimates, earnings, and revenue, offering investors a more comprehensive outlook. However, investors should be mindful that analysts, like any human, can have subjective perspectives influencing their forecasts.</p>
<p><strong>Which Stocks Are Analysts Recommending Now?</strong></p>
<p>Benzinga Edge gives you instant access to all major analyst upgrades, downgrades, and price targets. Sort by accuracy, upside potential, and more. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=be8be9arja3be22bz21&amp;utm_source=benzinga-insights"><strong>Click here to stay ahead of the market</strong></a>.</p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Decoding 5 Analyst Evaluations For Kemper

<p>JMP Securities  analyst Matthew Carletti   reiterates Kemper (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KMPR#NYSE">KMPR</a>) with a Market Outperform and maintains $85 price target.</p>


Reiteration

JMP Securities Reiterates Market Outperform on Kemper, Maintains $85 Price Target

<p>Shares of <strong>MGIC Investment Corporation </strong>(NYSE: <a class="ticker" href="https://www.benzinga.com/stock/mtg#NYSE">MTG</a>)&nbsp;have rallied 23.8% year to date, outperforming the industry&#39;s growth of 12.7%, the Finance sector&#39;s rise of 10.4% and the Zacks S&amp;P 500 composite&#39;s increase of 16.8%. With a market capitalization of $6.2 billion, the average volume of shares traded in the last three months was 1.7 million.</p>
<p>Solid insurance in force, a decline in loss and claims payments, lower delinquency, better housing market fundamentals and prudent capital deployment drive this Zacks Rank #1 (Strong Buy) mortgage insurer.</p>
<p>MTG has a solid earnings surprise history. It surpassed estimates in each of the last four quarters, the average earnings surprise being 15.59%. Earnings of MTG have risen 8.7% over the last five years.</p>
<p>Return on invested capital in the trailing 12 months was 11.4%, better than the industry average of 2.4%, reflecting MTG&#39;s efficiency in utilizing funds to generate income.</p>
<p><img alt="Zacks Investment Research" src="https://staticx-tuner.zacks.com/images/articles/charts/4d/74483.jpg?v=1683554658" /></p>
<p>Image Source: Zacks Investment Research</p>
<h3>Can the Stock Retain the Momentum?</h3>
<p>New business, combined with increasing annual persistency, drives growth of the insurance-in-force portfolio. A higher level of new and existing home sales, increased percentage of homes purchased for cash and improved level of refinance activity in an improving housing market should help this largest private mortgage insurer in the United States retain the momentum.</p>
<p>MTG has been witnessing a declining pattern of claim filings. A decline in loss and claims will strengthen the balance sheet and improve the insurer&#39;s financial profile.</p>
<p>Banking on capital contribution, reinsurance transactions and cash position, the company has been improving its capital position. Both leverage and times interest earned ratios have been improving.</p>
<p>A solid capital position supports MTG in wealth distribution to shareholders via dividend hikes and share buybacks.&nbsp; The latest 13% increase in its quarterly dividend to 13 cents per share marked four straight years of dividend increases at a compound annual growth rate of 21%. The company currently has $724 million remaining in its authorization kitty through December 2026. Its share repurchase activity reflects continued strong mortgage credit performance.</p>
<p>The Zacks Consensus Estimate for 2024 earnings is pegged at $2.70 per share, suggesting an increase of 6.7% on 4.7% higher revenues of $1.2 billion. The consensus estimate for 2025 earnings per share is $2.72, suggesting an increase of 0.7% on 4.7% higher revenues of $1.3 billion. The long-term earnings growth rate is expected to be 6.8%.</p>
<p>The Zacks Consensus Estimate for 2024 and 2025 earnings has moved 7.1% and 4.6% north, respectively, in the past 30 days, reflecting analyst optimism.&nbsp;</p>
<h3>Other Stocks to Consider</h3>
<p>Other players in the insurance industry are <strong>CNO Financial Group </strong>(NYSE: <a class="ticker" href="https://www.benzinga.com/stock/cno#NYSE">CNO</a>), <strong>Enact Holdings </strong>(NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/act#NASDAQ">ACT</a>) and <strong>Kemper Corporation </strong>(NYSE: <a class="ticker" href="https://www.benzinga.com/stock/kmpr#NYSE">KMPR</a>), each sporting a Zacks Rank #1.</p>
<p>CNO Financial earnings surpassed estimates in three of the last four quarters and missed in one, the average beat being 21.21%. Year to date, CNO has rallied 16.5%.</p>
<p>The Zacks Consensus Estimate for CNO&#39;s 2024 and 2025 earnings implies 11% and 6.2% year-over-year growth, respectively.</p>
<p>Enact Holdings earnings surpassed estimates in each of the last four quarters, the average earnings surprise being 13.96%. Year to date, ACT stock has surged 18%.</p>
<p>The Zacks Consensus Estimate for ACT&#39;s 2024 and 2025 earnings indicates 1% year-over-year growth each.</p>
<p>Kemper&#39;s earnings surpassed estimates in two of the last four quarters, missed in one and met estimates in one, the average earnings surprise being 6.93%. Year to date, KMPR stock has surged 28.6%.</p>
<p>The Zacks Consensus Estimate for KMPR&#39;s 2024 and 2025 earnings suggests 796.6% and 14.6% year-over-year growth, respectively.</p>
<p><a href="https://www.zacks.com/stock/news/2323202/mgic-investment-mtg-gains-24-ytd-more-room-for-growth?cid=CS-BENZ-FT-analyst_blog|price_surge_/_plunge-2323202">To read this article on Zacks.com click here.</a></p>


Mid Cap

Buybacks

MGIC Investment Gains 24% YTD: More Room for Growth?

<p>UBS  analyst Seth Rosenfeld   maintains Kemper (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KMPR#NYSE">KMPR</a>) with a Buy and raises the price target from $67 to $71.</p>


UBS Maintains Buy on Kemper, Raises Price Target to $71

<p>Kemper (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KMPR#NYSE">KMPR</a>) underwent analysis by 4 analysts in the last quarter, revealing a spectrum of viewpoints from bullish to bearish.</p>
<p>The table below provides a snapshot of their recent ratings, showcasing how sentiments have evolved over the past 30 days and comparing them to the preceding months.</p>
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;"><strong>Bullish</strong></th>
<th style="text-align: right;"><strong>Somewhat Bullish</strong></th>
<th style="text-align: right;"><strong>Indifferent</strong></th>
<th style="text-align: right;"><strong>Somewhat Bearish</strong></th>
<th style="text-align: right;"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>1M Ago</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>2M Ago</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td><strong>3M Ago</strong></td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
<p>Insights from analysts' 12-month price targets are revealed, presenting an average target of $80.0, a high estimate of $85.00, and a low estimate of $75.00. This upward trend is evident, with the current average reflecting a 5.96% increase from the previous average price target of $75.50.</p>
<p><img src="https://www.benzinga.com/files/images/story/2024/1723140028_0.png" alt="price target chart" /></p>
<h2>Deciphering Analyst Ratings: An In-Depth Analysis</h2>
<p>An in-depth analysis of recent analyst actions unveils how financial experts perceive Kemper. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.</p>
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>C. Gregory Peters</td>
<td>Raymond James</td>
<td>Raises</td>
<td>Strong Buy</td>
<td>$75.00</td>
<td>$70.00</td>
</tr>
<tr>
<td>Matthew Carletti</td>
<td>JMP Securities</td>
<td>Raises</td>
<td>Market Outperform</td>
<td>$85.00</td>
<td>$80.00</td>
</tr>
<tr>
<td>Paul Newsome</td>
<td>Piper Sandler</td>
<td>Raises</td>
<td>Overweight</td>
<td>$80.00</td>
<td>$77.00</td>
</tr>
<tr>
<td>Matthew Carletti</td>
<td>JMP Securities</td>
<td>Raises</td>
<td>Market Outperform</td>
<td>$80.00</td>
<td>$75.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li><strong>Action Taken:</strong> Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Kemper. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li><strong>Rating:</strong> Analyzing trends, analysts offer qualitative evaluations, ranging from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Kemper compared to the broader market.</li>
<li><strong>Price Targets:</strong> Analysts explore the dynamics of price targets, providing estimates for the future value of Kemper's stock. This examination reveals shifts in analysts' expectations over time.</li>
</ul>
<p>For valuable insights into Kemper's market performance, consider these analyst evaluations alongside crucial financial indicators. Stay well-informed and make prudent decisions using our Ratings Table.</p>
<p><a href="https://www.benzinga.com/quote/KMPR/analyst-ratings?utm_source=Benzinga Insights"><strong>Stay up to date on Kemper analyst ratings.</strong></a></p>
<h2>Unveiling the Story Behind Kemper</h2>
<p>Kemper Corp is a diversified insurance company that provides services in property and casualty insurance, along with life and health insurance. The company's property and casualty segment offers personal and commercial lines for home and automotive products. The company conducts its operations through two operating segments: Specialty Property &amp; Casualty Insurance, and Life Insurance.</p>
<h3>Financial Milestones: Kemper's Journey</h3>
<p><strong>Market Capitalization Perspectives:</strong> The company's market capitalization falls below industry averages, signaling a relatively smaller size compared to peers. This positioning may be influenced by factors such as perceived growth potential or operational scale.</p>
<p><strong>Revenue Challenges:</strong> Kemper's revenue growth over 3 months faced difficulties. As of 30 June, 2024, the company experienced a decline of approximately <strong>-9.2%</strong>. This indicates a decrease in top-line earnings. As compared to its peers, the revenue growth lags behind its industry peers. The company achieved a growth rate lower than the average among peers in Financials sector.</p>
<p><strong>Net Margin:</strong> Kemper's net margin lags behind industry averages, suggesting challenges in maintaining strong profitability. With a net margin of <strong>6.62%,</strong> the company may face hurdles in effective cost management.</p>
<p><strong>Return on Equity (ROE):</strong> The company's ROE is below industry benchmarks, signaling potential difficulties in efficiently using equity capital. With an ROE of <strong>2.87%,</strong> the company may need to address challenges in generating satisfactory returns for shareholders.</p>
<p><strong>Return on Assets (ROA):</strong> Kemper's ROA falls below industry averages, indicating challenges in efficiently utilizing assets. With an ROA of <strong>0.6%,</strong> the company may face hurdles in generating optimal returns from its assets.</p>
<p><strong>Debt Management:</strong> Kemper's debt-to-equity ratio is notably higher than the industry average. With a ratio of <b>0.52</b>, the company relies more heavily on borrowed funds, indicating a higher level of financial risk.</p>
<h2>How Are Analyst Ratings Determined?</h2>
<p>Within the domain of banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their work involves attending company conference calls and meetings, researching company financial statements, and communicating with insiders to publish "analyst ratings" for stocks. Analysts typically assess and rate each stock once per quarter.</p>
<p>Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.</p>
<p>If you want to keep track of which analysts are outperforming others, you can view updated analyst ratings along withanalyst success scores in <a href="https://benzinga.grsm.io/register174">Benzinga Pro</a>.</p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


In-Depth Examination Of 4 Analyst Recommendations For Kemper

<p>Raymond James  analyst C. Gregory Peters   maintains Kemper (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KMPR#NYSE">KMPR</a>) with a Strong Buy and raises the price target from $70 to $75.</p>


Raymond James Maintains Strong Buy on Kemper, Raises Price Target to $75

Press Releases

The Kemper Foundation Expands Read Conmigo Grant Program to Support School-Wide Dual-Language Education Initiatives

The Kemper Foundation Opens Applications for Read Conmigo School Impact Grants in Greater Los Angeles

The Kemper Foundation Opens Applications for Read Conmigo School Impact Grants in Dallas and Hidalgo Counties

The Kemper Foundation Opens Applications for Read Conmigo School Impact Grants in Miami-Dade and Broward Counties

Kemper Announces Early Redemption Date of $450 Million of 4.350% Senior Notes Due 2025

The Kemper Foundation Donates $125,000 to Support California Wildfire Relief for Latino Communities

Kemper Announces Schedule for Fourth Quarter 2024 Earnings Release

Kemper Announces Dividend Increase

Kemper Reports Fourth Quarter 2024 Operating Results*

Kemper Completes Redemption of $450 Million of 4.350% Senior Notes Due 2025

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