What is the 13F Pro Quality Score for KMPB?

13F Pro ranks KEMPER Corp (KMPB) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View KMPB's current score at https://13fpro.ai/research/KMPB (free sign-up required for the full ranking).

Where does 13F Pro source KMPB data?

All KEMPER Corp fundamentals and ownership data come directly from SEC EDGAR. KEMPER Corp files with the SEC under CIK 860748. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is KMPB in?

KEMPER Corp (KMPB) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is KMPB research updated on 13F Pro?

KMPB's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

KEMPER Corp(KMPB)Stock Analysis

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13F Pro Quality Score

50.4/100

Rank #1,455 of 2,879 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

27.9/100

Profitability

53.3/100

Balance Sheet

45.7/100

Earnings Quality

30.0/100

Free Cash Flow

62.8/100

Institutional Flow

25.0/100

Revenue Scale

77.4/100

Dilution Risk

70.3/100

KMPB Stock Analysis & AI Quality Score

AI stock analysis and institutional research for KEMPER Corp (KMPB), a Financials sector company. 13F Pro's AI-powered ranking engine scores KMPB at 50.4/100 on a 32-signal composite quality model, placing it at rank #1,455 of 2,879 stocks — the bottom half of the AI-ranked universe. KMPB scores in the top quartile across revenue scale (77.4). Areas of concern include institutional flow (25.0) and revenue growth (27.9), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), KEMPER Corp reports quarterly revenue of $1.1B, net income of $-1.7M, an operating margin of -0.1%. Top institutional holders of KMPB by reported 13-F value include BlackRock,, FULLER & THALER ASSET MANAGEMENT,, VANGUARD PORTFOLIO MANAGEMENT, based on the most recent SEC filings. KMPB trades on the NYSE exchange and files with the SEC under CIK 860748. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate KMPB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for KEMPER Corp directly from SEC EDGAR. KEMPER Corp's 13F Pro composite quality score has ranged between 8 and 62 since 2021, currently 50.4 — a declining long-term trajectory across 56 quarterly and live scoring snapshots.

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Fun facts about KEMPER Corp

Quirks, history, and lore behind KMPB — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. insurance holding company · listed on the NYSE · headquartered in Illinois · operates across personal and commercial lines.
2
The Numbers
Annual revenue in the range of roughly $3–4 billion, with a business that spans auto, homeowners, life, and specialty insurance — a mid-size player in a giant industry.
3
The History
Founded in the early 20th century, it grew steadily through acquisitions rather than flashy ad campaigns, quietly assembling a portfolio of regional insurance brands across America.
4
The Secret
It targets preferred-risk customers — the kind of policyholders bigger carriers fight over — and leans heavily on independent agents rather than direct-to-consumer selling.
5
The Lore
The company operates a specialty segment that includes insurance for trucking and transportation businesses — not your typical kitchen-table insurer.
6
The Giveaway
Its name rhymes with a Civil War general, its ticker starts with KMP, and its subsidiaries include Alliance United and Merastar — mid-America's quiet insurance empire.

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Revenue

Q1 2026

$1.1B

Net Income

Q1 2026

$-1.7M

Free Cash Flow

Q1 2026

$77.9M

Operating Margin

Q1 2026

-0.1%

ROIC

Q1 2026

-0.1%

D/E Ratio

Q1 2026

0.36

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+3.3% YoY

$4.79BFY 2025

FY21 $5.72BFY23 $4.94BFY24 $4.64BFY25 $4.79B

Net Income

-54.9% YoY

$143.3MFY 2025

FY21 $-123.7MFY23 $-272.1MFY24 $317.8MFY25 $143.3M

Operating Income

—FY 2025

FY21 $-334.0MFY23 $-68.9MFY24 —FY25 —

EPS (Diluted)

-53.4% YoY

$2.29FY 2025

FY21 $-1.92FY23 $-4.25FY24 $4.91FY25 $2.29

Total Assets

-1.2% YoY

$12.47BFY 2025

FY21 $14.92BFY23 $12.74BFY24 $12.63BFY25 $12.47B

Total Debt

-48.8% YoY

$943.5MFY 2025

FY21 $1.12BFY23 $1.39BFY24 $1.84BFY25 $943.5M

Op. Cash Flow

+52.7% YoY

$584.5MFY 2025

FY21 $350.7MFY23 $-134.2MFY24 $382.9MFY25 $584.5M

Metric	FY 2025	FY 2024	FY 2023	FY 2021	FY 2020	FY 2019
Revenue	$4.79B +3.3%	$4.64B -6.2%	$4.94B -13.5%	$5.72B +9.9%	$5.21B +3.3%	$5.04B
Net Income	$143.3M -54.9%	$317.8M +216.8%	$-272.1M -120.0%	$-123.7M -130.2%	$409.9M -22.8%	$531.1M
Operating Income	—	—	$-68.9M +79.4%	$-334.0M -161.1%	$546.8M +5.4%	$518.8M
EPS (Diluted)	$2.29 -53.4%	$4.91 +215.5%	$-4.25 -121.4%	$-1.92 -131.3%	$6.14 -22.9%	$7.96
Total Assets	$12.47B -1.2%	$12.63B -0.9%	$12.74B -14.6%	$14.92B +4.0%	$14.34B +10.4%	$12.99B
Total Debt	$943.5M -48.8%	$1.84B +32.6%	$1.39B +23.8%	$1.12B -4.3%	$1.17B +50.7%	$778.4M
Operating Cash Flow	$584.5M +52.7%	$382.9M +385.3%	$-134.2M -138.3%	$350.7M -21.7%	$448.0M -16.2%	$534.3M

AI Insight: KMPB Financial Trends

Kemper swung to losses in late 2025 and Q1 2026 despite stable debt and modest revenue growth, signaling operational deterioration.

• Revenue grew 2% from Q2 2024 ($1,130M) to Q1 2026 ($1,107M) but declined 5% sequentially Q4 2025 to Q1 2026.

• Net income collapsed from $97M profit in Q4 2024 to -$2M loss in Q1 2026, with three consecutive loss-making quarters.

• Operating cash flow volatile: $175M in Q4 2024, fell to $89M in Q1 2026, indicating stress in working capital conversion.

⚠ Equity collapsed from $2,788M (Q4 2024) to $2,650M (Q1 2026); debt stable at ~$944M suggests equity erosion driving deterioration.

⚠ Operating income unavailable since Q4 2024; absence of transparency on margin drivers amid profitability decline warrants clarification.

AI Insight: KMPB Ratio Trends

Kemper's profitability collapsed in Q3 2025 and remains deeply underwater through Q1 2026, with negative net margins and near-zero returns on equity and assets.

• Net profit margin plummeted from 8.4% in Q1 2025 to -1.7% in Q3 2025, stabilizing near zero by Q1 2026.

• ROE deteriorated from 109.0% in Q1 2025 to -3.1% in Q3 2025, with TTM ROE of just 1.6% as of March 2026.

• Debt-to-equity ratio surged to 2.57x in Q1 2025, elevated through Q2 2025, then normalized to 0.35–0.36x by year-end.

⚠ Sustained negative profitability (Q3 2025–Q1 2026) suggests ongoing underwriting or operational stress requiring urgent clarification.

⚠ ROA fell from 3.2% in Q1 2025 to -0.7% in Q3 2025; Q1 2026 TTM ROA of 0.3% shows minimal asset productivity recovery.

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Available Research

13F Pro tracks comprehensive data for KEMPER Corp including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of KMPB

BlackRock, Inc.
$224.8M7,355,142 sh
FULLER & THALER ASSET MANAGEMENT, INC.
$113.0M3,697,718 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$101.5M3,321,484 sh
D. E. Shaw & Co., Inc.
$81.1M2,654,631 sh
VANGUARD CAPITAL MANAGEMENT LLC
$80.3M2,629,208 sh
DIMENSIONAL FUND ADVISORS LP
$72.4M2,367,866 sh
STATE STREET CORP
$68.9M2,255,723 sh
AQR CAPITAL MANAGEMENT LLC
$38.7M1,274,521 sh
MILLENNIUM MANAGEMENT LLC
$33.8M1,106,788 sh
CITADEL ADVISORS LLC
$31.5M1,030,023 sh

Fund	Value	Shares
BlackRock, Inc.	$224.8M	7,355,142
FULLER & THALER ASSET MANAGEMENT, INC.	$113.0M	3,697,718
VANGUARD PORTFOLIO MANAGEMENT LLC	$101.5M	3,321,484
D. E. Shaw & Co., Inc.	$81.1M	2,654,631
VANGUARD CAPITAL MANAGEMENT LLC	$80.3M	2,629,208
DIMENSIONAL FUND ADVISORS LP	$72.4M	2,367,866
STATE STREET CORP	$68.9M	2,255,723
AQR CAPITAL MANAGEMENT LLC	$38.7M	1,274,521
MILLENNIUM MANAGEMENT LLC	$33.8M	1,106,788
CITADEL ADVISORS LLC	$31.5M	1,030,023

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Is KMPB a good stock to buy?

13F Pro's AI-powered analysis of KEMPER Corp (KMPB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for KMPB are available on the KMPB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own KMPB?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling KMPB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of KEMPER Corp's investment landscape.