KMPR (Kemper) EBIT: $69 Mil (TTM As of Mar. 2026)


KMPR Kemper Corp KMPR
51 GF Score
Price $25.40
GF Value $55.81
Valuation Significantly Undervalued
! 4 Warning Signs
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What is Kemper EBIT?

Kemper KMPR -2.61% 51 EBIT is $69 Mil as of Mar. 2026. GuruFocus rates KMPR with a GF Score™ of 51/100 and a GF Value™ of $55.81 (Significantly Undervalued). The stock has 4 warning signs investors should review.

Kemper's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was $1 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was $69 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Kemper's annualized ROC % for the quarter that ended in Mar. 2026 was 0.03%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Kemper's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 2.98%.


Kemper  (NYSE:KMPR) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Kemper's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=5.6 * ( 1 - 44.3% )/( (12403.165 + 12372.885)/ 2 )
=3.1192/12388.025
=0.03 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=12472.7 - 0 - ( 126 - 5% * 1129.3 )
=12403.165

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=12410.5 - 0 - ( 92.6 - 5% * 1099.7 )
=12372.885

Note: The EBIT data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Kemper's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=69.4/2332.306
=2.98 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Kemper EBIT Related Terms


Kemper EBIT Historical Data

* Premium members only.

The historical data trend for Kemper's EBIT can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Kemper EBIT Chart

Kemper Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only -205.70 -316.30 -291.00 445.40 199.20

Kemper Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 131.20 96.50 -24.00 -4.50 1.40

KMPR vs PRA, PRCH, UFCS: EBIT Comparison

For the Insurance - Property & Casualty subindustry, Kemper's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Kemper EV-to-EBIT vs Insurance Industry

For the Insurance industry and Financial Services sector, Kemper's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Kemper's EV-to-EBIT falls into.


KMPR
51GF Score
Kemper Corp KMPR
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Kemper EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $69 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of $69 Mil mean?
Kemper (KMPR) has a EBIT of $69 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Kemper.
Is Kemper's EBIT too high?
Kemper's current EBIT is $69 Mil. Overall, Kemper has a GF Score™ of 51/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kemper's EBIT compare to PRA and PRCH?
Kemper's EBIT of $69 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for an Insurance company?
A good EBIT depends on the Insurance industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Kemper. Kemper's current EBIT is $69 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kemper stock overvalued right now?
Based on GuruFocus' analysis, Kemper (KMPR) is currently considered Significantly Undervalued. The stock's GF Value™ is $55.81, compared to a current price of $25.40 — trading 54.5% below its estimated fair value. The current EBIT is $69 Mil. Kemper's overall GF Score™ is 51/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Kemper (KMPR), the current EBIT is $69 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Kemper (KMPR) Overvalued in 2026?

Based on GuruFocus' analysis, Kemper stock appears to be undervalued. The current stock price of $25.40 is trading 54.5% below its estimated GF Value™ of $55.81. GuruFocus considers Kemper to be Significantly Undervalued.

Key valuation signals for KMPR:

  • EBIT: $69 Mil
  • GF Value™: $55.81 vs. price of $25.40 (54.5% below fair value)
  • GF Score™: 51/100 with 4 warning signs

No single metric tells the full story. See the KMPR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Kemper Business Description

Other Exchanges UI2:Germany
Address 200 E. Randolph Street, Suite 3300, Chicago, IL, USA, 60601
Kemper Corp is an insurance holding company that offers complementary insurance products through its subsidiaries, including personal and commercial automobile insurance to consumers in targeted markets and industries. Kemper also offers life and other insurance solutions based on the needs of its clients. The company offers its insurance products through a vast network of agents and brokers, mainly under the Kemper Auto and Kemper Life brands. It has two operating segments: Specialty Property & Casualty Insurance and Life Insurance. The majority of the company's revenue is generated from the Specialty Property & Casualty Insurance segment, whose principal products are specialty personal automobile and commercial automobile insurance. Geographically, it operates only in the United States.
51GF Score

Get the complete analysis for KMPR

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$25.40
Price
$55.81
GF Value