KemperKMPR -2.61%51 FCF Margin % is 7.08% as of Mar. 2026, which is 7% below its 10-year median of 7.65. 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. Among 501 Insurance companies, Kemper ranks better than 50.5% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Kemper's Free Cash Flow for the
three
months ended in Mar. 2026 was $78 Mil. Kemper's Revenue for the
three
months ended in Mar. 2026 was $1,100 Mil. Therefore, Kemper's FCF Margin % for the quarter that ended in Mar. 2026 was 7.08%.
The historical rank and industry rank for Kemper's FCF Margin % or its related term are showing as below:
KMPR'
s FCF Margin % Range Over the Past 10 Years
Min: -4.42 Med: 7.65 Max: 12.85
Current: 9.79
During the past 13 years, the highest FCF Margin % of Kemper was 12.85%. The lowest was -4.42%. And the median was 7.65%.
KMPR's FCF Margin % is ranked better than 50.5% of 501
companies
in the Insurance industry
Industry Median: 9.6
vs KMPR: 9.79
Kemper FCF Margin % Related Terms
Kemper FCF Margin % Historical Data
* Premium members only.
The historical data trend for Kemper's FCF Margin % 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.
For the Insurance - Property & Casualty subindustry, Kemper's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Kemper's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Kemper's FCF Margin % falls into.
* 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 (KMPR) has a FCF Margin % of 7.08% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Kemper and its competitors. This is near median its historical median of 7.65. According to the industry distribution chart, Kemper ranks #248 out of 501 companies in the Insurance industry, placing it in the top 49.5%.
Is Kemper's FCF Margin % too high?
Kemper's current FCF Margin % of 7.08% is near median its 10-year median of 7.65. The Insurance industry median FCF Margin % is 9.60. Kemper's value of 7.08% is 26.3% below this industry median. Based on the distribution chart, Kemper ranks #248 out of 501 companies in the Insurance industry, which is above the industry midpoint. 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 FCF Margin % compare to PRA and PRCH?
According to the Insurance industry distribution chart, Kemper ranks #248 out of 501 companies for FCF Margin %. This puts Kemper in the upper half of its industry. The industry median FCF Margin % is 9.60. Kemper's value of 7.08% is 26.3% below this benchmark. While the company's 10-year median is 7.65 vs. the industry median of 9.60, Kemper has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kemper's current FCF Margin % of 7.08% is 26.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Kemper and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kemper's current FCF Margin % is 7.08%, which is near median its own 10-year median of 7.65. 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 FCF Margin % is 7.08%, which is near median its 10-year median of 7.65 and 26.3% below the Insurance industry median of 9.60. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Kemper (KMPR), the current FCF Margin % is 7.08% 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:
FCF Margin %: 7.08% (near median its 10-year median of 7.65)
GF Value™: $55.81 vs. price of $25.40 (54.5% below fair value)
Industry Position: 26.3% below the Insurance median (#248 of 501)
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 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
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