KemperKMPR -2.61%51 Interest Coverage is 0.15 as of Mar. 2026, which is 97% below its 10-year median of 5.62. 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 351 Insurance companies, Kemper ranks worse than 92.59% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Kemper's
EBIT
for the
three
months ended in Mar. 2026 was $1 Mil. Kemper's Interest Expense for the
three
months ended in Mar. 2026 was $-9 Mil.
Kemper's interest coverage for the quarter that ended in Mar. 2026 was 0.15.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Kemper's Interest Coverage or its related term are showing as below:
KMPR'
s Interest Coverage Range Over the Past 10 Years
Min: 1.08 Med: 5.62 Max: 16.57
Current: 1.91
KMPR's Interest Coverage is ranked worse than 92.59% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs KMPR: 1.91
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Kemper Interest Coverage Related Terms
Kemper Interest Coverage Historical Data
* Premium members only.
The historical data trend for Kemper's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
KMPR vs PRA, PRCH, UFCS: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, Kemper's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Kemper's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Kemper's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 0.15 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Kemper and its competitors. This is 97% below median its historical median of 5.62. Over the past decade, Kemper's Interest Coverage has ranged from 1.08 to 16.57. According to the industry distribution chart, Kemper ranks #325 out of 351 companies in the Insurance industry, placing it in the top 92.6%.
Is Kemper's Interest Coverage too high?
Kemper's current Interest Coverage of 0.15 is 97% below median its 10-year median of 5.62. Over the past 10 years, this metric has ranged from a low of 1.08 to a high of 16.57. The Insurance industry median Interest Coverage is 16.23. Kemper's value of 0.15 is 99.1% below this industry median. Based on the distribution chart, Kemper ranks #325 out of 351 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 Interest Coverage compare to PRA and PRCH?
According to the Insurance industry distribution chart, Kemper ranks #325 out of 351 companies for Interest Coverage. This places Kemper in the lower half of its industry. The industry median Interest Coverage is 16.23. Kemper's value of 0.15 is 99.1% below this benchmark. Historically, Kemper's own Interest Coverage has ranged from 1.08 to 16.57 over the past decade. While the company's 10-year median is 5.62 vs. the industry median of 16.23, 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.23, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kemper's current Interest Coverage of 0.15 is 99.1% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Kemper and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kemper's current Interest Coverage is 0.15, which is 97% below median its own 10-year median of 5.62. 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 Interest Coverage is 0.15, which is 97% below median its 10-year median of 5.62 and 99.1% below the Insurance industry median of 16.23. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Kemper (KMPR), the current Interest Coverage is 0.15 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:
Interest Coverage: 0.15 (97% below median its 10-year median of 5.62)
GF Value™: $55.81 vs. price of $25.40 (54.5% below fair value)
Industry Position: 99.1% below the Insurance median (#325 of 351)
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
Get the complete analysis for KMPR
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