KMPR (Kemper) ROE % Adjusted to Book Value: -0.38% (As of Mar. 2026)

Kemper KMPR +1.43% 51 ROE % Adjusted to Book Value is -0.38% 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 ROE % for the quarter that ended in Mar. 2026 was -0.26%. Kemper's PB Ratio for the quarter that ended in Mar. 2026 was 0.68. Kemper's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was -0.38%.

Kemper ROE % Adjusted to Book Value Related Terms

Kemper ROE % Adjusted to Book Value Historical Data

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The historical data trend for Kemper's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Kemper Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

ROE % Adjusted to Book Value

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-3.11

-7.27

-8.41

7.90

5.89

Kemper Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
ROE % Adjusted to Book Value	Get a 7-Day Free Trial															9.51	7.12	-2.59	-1.33	-0.38

KMPR vs PRA, PRCH, UFCS: ROE % Adjusted to Book Value Comparison

For the Insurance - Property & Casualty subindustry, Kemper's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Insurance Industry

For the Insurance industry and Financial Services sector, Kemper's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Kemper's ROE % Adjusted to Book Value falls into.

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51GF Score

Kemper Corp KMPR

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Kemper ROE % Adjusted to Book Value Calculation

Kemper's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value	=	ROE %	/	PB Ratio
	=	5.24%	/	0.89
	=	5.89%

Kemper's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value	=	ROE %	/	PB Ratio
	=	-0.26%	/	0.68
	=	-0.38%

Frequently Asked Questions Learn more about ROE % Adjusted to Book Value →

What does a ROE % Adjusted to Book Value of -0.38% mean?

Kemper (KMPR) has a ROE % Adjusted to Book Value of -0.38% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Kemper and its competitors.

Is Kemper's ROE % Adjusted to Book Value too high?

Kemper's current ROE % Adjusted to Book Value is -0.38%. 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 ROE % Adjusted to Book Value compare to PRA and PRCH?

Kemper's ROE % Adjusted to Book Value of -0.38% 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 ROE % Adjusted to Book Value for an Insurance company?

A good ROE % Adjusted to Book Value depends on the Insurance industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?

A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Kemper and its competitors. Kemper's current ROE % Adjusted to Book Value is -0.38%. 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 $25.76 — trading 53.8% below its estimated fair value. The current ROE % Adjusted to Book Value is -0.38%. 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 ROE % Adjusted to Book Value calculated?

ROE % Adjusted to Book Value is calculated from a company's financial statements. For Kemper (KMPR), the current ROE % Adjusted to Book Value is -0.38% 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 $25.76 is trading 53.8% below its estimated GF Value™ of $55.81. GuruFocus considers Kemper to be Significantly Undervalued.

Key valuation signals for KMPR:

ROE % Adjusted to Book Value: -0.38%
GF Value™: $55.81 vs. price of $25.76 (53.8% 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

Industry Financial Services Insurance

Comparable Companies PRA PRCH UFCS SKWD HMN HGTY UVE SAFT TRUP HCI CB PGR TSE:8766 TRV ALL HKSE:01339 HKSE:02328 TSE:8725 TSX:IFC TSE:8630

Other Exchanges UI2:Germany

Address 200 E. Randolph Street, Suite 3300, Chicago, IL, USA, 60601

Website https://www.kemper.com

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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$25.76

Price

$55.81

GF Value

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