KMPR (Kemper) Scaled Net Operating Assets: 0.26 (As of Mar. 2026)


KMPR Kemper Corp KMPR
51 GF Score
Price $26.24
GF Value $55.81
Valuation Significantly Undervalued
! 4 Warning Signs
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What is Kemper Scaled Net Operating Assets?

Kemper KMPR +3.29% 51 Scaled Net Operating Assets is 0.26 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Kemper's operating assets for the quarter that ended in Mar. 2026 was $12,012 Mil. Kemper's operating liabilities for the quarter that ended in Mar. 2026 was $8,831 Mil. Kemper's Total Assets for the quarter that ended in Dec. 2025 was $12,473 Mil. Therefore, Kemper's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.26.

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

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Kemper's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(12346.7-8859.8)/12630.4
=0.28

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=12472.7 - 126
=12346.7

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=9803.3 - 943.5 - 0
=8859.8

Kemper's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(12012.1-8831.4)/12472.7
=0.26

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=12410.5 - 398.4
=12012.1

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=9775.4 - 944 - 0
=8831.4

* 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.

What does a Scaled Net Operating Assets of 0.26 mean?
Kemper (KMPR) has a Scaled Net Operating Assets of 0.26 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Kemper and its competitors.
Is Kemper's Scaled Net Operating Assets too high?
Kemper's current Scaled Net Operating Assets is 0.26. 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 Scaled Net Operating Assets compare to PRA and PRCH?
Kemper's Scaled Net Operating Assets of 0.26 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 Scaled Net Operating Assets for an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Kemper and its competitors. Kemper's current Scaled Net Operating Assets is 0.26. 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 $26.24 — trading 53% below its estimated fair value. The current Scaled Net Operating Assets is 0.26. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Kemper (KMPR), the current Scaled Net Operating Assets is 0.26 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 $26.24 is trading 53% below its estimated GF Value™ of $55.81. GuruFocus considers Kemper to be Significantly Undervalued.

Key valuation signals for KMPR:

  • Scaled Net Operating Assets: 0.26
  • GF Value™: $55.81 vs. price of $26.24 (53% 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

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

$26.24
Price
$55.81
GF Value