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Kemper Corp (KMPR) is not a good buy for a beginner investor with a long-term strategy at this time. The technical indicators are bearish, the financial performance is weak, and there are no significant positive catalysts or trading signals to suggest an imminent recovery. The stock's recent downgrades and uncertain near-term outlook further reinforce a cautious stance.
The technical indicators for KMPR are bearish. The MACD histogram is negative and contracting (-0.611), the RSI is at 16.112 indicating an oversold condition, and the moving averages are in a bearish alignment (SMA_200 > SMA_20 > SMA_5). The stock is trading near its support level of 31.369, with resistance levels at 35.042 and 38.715.

The RSI indicates an oversold condition, which may attract some buyers in the short term.
Weak financial performance in Q4 2025 with declining revenue (-4.52% YoY), negative net income (-108.21% YoY), and EPS (-109.27% YoY).
Downgrades from analysts, including a reduction in price targets and concerns about near-term growth.
Bearish technical indicators and lack of significant trading activity from hedge funds, insiders, or Congress.
In Q4 2025, Kemper's revenue dropped to $1.1376 billion (-4.52% YoY), net income fell to -$8 million (-108.21% YoY), and EPS declined to -$0.14 (-109.27% YoY). The gross margin remained unchanged at 0%.
Recent analyst actions include UBS lowering the price target to $56 from $65 while maintaining a Buy rating, and downgrades from Citizens and William Blair citing disappointing Q4 results and deteriorating auto insurance fundamentals. Analysts express concerns about the company's near-term growth and earnings potential.