📊 AI Stock Rating — Summary

Kemper Corporation reported quarterly revenues of $1.24 billion, with a net loss of $21 million resulting in an EPS of -$0.34. The company's balance sheet carries a total equity of $2.72 billion and net debt of $899.6 million, indicating a net debt to equity ratio of approximately 0.33. Operating cash flow was negative at -$269.6 million, with free cash flow also negative at -$261.9 million. Kemper announced consistent dividends of $0.32 per quarter this year, reflecting stability in shareholder returns. The stock buyback program was substantial, with $218.8 million being repurchased. Analyst price targets uniformly suggest a value of $60, indicating potential confidence in the stock's fundamental recovery.

AI Score Breakdown

Revenue Growth — Score: 6/10

Revenue was $1.24 billion, suggesting stable top-line performance albeit with no clear growth drivers.

Profitability — Score: 3/10

Profitability remains challenged with a net loss of $21 million, and a negative EPS of -$0.34 highlights ongoing efficiency issues.

Cash Flow Quality — Score: 3/10

Significant negative free cash flow of -$261.9 million indicates poor cash generation, but liquidity support from past repurchases and minor dividends helps.

Leverage & Balance Sheet — Score: 6/10

The company shows a modest leverage with a net debt to equity ratio of about 0.33, reflecting adequate financial resilience.

Shareholder Returns — Score: 6/10

Regular dividend payouts and substantial repurchase activity enhance shareholder value, although the market price trend over the year is not provided to complete this assessment.

Analyst Sentiment & Valuation — Score: 6/10

Analyst targets are stable at $60, indicating perceived fair valuation relative to current stock underperformance; however, exact P/E, FCF, ROE data for in-depth comparison is lacking.

⚠ AI-generated — informational only, not financial advice.