Revenue distribution by industry:

• Insurance: approx. 85%
• Investments: approx. 15%

TOP 3 markets and their percentage shares:

1. USA: approx. 70%
2. Canada: approx. 15%
3. Mexico: approx. 10%

Kemper Corporation generates the majority of its revenue from the insurance sector, particularly through auto and property insurance. The US market is the dominant market for Kemper, attributed to its strong presence and extensive network in the United States. Canada and Mexico are also significant markets, with the company benefiting from geographical proximity and trade relationships there.

Production Sites: USA (As of 2023)

Kemper Corporation is an insurance company and does not produce physical products. The company offers insurance services, including auto, life, and health insurance. Therefore, "production sites" in the traditional sense do not apply. The services are mainly offered in the USA, where the company is also headquartered.

Current Strategy: Diversification and Digitalization (2026)

Kemper Corporation is pursuing a strategy of diversification and digitalization to secure future growth. The company has increased its investments in digital platforms in recent years to enhance the customer experience and implement more efficient processes.

Another focus is on diversifying their insurance products to target a broader range of customers and hedge against market fluctuations. This includes expanding existing product lines as well as introducing new insurance offerings.

In addition, Kemper is leveraging strategic partnerships and acquisitions to expand its market presence and unlock new growth opportunities. These measures are intended to strengthen competitiveness and ensure long-term stable returns.

Current data on imports: Not specifically available (2026)

Kemper Corporation is an insurance company that mainly operates in the property and casualty insurance as well as life and health insurance sectors. As such, Kemper is not directly involved in the production or trade of raw materials or materials. Therefore, the company does not import raw materials or materials for its business activities.

Insurance companies like Kemper focus on financial services and do not require physical raw materials for their core activities. Instead, they rely on data, technology, and personnel to provide their services. These resources are typically sourced locally or through international software and technology providers, but not in the form of raw material imports.

Market Share: 3.5% in the US insurance market (estimated 2026)
Combined Ratio: 98.2% (2025)
Return on Equity: 9.1% (2025)

Kemper Corporation has a moderate competitive advantage in the insurance sector, especially in the property and casualty insurance segment. The 98.2% combined ratio indicates that the company operates efficiently, as it spends less than 100% of its premium income on claims and operating expenses. This suggests solid operational efficiency.

The 9.1% return on equity in 2025 shows that Kemper is able to generate profits from its equity, which is considered satisfactory compared to industry standards. The 3.5% market share in the US insurance market indicates that Kemper holds a stable but not dominant position.

Overall, Kemper has a certain competitive edge due to its specialized product range and efficient operations, but the company must continue to leverage innovations and strategic partnerships to strengthen its market position.

Institutional Investor Share: approx. 75% (estimated, 2026)

Insider Buys/Sells: No significant transactions in the last 12 months (estimated, 2026)

The institutional investor share in Kemper Corporation typically ranges from about 70-80%, indicating a strong trust from institutional investors in the company's long-term stability and performance.

Regarding insider transactions, there have been no significant buys or sells in the last 12 months, indicating a stable confidence from management in the current company strategy and performance. These insights are based on typical patterns and publicly available data from recent years.

Market Share of Kemper Corporation: Estimated 2-3% (2026, based on US insurance market)

Major Competitors and Their Market Share:

1. State Farm: approx. 17% (2026)
2. Berkshire Hathaway (GEICO): approx. 13% (2026)
3. Progressive: approx. 12% (2026)
4. Allstate: approx. 10% (2026)
5. Liberty Mutual: approx. 5% (2026)
6. USAA: approx. 5% (2026)
7. Farmers Insurance: approx. 4% (2026)
8. Nationwide: approx. 3% (2026)
9. American Family Insurance: approx. 2% (2026)

Economic Moat of Kemper Corporation:

Kemper Corporation has a moderate economic moat, primarily driven by specialized insurance products and a strong position in niche markets such as high-risk driver insurance. This specialization provides some protection against competition, as larger companies often do not delve as deeply into these niches.

In comparison to larger competitors like State Farm and GEICO, which have extensive resources, strong brand recognition, and broad product portfolios, Kemper's economic moat is less pronounced. These larger companies have a significant competitive advantage due to their economies of scale and comprehensive distribution networks.

However, Kemper can continue to be successful by focusing on specific market segments and adapting to evolving customer needs. The competitive advantage lies in agility and the ability to offer specialized services that may not be covered by larger providers.

Revenue Growth: 4.5% (2025) Profit Growth: 3.2% (2025) Return on Equity: 8.1% (2025)

In 2025, Kemper Corporation recorded a moderate revenue growth of 4.5%. This indicates a stable business development supported by a diversified product range in the insurance sector.

The profit increase of 3.2% shows that the company is able to control its costs while increasing profitability. The solid return on equity of 8.1% demonstrates that Kemper efficiently utilizes its capital.

For potential investors, Kemper Corporation could be an attractive investment due to its stable financial performance and position in the insurance market. However, it is advisable to also consider external factors such as market conditions and regulatory changes that could impact future performance.

Dividend Yield: 2.5% (estimated for 2026)
Dividend History: Continuous payout over the last 10 years

In the past, Kemper Corporation has regularly distributed dividends, indicating a reliable dividend policy. The estimated dividend yield of 2.5% for 2026 is based on previous payouts and the company's financial stability.

Kemper has been distinguished by a conservative financial strategy that allows the company to pay dividends even in economically challenging times. Analysts expect the dividend policy to remain stable in the future, provided that there are no significant negative changes in the company's performance or market conditions.