Profitability
Weight: 25%
A+
100
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 5.4%
- Loss Ratio Trend -27.78 pp/yr
KMPR
Kemper Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
⚠ 3 of the last 5 fiscal years showed negative net income — AlphaQuality will not grade above F for persistent unprofitability in a banks, insurers & asset managers business.
Grade overrides the 30.0 pillar composite — hard gates always win.
Capital Efficiency
Weight: 15%
D-
33
- 5yr Avg ROE -1.8%
- 5yr Share-Count CAGR -1.3%
Growth Quality
Weight: 10%
A-
80
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 11.7%
- Loss Ratio Trend (growth quality check) -27.78 pp/yr
- Revenue-Growth Years (5) 2/5
Cash Generation
Weight: 15%
C-
46
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development -0.0%
- Loss Ratio Stability (σ) 0.47
Balance Sheet
Weight: 25%
A-
85
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 1.64x
- Interest Coverage (EBIT/Int) 5.17x
Stability
Weight: 10%
D
36
- EPS Volatility (σ/μ) 0.70
- Negative-Revenue Years (5) 3/5
- Piotroski F-Score 6
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 1 added; 2 trimmed.
- Holders
- 3
- Avg Δ position
- -29.6%
- New buys
- 0
- Full exits
- 0
- Greenblatt decreased -96%
- Wood increased +14%
- Cooperman decreased -8%