Is Kemper Corp. overvalued or undervalued?

As of 6 August 2025, the valuation grade for Kemper Corp. has moved from fair to attractive, indicating a more favorable assessment of its market position. The company appears undervalued, particularly when considering its P/E ratio of 11, which is significantly lower than its peer, Everest Group Ltd., with a P/E of 31.11, and American Financial Group, Inc., at 15.03. Additionally, Kemper's PEG ratio stands out at an impressive 0.01, suggesting strong growth potential relative to its price.
In comparison to its peers, Kemper Corp. shows a favorable EV to EBITDA ratio of 78.62, especially when contrasted with RenaissanceRe Holdings Ltd. at 24.62, which indicates that Kemper may be undervalued in terms of earnings potential. Despite the attractive valuation metrics, the stock has underperformed relative to the S&P 500, with a year-to-date return of -20.48% compared to the index's 12.22%. This divergence reinforces the notion that Kemper Corp. is currently undervalued in the market.