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Financials · KMPR

Kemper Corporation (KMPR) financials

For the twelve months ended Sep 30, 2026, Kemper Corporation reported $4.42B of revenue and -$422.10M of net income.

Revenue, TTM
$4.42B
Revenue growth, YoY
-8.7%
Net income, TTM
-$422.10M
Net margin
-9.5%
Free cash flow, TTM
$318.90M
EPS, diluted, TTM
-$7.08
Cash
$80.50M
Total debt
$945.00M
P/S
0.44
Market cap
$1.95B
Annual revenue$4.79B
FY2016FY2025
Annual net income$143.30M
FY2016FY2025
Annual free cash flow$553.90M
FY2017FY2025

KMPR revenue and earnings growth

KMPR revenueQ3 2026$1.09B

Quarter YoY
-12.0%
QoQ
-0.2%
FY YoY
+3.3%
5Y CAGR
-1.7%
10Y CAGR
+7.4%

KMPR revenue was $1.09B in fiscal Q3 2026 (ended Sep 30, 2026), down 12.0% from a year earlier and down 0.2% from the prior quarter. For the full fiscal 2025 it was $4.79B, up 3.3% from fiscal 2024. Compound annual growth was -1.7% over 5 years and +7.4% over 10 years. It rose in 7 of the last 10 fiscal years.

KMPR net incomeQ3 2026$52.40M

FY YoY
-54.9%
5Y CAGR
-19.0%
10Y CAGR
+5.3%

KMPR net income was $52.40M in fiscal Q3 2026 (ended Sep 30, 2026), compared with -$21.00M a year earlier. For the full fiscal 2025 it was $143.30M, down 54.9% from fiscal 2024. Compound annual growth was -19.0% over 5 years and +5.3% over 10 years.

KMPR EPSQ3 2026$0.88

FY YoY
-53.4%
5Y CAGR
-17.9%
10Y CAGR
+3.3%

KMPR diluted EPS was $0.88 in fiscal Q3 2026 (ended Sep 30, 2026), compared with -$0.34 a year earlier. For the full fiscal 2025 it was $2.29, down 53.4% from fiscal 2024. Compound annual growth was -17.9% over 5 years and +3.3% over 10 years.

KMPR free cash flowQ3 2026$55.70M

Quarter YoY
-58.2%
QoQ
+191.6%
FY YoY
+68.0%
5Y CAGR
+7.0%

KMPR free cash flow was $55.70M in fiscal Q3 2026 (ended Sep 30, 2026), down 58.2% from a year earlier and up 191.6% from the prior quarter. For the full fiscal 2025 it was $553.90M, up 68.0% from fiscal 2024. Compound annual growth was +7.0% over 5 years. Fiscal 2025 is the highest of the 9 fiscal years on file.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$4.79B$4.64B$4.94B$5.52B$5.72B$5.21B$5.04B$3.73B$2.72B$2.52B
Operating income---$68.90M-$166.60M-$334.00M$546.80M$518.80M$286.20M$118.90M$3.10M
Interest expense$38.50M$56.90M$56.10M$54.70M$43.60M$36.00M$42.50M$43.30M$34.90M$44.40M
Pre-tax income$160.70M$388.50M-$347.10M-$389.50M-$245.30M$510.10M$661.60M$199.10M$161.10M$3.50M
Income tax$28.10M$76.00M-$74.80M-$84.40M-$125.60M$100.20M$130.50M$10.70M$41.20M-$9.20M
Net income$143.30M$317.80M-$272.10M-$286.60M-$123.70M$409.90M$531.10M$190.10M$120.90M$16.80M
EPS, basic$2.31$4.95-$4.25-$4.50-$1.92$6.24$8.04$3.25$2.34$0.33
EPS, diluted$2.29$4.91-$4.25-$4.50-$1.92$6.14$7.96$3.22$2.33$0.33
Diluted shares62.6M64.8M64.0M63.8M64.3M66.7M66.5M58.8M51.6M51.2M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$126.00M$65.40M$64.10M$212.40M$148.20M$206.10M$136.80M$75.10M$45.70M$115.70M
Short-term investments$313.50M$1.04B$520.90M$278.40M--$470.90M$286.10M--
Goodwill$1.25B$1.25B$1.25B$1.30B$1.31B$1.11B$1.11B$1.11B$323.00M$323.00M
Total assets$12.47B$12.63B$12.74B$13.31B$14.92B$14.34B$12.99B$11.54B$8.38B$8.21B
Short-term debt$0$449.90M$0-------
Long-term debt$943.50M$941.70M$1.39B-------
Total debt$943.50M$1.39B$1.39B$1.39B$1.12B$1.17B$778.40M$909.00M$592.30M$751.60M
Total liabilities$9.80B$9.85B$10.24B$10.64B$10.91B$9.78B$9.02B$8.49B$6.26B$6.24B
Shareholders' equity$2.68B$2.78B$2.50B$241.10M-$849.70M$4.56B$3.97B$3.05B$2.12B$1.98B

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$584.50M$382.90M-$134.20M-$210.30M$350.70M$448.00M$534.30M$539.20M$240.60M$240.50M
Capital expenditures$30.60M$53.20M$53.80M$30.80M$57.80M$53.40M$84.00M$65.30M$35.50M-
Free cash flow$553.90M$329.70M-$188.00M-$241.10M$292.90M$394.60M$450.30M$473.90M$205.10M-
Investing cash flow$336.20M-$244.40M$107.90M-$108.40M-$118.20M-$757.00M-$633.40M-$497.60M-$105.40M-$238.10M
Financing cash flow-$860.10M-$137.20M-$122.00M$382.90M-$290.40M$378.30M$160.80M-$12.20M-$205.20M-$48.40M
Dividends paid$79.60M$80.10M$80.10M$79.70M$80.60M$78.90M$67.80M$56.40M$49.50M$49.20M
Share repurchases$301.90M$38.90M$0$0$161.70M$110.40M$0$0$0$3.80M
Depreciation and amortization$74.30M$53.70M$58.60M$70.90M$46.30M$36.20M$32.80M$15.60M$13.10M-

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY3.3%-6.2%-10.5%-3.4%9.9%3.3%35.3%36.8%8.0%7.7%
Net income growth, YoY-54.9%-----22.8%179.4%57.2%619.6%-80.4%
EPS growth, YoY-53.4%-----22.9%147.2%38.2%606.1%-80.0%
Operating margin---1.4%-3.0%-5.8%10.5%10.3%7.7%4.4%0.1%
Net margin3.0%6.9%-5.5%-5.2%-2.2%7.9%10.5%5.1%4.4%0.7%
Free cash flow margin11.6%7.1%-3.8%-4.4%5.1%7.6%8.9%12.7%7.5%-
Return on equity5.3%11.4%-10.9%-118.9%-9.0%13.4%6.2%5.7%0.9%
Return on assets1.1%2.5%-2.1%-2.2%-0.8%2.9%4.1%1.6%1.4%0.2%
Debt to equity0.350.500.555.75-0.260.200.300.280.38

Source: XBRL data Kemper Corporation files with the SEC, latest filing dated Nov 9, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

KMPR peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
KMPR$4.42B-8.7%-$422.10M-9.5%$1.95B
CB$61.85B+5.7%$11.23B18.2%$138.87B
PGR$91.73B+7.7%$11.62B12.7%$131.82B
TRV$48.92B+1.1%$8.33B17.0%$80.99B
ALL$70.23B+5.1%$11.61B16.5%$62.80B
AIG$27.73B+1.2%$3.29B11.9%$41.28B
HIG$29.87B+9.2%$4.61B15.4%$36.06B
ACGL$18.78B-3.9%$4.38B23.3%$35.20B
CINF$13.28B+9.9%$2.66B20.1%$28.58B

KMPR FAQ

8 questions
  • What is KMPR revenue?
    Kemper Corporation (KMPR) reported $4.42B of revenue for the twelve months ended Sep 30, 2026. That is down 8.7% from the year before. Revenue for fiscal 2025 was $4.79B.
  • Is KMPR profitable?
    No. Kemper Corporation reported a net loss of $422.10M for the twelve months ended Sep 30, 2026.
  • How much cash and debt does KMPR have?
    Kemper Corporation reported $80.50M in cash and cash equivalents and $945.00M of debt on its most recent balance sheet in SEC filings.
  • How fast is KMPR revenue growing?
    Kemper Corporation's revenue changed +3.3% in fiscal 2025, to $4.79B. Its compound annual growth rate was -1.7% over 5 years and +7.4% over 10 years.
  • What is KMPR free cash flow?
    Kemper Corporation generated $318.90M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $357.40M less capital expenditures.
  • What is KMPR earnings per share?
    Diluted earnings per share were -$7.08 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did KMPR last report financial results?
    The latest statements here come from Kemper Corporation's 10-Q filed on Nov 9, 2026, covering the period ended Sep 30, 2026.
  • Where does this KMPR financial data come from?
    Quantisnow builds these statements from the structured XBRL data Kemper Corporation files with the SEC. It is provided for information only and is not investment advice.