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Kemper Corporation

KMPR Financial Insurance Property & Casualty

Kemper Corporation’s revenue for fiscal 2025 (year ended December 2025) was $4.8 billion, up 3.26% from fiscal 2024.

Revenue
−10.8%
EPS
−799.1%
Free cash flow
−76.7%
Total debt
+0.20%

Quarter to June 2026, against a year earlier

35.18 0.58 −1.62%
Market cap
$2.1B
P/E
0.0×
Fwd P/E
−5.1×
Dividend yield
3.64%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.37
Sold, $m 0.02
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — 5 — — —
Sell — — 1 — — — — — — — — —
Insider Ownership 1.49%

Capital & Financial Ratios $m

Size
Market Cap 2,080.00
Revenue ttm 4,571.00
Net income ttm (504.60)
Free cash flow ttm 396.60
Net debt Q 864.20
Valuation
P/E 0.00
Forward P/E (5.08) (negative: loss-making)
Price / sales 0.45
Forward P/S Powerpack
Price / FCF 51.52
Price / book 0.95
Financial health
Current ratio Q 0.14
Debt / equity Q 0.43
Interest coverage Q (51.47)
Growth
Revenue growth Q −10.84% (below 0%: shrinking)
Operating income growth Q −574.72% (below 0%: shrinking)
EPS, this year −38.84% (below 0%: weak)
EPS, next year A +85.87% (at or above 15%: strong)
Revenue, next year A −8.70% (below 0%: weak)
EPS, past 5 yrs −17.90% (below 0%: weak)
EPS, next 5 yrs A +13.02%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/S against its own 10 years 6.93%
10-year low 10-year high
P/B against its own 10 years 21.60%
10-year low 10-year high

Dividends

Yield
3.64%
Annual rate
1.28
Payout ratio
—
Growth, 2017–25
+3.66%/yr
  1. 0.96 ’17
  2. 0.96 ’18 +0
  3. 1.03 ’19 +7
  4. 1.20 ’20 +17
  5. 1.24 ’21 +3
  6. 1.24 ’22 +0
  7. 1.24 ’23 +0
  8. 1.24 ’24 +0
  9. 1.28 ’25 +3
  10. 1.30 ’26e +1
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 64 64 124 80
Receivables 1,160 1,164 1,150 1,148
Inventory — — — —
Other — — — —
1,224 1,228 1,274 1,228
2023 2024 2025 Q'26
Payables 8,060 7,734 8,081 8,150
ST’ Debt — — — —
Other — — — —
8,798 8,440 8,845 8,805

Compound Annual Growth %

10y 5y 3y
Sales 7.42% (1.65%) (4.64%)
Cash Flow 10.52% 5.46% 0.00%
Earnings 5.28% (18.96%) 0.00%
Book Value 2.97% (10.17%) (0.01%)

Earnings Trends EPS, adjusted, against the consensus

Q2 FY26 Estimate 0.32 Actual 0.45

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q3 FY25 1.33 0.33 Miss by 1.00
Q4 FY25 0.85 0.25 Miss by 0.60
Q1 FY26 0.81 0.21 Miss by 0.60
Q2 FY26 0.32 0.45 Beat by 0.13
Q3 FY26 0.66 — Reports 9 November 2026

EPS $

Mar Jun Sep Dec Year
’26 (0.03) (7.90) — — —
’25 1.54 1.12 (0.34) (0.13) 2.29
’24 1.10 1.16 1.14 1.51 4.91
’23 (1.25) (1.52) (2.28) 0.80 (4.25)
’22 (1.49) (1.17) (1.19) (0.87) (4.72)
’21 1.85 (0.97) (1.18) (1.66) (1.87)
’20 0.95 1.91 1.83 1.46 6.14
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 1,107 1,093 — — —
’25 1,193 1,226 1,240 1,131 4,790
’24 1,143 1,130 1,179 1,187 4,639
’23 1,295 1,263 1,199 1,187 4,944
’22 1,370 1,418 1,362 1,375 5,524
’21 1,352 1,508 1,455 1,403 5,719
’20 1,229 1,231 1,354 1,392 5,206
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 89 31 — — —
’25 180 90 140 175 585
’24 43 23 142 175 383
’23 5 (71) (39) (30) (134)
’22 (18) (72) (80) (40) (210)
’21 141 97 70 43 351
’20 62 202 (12) 197 448
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 78 19 — — —
’25 172 82 133 166 554
’24 28 5 131 165 330
’23 (5) (86) (52) (44) (188)
’22 (34) (79) (83) (44) (241)
’21 131 (236) 52 29 293
’20 42 143 (66) 236 394
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 2,522 2,723 3,725 5,039 5,206 5,719 5,524 4,944 4,639 4,790 4,571 +7.4% 4,373 4,270 4,451 (2.4%)
Gross margin, % 3.72 8.87 9.61 16.49 15.01 (0.52) (5.66) (4.88) 9.60 4.16 (0.55) +0.4 pt
EBT 4 161 199 662 510 (249) (371) (347) 389 161 (521) +53.0%
EBT margin, % 0.14 5.92 5.34 13.13 9.80 (4.36) (6.72) (7.02) 8.38 3.36 (11.41) +3.2 pt
Net income 17 121 190 531 410 (124) (287) (272) 313 133 (505) +25.8%
Per share, $
Per share, $ Revenue 49.30 53.04 64.06 76.49 79.31 89.60 86.55 77.22 72.27 77.24 77.65 +5.1%
Earnings 0.33 2.34 3.25 8.04 6.24 (1.87) (4.72) (4.25) 4.95 2.31 (8.40) +24.1%
Cash flow 4.70 4.69 9.27 8.11 6.83 5.49 (3.29) (2.10) 5.97 9.43 7.38 +8.0%
Capex (0.34) (0.72) (1.15) (1.30) (0.82) (0.91) (0.48) (0.84) (0.83) (0.49) (0.64) +4.1%
Free cash flow 4.36 3.97 8.12 6.81 6.00 4.59 (3.78) (2.94) 5.14 8.93 6.74 +8.3%
Book value 38.61 41.20 52.45 60.30 69.53 62.79 41.84 39.12 43.38 43.05 36.99 +1.2%
Shares, m 51 51 58 66 66 64 64 64 64 62 60 +2.2%
Valuation, ×
Valuation, × P/E 137.34 29.53 20.24 9.63 12.29 0.00 0.00 0.00 13.42 18.26 0.00 24.1
P/S 0.89 1.30 1.04 1.01 0.97 0.66 0.57 0.64 0.92 0.52 0.45 0.9
P/B 1.14 1.67 1.27 1.29 1.11 0.94 1.17 1.27 1.53 0.94 0.95 1.2
EV/Sales 1.14 1.50 1.26 1.14 1.15 0.83 0.78 0.91 1.21 0.70 — 1.1
EV/FCF 13.86 20.99 9.98 14.12 16.95 (74.43) (7.20) (8.29) (209.41) 16.88 — (20.7)
Cash, $m
Cash, $m Operating cash flow 241 241 539 534 448 351 (210) (134) 383 585 434 +10.4%
Capex (18) (37) (67) (85) (54) (58) (31) (54) (53) (31) (38) +6.3%
Free cash flow 223 204 472 449 394 293 (241) (188) 330 554 397 +10.6%
Balance, $m
Balance, $m Working capital (4,828) (5,039) (6,228) (6,587) (6,697) (7,786) (7,494) (7,574) (7,212) (7,571) (7,576) +5.1%
Net debt 636 547 834 642 967 974 1,175 1,325 1,327 819 864 +2.9%
Shareholders’ equity 1,975 2,116 3,050 3,972 4,563 4,008 2,671 2,505 2,784 2,669 2,177 +3.4%
Returns, %
Returns, % ROA 0.21 1.46 1.91 4.33 3.00 (0.85) (2.03) (2.09) 2.51 1.14 (4.04) +0.9 pt
ROIC 2.25 5.67 5.76 11.26 8.83 (0.38) (5.08) (4.75) 6.77 3.57 (9.97) +1.3 pt
ROE 0.85 5.91 7.36 15.13 9.60 (2.89) (8.58) (10.51) 12.02 5.26 (19.34) +4.4 pt
People
People Employees 5,750 5,550 8,100 8,900 9,500 10,300 9,500 8,100 7,400 7,400 — +2.8%
Revenue/emp, $m 0.44 0.49 0.46 0.57 0.55 0.56 0.58 0.61 0.63 0.65 — +4.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Kemper Corporation vs peers in Insurance Property & Casualty (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
SLDE Slide Insurance Holdings, Inc. $3.1B 5.4× 6.9× +35.89% (above 0%: growing) +33.02% (above 0%: growing) −301.53% (below 0%: shrinking) 59.14% 45.24% Compare
SKWD Skyward Specialty Insurance Group, Inc. $2.8B 14.4× 13.6× +53.03% (above 0%: growing) +14.58% (above 0%: growing) −23.60% (below 0%: shrinking) 43.47% 14.78% Compare
HCI HCI Group, Inc. $2.4B 7.5× 9.1× +13.20% (above 0%: growing) +32.08% (above 0%: growing) +187.69% (above 0%: growing) 60.37% 48.08% Compare
PRCH Porch Group, Inc. $2.3B 344× 294× +13.02% (above 0%: growing) n/m +50.01% (above 0%: growing) 74.98% 12.57% Compare
HMN Horace Mann Educators Corporation $2.2B 12.1× 11.2× +0.16% (above 0%: growing) +0.73% (above 0%: growing) +70.37% (above 0%: growing) 50.05% 18.72% Compare
KMPR Kemper Corporation $2.1B — (loss-making) — (loss-making) −10.84% (below 0%: shrinking) n/m −76.71% (below 0%: shrinking) 0.17% (41.92%)
SAFT Safety Insurance Group, Inc. $1.5B 22.4× — (loss-making) +2.95% (above 0%: growing) +21.03% (above 0%: growing) +16.88% (above 0%: growing) 14.33% 13.69% Compare
TRUP Trupanion, Inc. $1.5B 56.6× 50.0× +10.54% (above 0%: growing) +50.00% (above 0%: growing) +18.93% (above 0%: growing) 17.14% 0.00% Compare
STC Stewart Information Services Corporation $1.5B 12.2× 10.7× +13.02% (above 0%: growing) −36.77% (below 0%: shrinking) −12.37% (below 0%: shrinking) 64.58% 8.51% Compare
Median of peers $2.2B 13.3× 11.2× +13.02% +21.03% +17.91% 54.59% 14.23%

All 46 Insurance Property & Casualty stocks →

Pay and ownership Proxy statement filed 25 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2024 11.46m 18.44m 95.23
2023 8.53m 4.50m 68.41
2022 7.91m 2.19m 67.38
2021 8.22m (1.23m) 78.53

Ownership

Directors and executive officers, together less than 1%
The Vanguard Group, Inc. 10.30%
BlackRock, Inc. 8.70%
Fuller & Thaler Asset Management, Inc. 6.30%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Kemper Corporation (KMPR) Latest News

29 Oct

Impact 3 · · TIKR

28 Oct

Impact 3 · · Business Wire

18 Oct

Impact 3 · · Simply Wall St.

16 Oct

Impact 3 · · StockStory

12 Oct

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3 Oct

Impact 3 · · Simply Wall St.

2 Oct

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24 Sep

Impact 4 · · Business Wire

21 Sep

Impact 4 · · StockStory

11 Sep

Impact 3 ·

26 Aug

Impact 3 ·

13 Aug

Impact 3 ·

12 Aug

Impact 3 · · The Motley Fool transcript

8 Aug

Impact 3 · · MarketBeat transcript

6 Aug

Impact 4 · transcript
Impact 3 · · Moby transcript

5 Aug

Impact 3 ·
Impact 3 ·
Impact 3 ·

23 Jul

Impact 3 ·

4 Jun

Impact 3 · · Simply Wall St.

11 May

Impact 4 · · MarketBeat

8 May

Impact 4 · · Simply Wall St.

7 May

Impact 4 · · Moby

6 May

Impact 4 · · Zacks
Impact 4 · · Business Wire
Impact 3 ·
Impact 3 · · StockStory

21 Apr

Impact 4 ·
Impact 3 ·

KMPR metrics, ten years each

stockrow.com/KMPR · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com