Saturday 17 October 2026
Export KMPR’s income statement to Excel — free account
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. In the quarter to June 2026, revenue fell 10.8%, EPS fell 799.1%, free cash flow fell 76.7% and total debt was flat, each against the same quarter a year earlier. Dividend growth for ten consecutive years, operating cash flow growth for three; insiders bought in the last twelve months.
29.27
0.85
+2.99%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
137.34 | 29.53 | 20.24 | 9.63 | 12.29 | 0.00 | 0.00 | 0.00 | 13.42 | 18.26 |
Piotroski F-Score |
6 | 7 | 7 | 8 | 5 | 5 | 4 | 2 | 6 | 6 |
P/S ratio |
0.89 | 1.30 | 1.04 | 1.01 | 0.97 | 0.66 | 0.57 | 0.64 | 0.92 | 0.52 |
P/FCF ratio |
10.80 | 18.18 | 8.21 | 12.54 | 14.22 | 0.00 | 0.00 | 0.00 | 0.00 | 12.73 |
P/Operating CF |
32.12 | 46.42 | 19.91 | 30.43 | 25.64 | 87.06 | (77.85) | (107.25) | 24.35 | 14.37 |
P/B ratio |
1.14 | 1.67 | 1.27 | 1.29 | 1.11 | 0.94 | 1.17 | 1.27 | 1.53 | 0.94 |
Price to Tangible BV |
1.36 | 1.97 | 1.99 | 1.79 | 1.46 | 1.39 | 2.28 | 2.54 | 2.78 | 1.77 |
EV/Sales |
1.14 | 1.50 | 1.26 | 1.14 | 1.15 | 0.83 | 0.78 | 0.91 | 1.21 | 0.70 |
EV/EBITDA |
25.32 | 16.77 | 11.03 | 6.95 | 7.18 | 67.61 | 0.00 | 0.00 | 10.55 | 11.88 |
EV/Operating CF |
11.99 | 16.95 | 8.71 | 10.76 | 13.41 | 13.48 | (20.47) | (33.61) | 14.60 | 5.70 |
EV/FCF |
13.86 | 20.99 | 9.98 | 14.12 | 16.95 | (74.43) | (7.20) | (8.29) | (209.41) | 16.88 |
Quick Ratio |
0.12 | 0.11 | 0.18 | 0.18 | 0.20 | 0.19 | 0.19 | 0.14 | 0.15 | 0.14 |
Current Ratio |
0.12 | 0.11 | 0.18 | 0.18 | 0.20 | 0.19 | 0.19 | 0.14 | 0.15 | 0.14 |
Net Debt/EBITDA |
5.58 | 2.25 | 1.96 | 0.78 | 1.16 | 13.93 | (4.86) | (7.21) | 2.50 | 2.92 |
Debt/Assets |
9.15% | 7.07% | 7.87% | 5.99% | 8.18% | 7.52% | 10.42% | 10.90% | 11.02% | 7.56% |
Debt/Equity |
0.38 | 0.28 | 0.30 | 0.20 | 0.26 | 0.28 | 0.52 | 0.55 | 0.50 | 0.35 |
Asset Turnover |
0.31 | 0.33 | 0.37 | 0.41 | 0.38 | 0.39 | 0.39 | 0.38 | 0.37 | 0.38 |
Operating CF/Net income |
14.32 | 1.99 | 2.84 | 1.01 | 1.09 | (2.84) | 0.73 | 0.49 | 1.20 | 4.08 |
Capex/Depreciation |
(0.88) | (23.12) | (0.99) | 19.41 | (0.98) | (0.58) | (0.43) | (0.50) | (0.63) | (0.38) |
Interest Coverage |
1.04 | 3.00 | 2.25 | 5.07 | 2.88 | (0.14) | (5.71) | (5.19) | 7.83 | 5.17 |
| 0.85% | 5.91% | 7.36% | 15.13% | 9.60% | (2.89%) | (8.58%) | (10.51%) | 12.02% | 5.26% | |
| 0.21% | 1.46% | 1.91% | 4.33% | 3.00% | (0.85%) | (2.03%) | (2.09%) | 2.51% | 1.14% | |
ROIC |
2.25% | 5.67% | 5.76% | 11.26% | 8.83% | (0.38%) | (5.08%) | (4.75%) | 6.77% | 3.57% |
Return on Tangible Assets |
(0.35%) | (2.40%) | (3.05%) | (8.06%) | (6.12%) | 1.59% | 3.82% | 3.59% | (4.41%) | (1.89%) |
Average Days of Receivables |
77.45 | 75.09 | 122.72 | 96.83 | 99.35 | 103.78 | 102.37 | 85.64 | 91.56 | 87.63 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Intangible Assets out of Total Assets |
0.04 | 0.04 | 0.10 | 0.09 | 0.08 | 0.09 | 0.10 | 0.10 | 0.10 | 0.10 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
(2.48) | (1.60) | (1.86) | (1.48) | (1.62) | (2.43) | (2.84) | (2.83) | (2.02) | (3.39) |
Graham Number |
16.67 | 46.48 | 62.22 | 104.50 | 98.88 | 0.00 | 0.00 | 0.00 | 69.51 | 46.37 |
Earnings Yield |
0.73% | 3.39% | 4.94% | 10.39% | 8.13% | (3.28%) | (9.63%) | (8.54%) | 7.45% | 5.48% |
Free Cash Flow Yield |
9.26% | 5.50% | 12.18% | 7.97% | 7.03% | (1.69%) | (19.09%) | (17.09%) | (0.63%) | 7.86% |
Revenue per Share |
49.30 | 53.04 | 64.06 | 76.49 | 79.31 | 89.60 | 86.55 | 77.22 | 72.27 | 77.24 |
Operating CF per Share |
4.70 | 4.69 | 9.27 | 8.11 | 6.83 | 5.49 | (3.29) | (2.10) | 5.97 | 9.43 |
Capex per Share |
(0.34) | (0.72) | (1.15) | (1.30) | (0.82) | (0.91) | (0.48) | (0.84) | (0.83) | (0.49) |
Free Cash Flow per Share |
4.36 | 3.97 | 8.12 | 6.81 | 6.00 | 4.59 | (3.78) | (2.94) | 5.14 | 8.93 |
Cash per Share |
2.26 | 0.89 | 1.29 | 2.08 | 3.14 | 2.32 | 3.33 | 1.00 | 1.00 | 2.00 |
Shareholders Equity per Share |
38.61 | 41.20 | 52.45 | 60.30 | 69.53 | 62.79 | 41.84 | 39.12 | 43.38 | 43.05 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
38.61 | 41.20 | 52.45 | 60.30 | 69.53 | 62.79 | 41.84 | 39.12 | 43.38 | 43.05 |
Free Cash Flow |
222.90 | 203.60 | 472.40 | 448.90 | 394.10 | 292.90 | (241.10) | (188.00) | 329.70 | 553.90 |
Working Capital |
(4,827.80) | (5,039.40) | (6,227.60) | (6,586.60) | (6,697.00) | (7,785.70) | (7,494.50) | (7,573.80) | (7,211.70) | (7,570.80) |
Capital Expenditures |
(17.60) | (37.00) | (66.80) | (85.40) | (53.90) | (57.80) | (30.80) | (53.80) | (53.20) | (30.60) |
Net Current Asset Value |
(5,584.50) | (5,654.60) | (7,167.20) | (7,543.20) | (8,155.50) | (9,134.60) | (8,881.40) | (9,013.60) | (8,618.10) | (8,529.10) |
EV/EBIT |
30.75 | 16.88 | 13.11 | 6.91 | 7.69 | 0.00 | 0.00 | 0.00 | 12.55 | 16.73 |
Capex to Sales |
0.01 | 0.01 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Price to Operating Income |
23.97 | 14.62 | 10.78 | 6.14 | 6.45 | 0.00 | 0.00 | 0.00 | 9.57 | 12.62 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Cash ROIC |
7.84% | 7.39% | 11.71% | 9.18% | 6.63% | 5.55% | (5.65%) | (4.75%) | 7.78% | 14.82% |
Accounts Receivable Turnover |
4.76 | 4.97 | 4.11 | 3.89 | 3.78 | 3.76 | 3.48 | 3.65 | 3.99 | 4.14 |
Accounts Payable Turnover |
0.49 | 0.49 | 0.56 | 0.59 | 0.59 | 0.71 | 0.68 | 0.63 | 0.53 | 0.58 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
755.43 | 763.58 | 744.52 | 635.55 | 626.37 | 553.45 | 527.74 | 567.31 | 673.21 | 642.53 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
530.35 | 547.70 | 906.40 | 1,294.65 | 1,376.85 | 1,521.45 | 1,587.60 | 1,354.60 | 1,161.80 | 1,156.75 |
Average Payables |
4,921.15 | 5,108.55 | 6,029.80 | 7,097.50 | 7,459.60 | 8,154.20 | 8,577.55 | 8,249.35 | 7,896.95 | 7,907.45 |
Average Assets |
8,123.30 | 8,293.35 | 9,960.55 | 12,267.00 | 13,665.50 | 14,629.20 | 14,115.05 | 13,028.15 | 12,686.55 | 12,551.55 |
Average Common Equity |
1,983.80 | 2,045.40 | 2,582.85 | 3,511.20 | 4,267.85 | 4,285.55 | 3,339.15 | 2,587.80 | 2,644.65 | 2,726.85 |
Columns are period end dates