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