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%
Market cap
$1.7B
P/E
0.0×
Fwd P/E
14.6×
Dividend yield
4.37%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
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
ROE
5.26% 12.02% (10.51%) (8.58%) (2.89%) 9.60% 15.13% 7.36% 5.91% 0.85%
ROA
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

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Columns are period end dates