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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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

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 1.29

Total sells 0.02

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	1	—	—	—	—	—	—	—	—	5	—	—
Sell	—	—	—	1	—	—	—	—	—	—	—	—

Insider Ownership 1.49%

Capital & Financial Ratios $m

Market Cap 1,670.00

Revenue 4,571.00

Net Income (504.60)

Free Cash Flow 396.60

Net Debt 864.20

Current Ratio 0.14

Debt/Equity 0.43

P/E ratio 0.00

Fwd P/E 14.60

P/S ratio 0.38

P/B ratio 0.79

Past 5Y EPS Growth (17.90%)

This Y EPS Growth (44.26%)

Next Y EPS Growth 103.10%

Next Y revenue growth (8.70%)

Next 5Y EPS Growth 13.49%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/S against its own 10 years 3.76%

10-year low 10-year high

P/B against its own 10 years 9.07%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate 1.28

Annual Dividend Yield 4.37%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	1.30	0.32 0.32 0.32
2025	1.28	0.32 0.32 0.32 0.32
2024	1.24	0.31 0.31 0.31 0.31
2023	1.24	0.31 0.31 0.31 0.31
2022	1.24	0.31 0.31 0.31 0.31
2021	1.24	0.31 0.31 0.31 0.31
2020	1.20	0.30 0.30 0.30 0.30
2019	1.03	0.25 0.25 0.25 0.28
2018	0.96	0.24 0.24 0.24 0.24
2017	0.96	0.24 0.24 0.24 0.24
2016	1.20	0.24 0.24 0.24 0.24 0.24

predictions special payouts not included in total or ratios

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%)

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	23.51	36.35	50.85	64.91	53.81	51.39	40.65	38.32	48.33	33.91	Analyst estimates 2026–2028 Powerpack
	High	45.95	71.52	87.00	91.98	85.70	83.98	64.36	68.15	73.01	72.25
People
People	Employees	5,750	5,550	8,100	8,900	9,500	10,300	9,500	8,100	7,400	7,400
	Revenue/emp, $m	0.44	0.49	0.46	0.57	0.55	0.56	0.58	0.61	0.63	0.65
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
	Gross margin, %	3.72	8.87	9.61	16.49	15.01	(0.52)	(5.66)	(4.88)	9.60	4.16
	EBT	4	161	199	662	510	(249)	(371)	(347)	389	161
	EBT margin, %	0.14	5.92	5.34	13.13	9.80	(4.36)	(6.72)	(7.02)	8.38	3.36
	Net income	17	121	190	531	410	(124)	(287)	(272)	313	133
	Depreciation	20	2	67	(4)	55	100	71	107	85	81
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
	Earnings	0.33	2.34	3.25	8.04	6.24	(1.87)	(4.72)	(4.25)	4.95	2.31
	Cash flow	4.70	4.69	9.27	8.11	6.83	5.49	(3.29)	(2.10)	5.97	9.43
	Capex	(0.34)	(0.72)	(1.15)	(1.30)	(0.82)	(0.91)	(0.48)	(0.84)	(0.83)	(0.49)
	Free cash flow	4.36	3.97	8.12	6.81	6.00	4.59	(3.78)	(2.94)	5.14	8.93
	Book value	38.61	41.20	52.45	60.30	69.53	62.79	41.84	39.12	43.38	43.05
	Shares, m	51	51	58	66	66	64	64	64	64	62
Valuation, ×
Valuation, ×	P/E	137.34	29.53	20.24	9.63	12.29	0.00	0.00	0.00	13.42	18.26
	P/S	0.89	1.30	1.04	1.01	0.97	0.66	0.57	0.64	0.92	0.52
	P/B	1.14	1.67	1.27	1.29	1.11	0.94	1.17	1.27	1.53	0.94
	EV/Sales	1.14	1.50	1.26	1.14	1.15	0.83	0.78	0.91	1.21	0.70
	EV/FCF	13.86	20.99	9.98	14.12	16.95	(74.43)	(7.20)	(8.29)	(209.41)	16.88
Cash, $m
Cash, $m	Operating cash flow	241	241	539	534	448	351	(210)	(134)	383	585
	Capex	(18)	(37)	(67)	(85)	(54)	(58)	(31)	(54)	(53)	(31)
	Free cash flow	223	204	472	449	394	293	(241)	(188)	330	554
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)
	Total debt	752	592	909	778	1,173	1,122	1,387	1,389	1,392	944
	Net debt	636	547	834	642	967	974	1,175	1,325	1,327	819
	Shareholders’ equity	1,975	2,116	3,050	3,972	4,563	4,008	2,671	2,505	2,784	2,669
Returns, %
Returns, %	ROA	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
	ROE	0.85	5.91	7.36	15.13	9.60	(2.89)	(8.58)	(10.51)	12.02	5.26

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
PRCH Porch Group, Inc.	$2.0B	— (loss-making)	— (loss-making)	+11.74% (above 0%: growing)	n/m	+13.30% (above 0%: growing)	62.17%	(2.92%)	Compare
HMN Horace Mann Educators Corporation	$1.9B	10.7×	11.7×	+7.72% (above 0%: growing)	+43.66% (above 0%: growing)	+70.37% (above 0%: growing)	45.68%	13.21%	Compare
KMPR Kemper Corporation	$1.7B	— (loss-making)	14.6×	−10.84% (below 0%: shrinking)	n/m	−76.71% (below 0%: shrinking)	0.17%	(41.92%)
STC Stewart Information Services Corporation	$1.6B	11.5×	12.3×	+24.52% (above 0%: growing)	+7.08% (above 0%: growing)	−12.37% (below 0%: shrinking)	64.98%	9.41%	Compare
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
UFCS United Fire Group, Inc	$1.4B	10.5×	10.8×	+14.38% (above 0%: growing)	+48.28% (above 0%: growing)	−34.70% (below 0%: shrinking)	33.66%	11.76%	Compare
UVE UNIVERSAL INSURANCE HOLDINGS INC	$1.3B	6.0×	8.1×	+6.72% (above 0%: growing)	+71.20% (above 0%: growing)	−4.81% (below 0%: shrinking)	26.79%	19.11%	Compare
ASIC Ategrity Specialty Insurance Company Holdings	$1.3B	12.3×	10.2×	+45.89% (above 0%: growing)	+75.00% (above 0%: growing)	+47.83% (above 0%: growing)	31.87%	31.28%	Compare
TRUP Trupanion, Inc.	$1.2B	52.1×	40.6×	+11.14% (above 0%: growing)	−27.27% (below 0%: shrinking)	+59.01% (above 0%: growing)	16.58%	1.62%	Compare
Median of peers	$1.5B	11.5×	11.3×	+11.44%	+43.66%	+15.09%	32.77%	12.48%

All 45 Insurance Property & Casualty stocks →