KMPR · Kemper Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.11B | - | $1.24B | $1.23B | $1.19B | - | $1.18B | $1.13B | $1.14B | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | $132.40M | $114.10M | $86.30M | - |
| Interest Expense | - | - | $9.10M | $9.00M | $11.40M | - | $14.40M | $13.90M | $14.00M | - |
| Income Tax | ($3.50M) | - | ($8.90M) | $17.70M | $22.80M | - | $18.50M | $17.50M | $16.40M | - |
| Net Income | ($1.70M) | - | ($21.00M) | $72.60M | $99.70M | - | $73.70M | $75.40M | $71.30M | - |
| EPS - Basic | ($0.03) | - | ($0.34) | $1.13 | $1.56 | - | $1.15 | $1.17 | $1.11 | - |
| EPS - Diluted | ($0.03) | - | ($0.34) | $1.12 | $1.54 | - | $1.14 | $1.16 | $1.10 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $92.60M | $126.00M | $107.40M | $177.00M | $115.40M | $65.40M | $56.90M | $107.40M | $126.70M | $64.10M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $12.41B | $12.47B | $12.44B | $12.60B | $12.47B | $12.63B | $12.87B | $12.54B | $12.63B | $12.74B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $944.00M | $943.50M | $943.10M | $942.60M | $942.10M | $941.70M | $1.39B | $1.39B | $1.39B | $1.39B |
| Total Liabilities | $9.78B | $9.80B | $9.72B | $9.66B | $9.56B | $9.85B | $10.10B | $9.88B | $10.04B | $10.24B |
| Stockholders' Equity | $2.65B | $2.68B | $2.73B | $2.95B | $2.92B | $2.79B | $2.77B | $2.67B | $2.59B | $2.51B |
| Retained Earnings | $1.14B | $1.16B | $1.22B | $1.35B | $1.31B | $1.23B | $1.16B | $1.12B | $1.07B | $1.01B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $88.80M | - | - | - | $180.00M | - | - | - | $43.00M | - |
| Investing Cash Flow | ($63.10M) | - | - | - | $351.10M | - | - | - | $39.30M | - |
| Financing Cash Flow | ($59.10M) | - | - | - | ($481.10M) | - | - | - | ($19.70M) | - |
| CapEx | $10.90M | - | - | - | $7.70M | - | - | - | $15.30M | - |
| Free Cash Flow | $77.90M | - | - | - | $172.30M | - | - | - | $27.70M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | 11.2% | 10.1% | 7.6% | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | -0.2% | - | -1.7% | 5.9% | 8.4% | - | 6.3% | 6.7% | 6.2% | - |
| Free cash flow margin | 7.0% | - | - | - | 14.4% | - | - | - | 2.4% | - |
| FCF / Net income | -45.82 | - | - | - | 1.73 | - | - | - | 0.39 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | - | - | - | 19.6% | 18.6% | - | 20.1% | 18.8% | 18.7% | - |
| Return on assets | -0.0% | - | -0.2% | 0.6% | 0.8% | - | 0.6% | 0.6% | 0.6% | - |
| Return on equity | -0.1% | - | -0.8% | 2.5% | 3.4% | - | 2.7% | 2.8% | 2.8% | - |
| Return on invested capital | - | - | - | - | - | - | 2.5% | 2.3% | 1.8% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.36 | 0.35 | 0.35 | 0.32 | 0.32 | 0.34 | 0.50 | 0.52 | 0.54 | 0.55 |
| Debt / Assets | 0.08 | 0.08 | 0.08 | 0.07 | 0.08 | 0.07 | 0.11 | 0.11 | 0.11 | 0.11 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | 9.2x | 8.2x | 6.2x | - |
| Equity multiplier | 4.68 | 4.65 | 4.55 | 4.27 | 4.27 | 4.53 | 4.64 | 4.70 | 4.88 | 5.09 |
| Liabilities / Assets | 0.79 | 0.79 | 0.78 | 0.77 | 0.77 | 0.78 | 0.78 | 0.79 | 0.79 | 0.80 |
| Efficiency | ||||||||||
| Asset turnover | 0.09 | - | 0.10 | 0.10 | 0.10 | - | 0.09 | 0.09 | 0.09 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | - | - | - | 57.6x | 43.4x | - | 53.7x | 51.1x | 56.3x | - |
| P / B | 0.7x | - | 1.2x | 1.4x | 1.5x | - | 1.4x | 1.4x | 1.5x | - |
| P / S | 1.6x | - | 2.6x | 3.4x | 3.6x | - | 3.4x | 3.4x | 3.5x | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | -7.2% | - | 5.2% | 8.5% | 4.4% | - | -1.7% | -10.5% | -11.7% | - |
| Revenue CAGR (3y) | -5.1% | - | -3.5% | -5.1% | -4.9% | - | -6.8% | -9.2% | -5.4% | - |
| Revenue CAGR (5y) | -3.9% | - | -1.7% | -0.1% | -0.6% | - | -1.1% | -2.4% | -1.6% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Net income growth (YoY) | - | - | - | -3.7% | 39.8% | - | - | - | - | - |
| EPS growth (YoY) | - | - | - | -3.4% | 40.0% | - | - | - | - | - |
| EPS CAGR (3y) | - | - | - | - | - | - | - | - | -15.9% | - |
| EPS CAGR (5y) | - | - | - | -10.1% | 10.1% | - | -9.8% | -8.8% | -14.1% | - |
| FCF growth (YoY) | -54.8% | - | - | - | 522.0% | - | - | - | - | - |
| FCF CAGR (5y) | -9.9% | - | - | - | 32.5% | - | - | - | - | - |
| Book value growth (YoY) | -9.2% | -3.8% | -1.5% | 10.6% | 12.7% | 11.3% | 17.4% | 6.3% | -2.2% | 2.5% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$4.73B totalSpecialty Property Casualty Insurance Segment$4.15B · 87.7%
Life Insurance Segment1$583.20M · 12.3%
Peer comparison
Same SIC group: Fire, Marine & Casualty Insurance
Comparing KEMPER Corp against the 5 most active filers in the same SIC group.
Dividends
$1.28/share trailing 12 months · +1.6% YoY
| Ex-date | Per share |
|---|---|
| May 18, 2026 | $0.3200 |
| Feb 17, 2026 | $0.3200 |
| Nov 17, 2025 | $0.3200 |
| Aug 18, 2025 | $0.3200 |
| May 19, 2025 | $0.3200 |
| Feb 18, 2025 | $0.3200 |
| Nov 18, 2024 | $0.3100 |
| Aug 19, 2024 | $0.3100 |
| May 10, 2024 | $0.3100 |
| Feb 16, 2024 | $0.3100 |
| Nov 13, 2023 | $0.3100 |
| Aug 11, 2023 | $0.3100 |
| May 12, 2023 | $0.3100 |
| Feb 10, 2023 | $0.3100 |
| Nov 14, 2022 | $0.3100 |
| Aug 12, 2022 | $0.3100 |
| May 13, 2022 | $0.3100 |
| Feb 11, 2022 | $0.3100 |
| Nov 12, 2021 | $0.3100 |
| Aug 13, 2021 | $0.3100 |
| May 14, 2021 | $0.3100 |
| Feb 12, 2021 | $0.3100 |
| Nov 13, 2020 | $0.3000 |
| Aug 14, 2020 | $0.3000 |