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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $4.79B | $4.64B | $4.94B | $5.58B | $5.79B | $5.21B |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | $4.63B | $4.25B | $5.29B | $5.97B | $6.04B | $4.70B |
| D&A | - | - | - | - | - | - |
| Operating Income | $388.50M | - | ($68.90M) | ($221.50M) | ($369.80M) | $546.80M |
| Interest Expense | $38.50M | $56.90M | $56.10M | $54.70M | $43.60M | $36.00M |
| Income Tax | $28.10M | $76.00M | ($74.80M) | ($88.30M) | ($124.80M) | $100.20M |
| Net Income | $143.30M | $317.80M | ($272.10M) | ($301.20M) | ($120.50M) | $409.90M |
| EPS - Basic | $2.31 | $4.95 | ($4.25) | ($4.72) | ($1.87) | $6.24 |
| EPS - Diluted | $2.29 | $4.91 | ($4.25) | ($4.72) | ($1.87) | $6.14 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $126.00M | $65.40M | $64.10M | $212.40M | $148.20M | $45.70M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $12.47B | $12.63B | $12.74B | $13.36B | $14.92B | $14.34B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | $943.50M | $1.39B | $1.39B | $1.39B | $1.12B | $1.17B |
| Total Liabilities | $9.80B | $9.85B | $10.24B | $10.92B | $10.91B | $9.78B |
| Stockholders' Equity | $2.68B | $2.79B | $2.51B | $2.44B | $4.01B | $4.56B |
| Retained Earnings | $1.16B | $1.23B | $1.01B | $1.38B | $1.76B | $2.07B |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $584.50M | $382.90M | ($134.20M) | ($210.30M) | $350.70M | $448.00M |
| Investing Cash Flow | $336.20M | ($244.40M) | $107.90M | ($108.40M) | ($118.20M) | ($757.00M) |
| Financing Cash Flow | ($860.10M) | ($137.20M) | ($122.00M) | $382.90M | ($290.40M) | $378.30M |
| CapEx | $30.60M | $53.20M | $53.80M | $30.80M | $57.80M | $53.40M |
| Free Cash Flow | $553.90M | $329.70M | ($188.00M) | ($241.10M) | $292.90M | $394.60M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 8.1% | - | -1.4% | -4.0% | -6.4% | 10.5% |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | 3.0% | 6.9% | -5.5% | -5.4% | -2.1% | 7.9% |
| Free cash flow margin | 11.6% | 7.1% | -3.8% | -4.3% | 5.1% | 7.6% |
| FCF / Net income | 3.87 | 1.04 | 0.69 | 0.80 | -2.43 | 0.96 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 16.4% | 19.3% | - | - | - | 19.6% |
| Return on assets | 1.1% | 2.5% | -2.1% | -2.3% | -0.8% | 2.9% |
| Return on equity | 5.3% | 11.4% | -10.9% | -12.3% | -3.0% | 9.0% |
| Return on invested capital | 9.0% | - | -1.4% | -4.6% | -5.7% | 7.7% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | 0.35 | 0.50 | 0.55 | 0.57 | 0.28 | 0.26 |
| Debt / Assets | 0.08 | 0.11 | 0.11 | 0.10 | 0.08 | 0.08 |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | 10.1x | - | -1.2x | -4.0x | -8.5x | 15.2x |
| Equity multiplier | 4.65 | 4.53 | 5.09 | 5.47 | 3.72 | 3.14 |
| Liabilities / Assets | 0.79 | 0.78 | 0.80 | 0.82 | 0.73 | 0.68 |
| Efficiency | ||||||
| Asset turnover | 0.38 | 0.37 | 0.39 | 0.42 | 0.39 | 0.36 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 17.7x | 13.5x | - | - | - | 12.5x |
| P / B | 0.9x | 1.5x | 1.2x | 1.3x | 0.9x | 1.1x |
| P / S | 0.5x | 0.9x | 0.6x | 0.6x | 0.7x | 1.0x |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | 3.3% | -6.2% | -11.3% | -3.7% | 11.3% | 3.3% |
| Revenue CAGR (3y) | -4.9% | -7.1% | -1.7% | 3.4% | 15.9% | 24.1% |
| Revenue CAGR (5y) | -1.7% | -1.6% | 5.8% | 15.4% | 18.1% | 17.3% |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | - | - | 68.9% | 40.1% | - | 5.4% |
| Net income growth (YoY) | -54.9% | - | 9.7% | -150.0% | - | -22.8% |
| EPS growth (YoY) | -53.4% | - | 10.0% | -152.4% | - | -22.9% |
| EPS CAGR (3y) | - | - | - | - | - | 38.1% |
| EPS CAGR (5y) | -17.9% | -9.2% | - | - | - | 30.1% |
| FCF growth (YoY) | 68.0% | - | 22.0% | - | -25.8% | -20.9% |
| FCF CAGR (5y) | 7.0% | -7.9% | - | - | - | - |
| Book value growth (YoY) | -3.8% | 11.3% | 2.5% | -39.0% | -12.2% | 14.9% |
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%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
6/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- ✓Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✓Asset turnover improved
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 |