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Kemper (KMPR) Financials

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$27.75 -1.96 (-6.60%)
As of 03:58 PM Eastern
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Annual Income Statements for Kemper

Annual Income Statements for Kemper

This table shows Kemper's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 86 17 121 190 531 410 -124 -287 -272 318 143
Consolidated Net Income / (Loss)		 86 17 121 190 517 410 -124 -287 -272 313 133
Net Income / (Loss) Continuing Operations		 80 13 120 188 517 410 -124 -287 -272 313 133
Total Pre-Tax Income 		100 3.50 161 199 648 510 -249 -371 -347 389 161
Total Revenue		 2,341 2,555 2,738 3,725 5,039 5,225 5,730 5,550 4,945 4,644 4,790
Net Interest Income / (Expense)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Non-Interest Income		 2,341 2,555 2,738 3,725 5,053 5,225 5,730 5,550 4,945 4,644 4,790
Other Service Charges		 3.70 3.20 4.00 42 36 95 4.80 9.20 10 11 -2.00
Net Realized & Unrealized Capital Gains on Investments		 328 331 384 363 545 458 431 347 401 421 411
Premiums Earned		 2,010 2,220 2,350 3,384 4,472 4,672 5,179 5,213 4,529 4,216 4,396
Other Non-Interest Income		 - - - -64 - 0.00 115 -20 4.70 -2.70 -15
Total Non-Interest Expense		 2,241 2,551 2,577 3,526 4,391 4,715 5,979 5,921 5,292 4,256 4,629
Current and Future Benefits		 - - 1,837 2,467 3,188 3,324 4,520 4,433 3,820 3,013 3,376
Other Operating Expenses		 753 738 725 1,060 1,184 1,372 1,448 1,459 1,422 1,237 1,254
Impairment Charge		 11 33 14 - 14 20 11 26 51 5.80 0.00
Income Tax Expense		 20 -9.20 41 11 131 100 -126 -84 -75 76 28
Net Income / (Loss) Attributable to Noncontrolling Interest		 - - - - - - 0.00 0.00 -0.20 -5.30 -11
Basic Earnings per Share		 $1.65 $0.33 $2.34 $3.25 $8.04 $6.24 ($1.92) ($4.50) ($4.25) $4.95 $2.31
Weighted Average Basic Shares Outstanding		 51.61M 51.16M 51.35M 58.15M 66.67M 65.45M 63.69M 63.96M 64.32M 63.90M 58.71M
Diluted Earnings per Share		 $1.65 $0.33 $2.33 $3.22 $7.96 $6.14 ($1.92) ($4.50) ($4.25) $4.91 $2.29
Weighted Average Diluted Shares Outstanding		 51.61M 51.16M 51.35M 58.15M 66.67M 65.45M 63.69M 63.96M 64.32M 63.90M 58.71M
Weighted Average Basic & Diluted Shares Outstanding		 51.61M 51.16M 51.35M 58.15M 66.67M 65.45M 63.69M 63.96M 64.32M 63.90M 58.71M
Cash Dividends to Common per Share		 $0.96 $0.96 $0.96 $0.96 $1.03 $1.20 $1.24 $1.24 $1.24 $1.24 $1.28

Quarterly Income Statements for Kemper

This table shows Kemper's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 -146 51 71 75 74 97 100 73 -21 -8.00 -1.70
Consolidated Net Income / (Loss)		 -146 51 70 74 72 96 97 70 -24 -10 -4.40
Net Income / (Loss) Continuing Operations		 -146 51 70 74 72 96 97 70 -24 -10 -4.40
Total Pre-Tax Income 		-191 64 87 92 91 119 120 88 -33 -14 -7.90
Total Revenue		 1,199 1,188 1,143 1,130 1,179 1,193 1,193 1,226 1,240 1,131 1,107
Net Interest Income / (Expense)		 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Interest Income		 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Interest Expense		 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Non-Interest Income		 1,199 1,188 1,143 1,130 1,179 1,193 1,193 1,226 1,240 1,131 1,107
Other Service Charges		 2.40 1.90 2.20 3.00 2.70 1.80 2.60 3.10 2.90 -11 3.40
Net Realized & Unrealized Capital Gains on Investments		 76 127 106 94 112 108 102 96 109 104 108
Premiums Earned		 1,118 1,064 1,032 1,034 1,069 1,082 1,088 1,131 1,133 1,044 999
Other Non-Interest Income		 3.60 -4.60 3.40 -1.20 -4.50 0.80 0.10 -4.10 -5.20 -6.20 -3.00
Total Non-Interest Expense		 1,390 1,125 1,056 1,038 1,088 1,073 1,073 1,138 1,273 1,145 1,115
Current and Future Benefits		 975 808 756 744 769 743 767 829 925 855 829
Other Operating Expenses		 415 316 300 294 319 324 306 309 348 290 286
Income Tax Expense		 -44 12 16 18 19 24 23 18 -8.90 -3.50 -3.50
Net Income / (Loss) Attributable to Noncontrolling Interest		 -0.10 -0.10 -1.10 -1.00 -1.50 -1.70 -2.70 -2.80 -3.20 -2.00 -2.70
Basic Earnings per Share		 ($2.28) $0.80 $1.11 $1.17 $1.15 $1.52 $1.56 $1.13 ($0.34) ($0.04) ($0.03)
Weighted Average Basic Shares Outstanding		 64.09M 64.32M 64.38M 64.43M 64.05M 63.90M 63.99M 62.74M 58.55M 58.71M 58.87M
Diluted Earnings per Share		 ($2.28) $0.80 $1.10 $1.16 $1.14 $1.51 $1.54 $1.12 ($0.34) ($0.03) ($0.03)
Weighted Average Diluted Shares Outstanding		 64.09M 64.32M 64.38M 64.43M 64.05M 63.90M 63.99M 62.74M 58.55M 58.71M 58.87M
Weighted Average Basic & Diluted Shares Outstanding		 64.09M 64.32M 64.38M 64.43M 64.05M 63.90M 63.99M 62.74M 58.55M 58.71M 58.87M
Cash Dividends to Common per Share		 $0.31 - $0.31 $0.31 $0.31 - $0.32 $0.32 $0.32 - $0.32

Annual Cash Flow Statements for Kemper

This table details how cash moves in and out of Kemper's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 86 -46 -70 29 62 69 -58 64 -148 1.30 61
Net Cash From Operating Activities		 215 241 241 539 534 448 351 -210 -134 383 585
Net Cash From Continuing Operating Activities		 215 241 241 539 534 448 351 -210 -134 383 585
Net Income / (Loss) Continuing Operations		 86 17 121 190 531 410 -124 -287 -272 313 133
Consolidated Net Income / (Loss)		 86 17 121 190 531 410 -124 -287 -272 313 133
Depreciation Expense		 30 30 30 16 33 36 46 71 59 54 74
Non-Cash Adjustments to Reconcile Net Income		 -15 9.70 -49 53 -206 -31 -141 116 134 37 17
Changes in Operating Assets and Liabilities, net		 100 178 134 124 146 14 515 -110 -54 -20 361
Net Cash From Investing Activities		 -29 -238 -105 -498 -633 -757 -118 -108 108 -244 336
Net Cash From Continuing Investing Activities		 -29 -238 -105 -498 -633 -757 -118 -108 108 -244 336
Purchase of Investment Securities		 -1,031 -1,032 -1,132 -3,004 -1,909 -1,806 -1,950 -2,098 -930 -1,759 -1,007
Sale and/or Maturity of Investments		 1,012 812 1,027 3,062 1,276 1,049 1,832 1,975 1,038 1,515 1,343
Net Cash From Financing Activities		 -101 -48 -205 -12 161 378 -290 383 -122 -137 -860
Net Cash From Continuing Financing Activities		 -101 -48 -205 -12 161 378 -290 383 -122 -137 -860
Issuance of Debt		 247 0.00 203 262 50 397 0.00 877 123 102 0.00
Repayment of Debt		 -259 0.00 -363 -218 -569 -306 -444 -420 -169 -121 -516
Repurchase of Common Equity		 -45 -3.80 - 0.00 0.00 -110 -162 0.00 0.00 -39 -302
Payment of Dividends		 -50 -49 -50 -56 -68 -79 -81 -80 -80 -80 -80
Other Financing Activities, Net		 5.40 4.60 4.00 0.00 620 477 396 5.50 3.80 0.20 37
Cash Interest Paid		 - - - - - - 44 52 55 55 44
Cash Income Taxes Paid		 - - - - - - -38 -0.70 -107 11 35

Quarterly Cash Flow Statements for Kemper

This table details how cash moves in and out of Kemper's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 39 -48 63 -19 -51 8.50 50 62 -70 19 -33
Net Cash From Operating Activities		 -39 -30 43 23 142 175 180 90 140 175 89
Net Cash From Continuing Operating Activities		 -39 -30 43 23 142 175 180 90 140 175 89
Net Income / (Loss) Continuing Operations		 -146 51 70 74 72 96 97 70 -24 -10 -4.40
Consolidated Net Income / (Loss)		 -146 51 70 74 72 96 97 70 -24 -10 -4.40
Depreciation Expense		 13 20 15 11 11 20 13 13 36 13 12
Non-Cash Adjustments to Reconcile Net Income		 96 -15 -2.50 14 4.50 19 -0.70 9.60 1.30 6.40 2.00
Changes in Operating Assets and Liabilities, net		 -4.60 -74 -39 -78 52 47 71 -2.80 127 166 80
Net Cash From Investing Activities		 140 2.70 39 -6.70 -122 -155 351 10 52 -77 -63
Net Cash From Continuing Investing Activities		 140 2.70 39 -6.70 -122 -155 351 10 52 -77 -63
Purchase of Investment Securities		 -110 -249 -342 -360 -446 -573 -399 -341 -373 -389 -443
Sale and/or Maturity of Investments		 251 252 382 354 323 419 749 351 425 311 381
Other Investing Activities, net		 - - - - - - 0.70 - - - -1.10
Net Cash From Financing Activities		 -63 -21 -20 -36 -70 -12 -481 -38 -262 -79 -59
Net Cash From Continuing Financing Activities		 -63 -21 -20 -36 -70 -12 -481 -38 -262 -79 -59
Issuance of Debt		 - - 26 34 3.70 -63 20 10 0.30 -30 0.00
Repayment of Debt		 -53 123 -21 -50 -30 -20 -478 -0.80 -24 -15 -42
Repurchase of Common Equity		 - - 0.00 - - -14 -4.00 -29 -219 -51 0.00
Payment of Dividends		 -20 -20 -20 -20 -20 -20 -20 -21 -20 -19 -18
Other Financing Activities, Net		 9.90 -124 -5.10 1.30 1.30 105 0.80 1.80 1.00 35 0.80
Cash Interest Paid		 20 7.30 20 17 25 2.50 25 2.60 15 2.50 15

Annual Balance Sheets for Kemper

This table presents Kemper's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 8,036 8,211 8,376 11,545 12,989 14,342 14,917 13,314 12,743 12,630 12,473
Cash and Due from Banks		 162 116 46 75 137 206 148 212 64 64 126
Trading Account Securities		 5,376 5,607 5,909 7,150 7,871 8,730 9,099 7,371 8,141 7,634 7,268
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Unearned Premiums Asset		 332 337 366 1,007 1,117 1,195 1,419 1,287 960 978 976
Deferred Acquisition Cost		 316 332 365 470 538 589 678 636 592 630 1,313
Goodwill		 323 323 323 1,112 1,114 1,114 1,312 1,300 1,251 1,251 1,251
Other Assets		 1,527 1,497 1,368 1,730 2,212 2,508 1,319 2,507 1,733 2,062 1,608
Total Liabilities & Shareholders' Equity		 8,036 8,211 8,376 11,545 12,989 14,342 14,917 13,314 12,743 12,630 12,473
Total Liabilities		 6,044 6,235 6,261 8,495 9,017 9,779 1,349 10,643 10,238 9,846 14,450
Claims and Claim Expense		 863 931 1,017 5,367 1,970 1,983 - 2,757 6,103 5,812 12,426
Unearned Premiums Liability		 613 619 654 1,424 1,546 1,615 - 1,704 1,301 1,275 1,245
Other Long-Term Liabilities		 476 458 477 795 911 1,014 227 817 788 720 779
Total Equity & Noncontrolling Interests		 1,992 1,975 2,116 3,050 3,972 4,563 4,008 2,671 2,505 2,784 2,669
Total Preferred & Common Equity		 1,992 1,975 2,116 3,050 3,972 4,563 4,008 2,671 2,505 2,788 2,681
Total Common Equity		 1,992 1,975 2,116 3,050 3,972 4,563 4,001 2,671 2,505 2,788 2,676
Common Stock		 659 665 678 1,673 1,826 1,812 1,791 1,819 1,852 1,861 1,724
Retained Earnings		 1,209 1,173 1,243 1,356 1,810 2,071 1,763 1,366 1,014 1,232 1,158
Accumulated Other Comprehensive Income / (Loss)		 124 137 194 22 336 681 448 -515 -361 -305 -206
Noncontrolling Interest		 - - - - - - - - -0.20 -4.10 -12

Quarterly Balance Sheets for Kemper

This table presents Kemper's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 13,458 13,404 13,096 12,549 12,626 12,544 12,873 12,467 12,601 12,443 12,411
Cash and Due from Banks		 249 61 74 112 127 107 57 115 177 107 93
Trading Account Securities		 7,180 7,669 7,467 6,951 7,006 7,125 7,322 6,990 7,163 7,134 7,204
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Unearned Premiums Asset		 1,346 1,344 1,246 1,103 953 988 983 1,065 1,050 1,034 1,005
Deferred Acquisition Cost		 635 652 646 622 595 608 621 651 660 660 671
Goodwill		 1,299 1,300 1,251 1,251 1,251 1,251 1,251 1,251 1,251 1,251 1,251
Other Assets		 2,829 1,537 2,493 2,511 2,691 2,459 2,632 2,396 2,301 2,258 2,188
Total Liabilities & Shareholders' Equity		 13,458 13,404 13,096 12,549 12,626 12,544 12,873 12,467 12,601 12,443 12,411
Total Liabilities		 11,020 2,158 10,584 10,188 10,037 9,875 10,103 9,556 9,656 9,722 9,775
Long-Term Debt		 2,090 1,388 2,088 2,045 940 1,390 1,391 942 943 943 944
Claims and Claim Expense		 2,720 - 2,680 2,725 11,784 11,541 12,031 11,749 11,821 12,274 12,509
Unearned Premiums Liability		 1,795 - 1,665 1,485 1,277 1,306 1,298 1,376 1,360 1,324 1,284
Participating Policy Holder Equity		 - - - - 661 644 618 632 641 620 568
Other Long-Term Liabilities		 4,415 770 4,151 3,934 817 762 777 724 791 685 709
Total Equity & Noncontrolling Interests		 2,438 2,647 2,512 2,361 2,589 2,669 2,770 2,912 2,946 2,722 2,635
Total Preferred & Common Equity		 2,438 2,647 2,512 2,361 2,590 2,671 2,773 2,918 2,953 2,732 2,650
Total Common Equity		 2,438 2,641 2,512 2,361 2,590 2,671 2,773 2,918 2,953 2,732 2,650
Common Stock		 1,829 1,829 1,844 1,852 1,859 1,867 1,864 1,870 1,866 1,743 1,739
Retained Earnings		 1,456 1,266 1,149 982 1,066 1,121 1,161 1,309 1,345 1,216 1,138
Accumulated Other Comprehensive Income / (Loss)		 -847 -455 -481 -473 -335 -317 -253 -261 -258 -227 -227
Noncontrolling Interest		 - - - -0.10 -1.10 -1.90 -2.90 -6.10 -7.90 -11 -15

Annual Metrics And Ratios for Kemper

This table displays calculated financial ratios and metrics derived from Kemper's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 58,546,860.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 58,546,860.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 2.26
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.65 $0.33 $2.34 $3.25 $8.04 $6.24 ($1.87) ($4.72) ($4.25) $4.95 $2.31
Adjusted Weighted Average Basic Shares Outstanding		 51.33M 51.29M 51.46M 64.76M 66.67M 65.45M 63.69M 63.96M 64.32M 63.90M 58.71M
Adjusted Diluted Earnings per Share		 $1.65 $0.33 $2.33 $3.22 $7.96 $6.14 ($1.87) ($4.72) ($4.25) $4.91 $2.29
Adjusted Weighted Average Diluted Shares Outstanding		 51.33M 51.29M 51.46M 64.76M 66.67M 65.45M 63.69M 63.96M 64.32M 63.90M 58.71M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 51.33M 51.29M 51.46M 64.76M 66.67M 65.45M 63.69M 63.96M 64.32M 63.90M 58.71M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for Kemper

This table displays calculated financial ratios and metrics derived from Kemper's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - 58,546,860.00 58,714,589.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 58,546,860.00 58,714,589.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - -0.17 -0.07
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -11.91% -15.15% -11.72% -10.52% -1.71% 0.36% 4.37% 8.47% 5.16% - -7.19%
EBITDA Growth		 -147.59% 302.93% 215.39% 207.14% 159.38% 68.31% 30.73% -4.29% -97.50% - -97.20%
EBIT Growth		 -117.31% 187.11% 183.35% 179.29% 147.54% 87.87% 38.34% -4.79% -136.49% - -106.59%
NOPAT Growth		 -117.31% 200.53% 196.52% 191.70% 154.06% 86.55% 38.18% -6.18% -132.09% - -105.70%
Net Income Growth		 -95.72% 196.25% 187.64% 176.62% 149.32% 86.55% 38.18% -6.18% -133.52% - -104.54%
EPS Growth		 -94.87% 195.24% 188.00% 176.32% 150.00% 88.75% 40.00% -3.45% -129.82% - -101.95%
Operating Cash Flow Growth		 51.81% 26.12% 726.92% 132.21% 467.62% 689.56% 318.60% 291.27% -1.41% - -50.67%
Free Cash Flow Firm Growth		 -101.00% -90.73% 210.08% -36.06% -1,039.79% -120.31% -97.46% 317.90% 794.76% - 21.21%
Invested Capital Growth		 -2.69% -18.17% -68.51% -1.98% 4.65% 7.23% -3.14% -13.78% -20.53% - -7.12%
Revenue Q/Q Growth		 -5.02% -0.93% -3.72% -1.15% 4.34% 1.16% 0.03% 2.73% 1.15% - -2.14%
EBITDA Q/Q Growth		 -78.37% 147.48% 40.56% 3.75% -1.14% 34.59% -5.30% -24.04% -97.41% - 1,025.00%
EBIT Q/Q Growth		 -64.62% 133.28% 36.38% 6.12% -1.31% 31.53% 0.42% -26.96% -137.83% - 41.48%
NOPAT Q/Q Growth		 -64.62% 138.41% 36.84% 5.98% -2.96% 32.55% 1.36% -28.04% -133.19% - 41.48%
Net Income Q/Q Growth		 -50.77% 135.04% 36.84% 5.98% -2.96% 32.55% 1.36% -28.04% -134.67% - 56.00%
EPS Q/Q Growth		 -50.00% 135.09% 37.50% 5.45% -1.72% 32.46% 1.99% -27.27% -130.36% - 0.00%
Operating Cash Flow Q/Q Growth		 45.71% 23.06% 244.78% -46.74% 519.65% 23.40% 2.80% -50.22% 56.14% - -49.26%
Free Cash Flow Firm Q/Q Growth		 -104.51% 7,955.06% 37.13% -98.10% -180.35% -39.95% 219.30% 211.49% 33.58% - -95.62%
Invested Capital Q/Q Growth		 -4.23% -11.62% 356.18% 13.35% 2.26% -9.44% -7.72% 0.90% -5.75% - 281.00%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 -14.57% 6.98% 8.85% 9.29% 8.80% 11.71% 11.09% 8.20% 0.21% - 0.33%
EBIT Margin		 -15.91% 5.34% 7.58% 8.13% 7.69% 10.00% 10.04% 7.14% -2.67% - -0.71%
Profit (Net Income) Margin		 -12.21% 4.32% 6.14% 6.58% 6.12% 8.02% 8.13% 5.70% -1.95% - -0.40%
Tax Burden Percent		 76.73% 80.79% 81.06% 80.96% 79.60% 80.22% 80.97% 79.77% 73.11% - 55.70%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00%
Effective Tax Rate		 0.00% 19.21% 18.94% 19.04% 20.40% 19.78% 19.03% 20.23% 0.00% - 0.00%
Return on Invested Capital (ROIC)		 -12.86% 4.93% 3.54% 6.74% 6.30% 9.24% 9.75% 6.50% -2.19% - -0.63%
ROIC Less NNEP Spread (ROIC-NNEP)		 -13.48% 4.93% 3.54% 6.74% 6.30% 9.24% 9.75% 6.50% -2.27% - -0.51%
Return on Net Nonoperating Assets (RNNOA)		 -11.61% 3.32% 7.70% 5.11% 4.77% 4.86% 4.13% 3.22% -1.15% - -0.17%
Return on Equity (ROE)		 -24.47% 8.25% 11.24% 11.84% 11.07% 14.09% 13.88% 9.72% -3.34% - -0.81%
Cash Return on Invested Capital (CROIC)		 -4.85% 14.37% 102.88% 3.08% 1.40% 0.76% 11.85% 22.77% 28.63% - 8.23%
Operating Return on Assets (OROA)		 -6.31% 2.03% 2.79% 2.96% 2.81% 3.66% 3.76% 2.72% -1.02% - -0.27%
Return on Assets (ROA)		 -4.84% 1.64% 2.26% 2.39% 2.24% 2.94% 3.04% 2.17% -0.75% - -0.15%
Return on Common Equity (ROCE)		 -24.47% 8.25% 11.23% 11.85% 11.08% 14.10% 13.90% 9.73% -3.35% - -0.81%
Return on Equity Simple (ROE_SIMPLE)		 -15.96% 0.00% -4.71% 1.85% 9.67% 0.00% 11.63% 11.33% 8.72% - 1.18%
Net Operating Profit after Tax (NOPAT)		 -134 51 70 74 72 96 97 70 -23 - -5.53
NOPAT Margin		 -11.14% 4.32% 6.14% 6.58% 6.12% 8.02% 8.13% 5.70% -1.87% - -0.50%
Net Nonoperating Expense Percent (NNEP)		 0.62% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.07% - -0.12%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Operating Expenses to Revenue		 115.91% 94.66% 92.42% 91.87% 92.31% 90.00% 89.96% 92.86% 102.67% - 100.71%
Earnings before Interest and Taxes (EBIT)		 -191 64 87 92 91 119 120 88 -33 - -7.90
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -175 83 101 105 104 140 132 101 2.60 - 3.70
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.11 1.22 1.52 1.42 1.42 1.53 1.46 1.40 1.18 - 0.68
Price to Tangible Book Value (P/TBV)		 2.37 2.44 2.93 2.68 2.59 2.77 2.56 2.43 2.18 - 1.28
Price to Revenue (P/Rev)		 0.51 0.62 0.82 0.82 0.85 0.92 0.91 0.86 0.67 - 0.38
Price to Earnings (P/E)		 0.00 0.00 0.00 73.37 14.52 13.39 12.34 12.03 13.01 - 42.82
Dividend Yield		 3.02% 2.60% 2.02% 2.10% 2.02% 1.87% 1.87% 1.95% 2.46% - 4.19%
Earnings Yield		 0.00% 0.00% 0.00% 1.36% 6.89% 7.47% 8.10% 8.31% 7.69% - 2.34%
Enterprise Value to Invested Capital (EV/IC)		 1.04 1.13 1.30 1.23 1.24 1.34 1.32 1.26 1.11 - 0.74
Enterprise Value to Revenue (EV/Rev)		 0.88 0.89 1.08 1.19 1.23 1.20 1.08 1.02 0.84 - 0.56
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 53.49 14.99 12.61 10.76 10.43 11.04 - 24.73
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 108.03 17.21 14.36 12.08 11.71 13.83 - 79.73
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 111.74 21.36 17.85 15.01 14.60 17.04 - 84.33
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 32.16 14.57 9.79 8.33 6.94 - 5.33
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 7.05 0.61 39.37 90.91 181.11 10.97 5.11 3.43 - 8.61
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.87 0.55 0.54 0.69 0.66 0.50 0.32 0.32 0.35 - 0.36
Long-Term Debt to Equity		 0.87 0.55 0.36 0.52 0.50 0.34 0.32 0.32 0.35 - 0.36
Financial Leverage		 0.86 0.67 2.17 0.76 0.76 0.53 0.42 0.50 0.51 - 0.34
Leverage Ratio		 5.42 5.03 4.97 4.95 4.95 4.80 4.56 4.48 4.61 - 4.49
Compound Leverage Factor		 5.42 5.03 4.97 4.95 4.95 4.80 4.56 4.48 4.61 - 4.49
Debt to Total Capital		 46.41% 35.67% 34.93% 40.81% 39.92% 33.32% 24.45% 24.24% 25.73% - 26.38%
Short-Term Debt to Total Capital		 0.00% 0.00% 11.30% 9.97% 9.76% 10.77% 0.00% 0.00% 0.00% - 0.00%
Long-Term Debt to Total Capital		 46.41% 35.67% 23.63% 30.83% 30.16% 22.55% 24.45% 24.24% 25.73% - 26.38%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Noncontrolling Interests to Total Capital		 0.00% -0.01% -0.03% -0.04% -0.06% -0.10% -0.16% -0.20% -0.29% - -0.41%
Common Equity to Total Capital		 53.59% 64.33% 65.09% 59.23% 60.14% 66.77% 75.71% 75.96% 74.55% - 74.03%
Debt to EBITDA		 -4.90 -4.82 -13.95 17.80 4.82 3.15 1.99 2.01 2.57 - 8.87
Net Debt to EBITDA		 -4.63 -4.59 -12.68 16.76 4.67 3.00 1.75 1.63 2.27 - 8.00
Long-Term Debt to EBITDA		 -4.90 -4.82 -9.44 13.45 3.64 2.13 1.99 2.01 2.57 - 8.87
Debt to NOPAT		 -6.04 -5.72 -12.68 37.18 6.87 4.45 2.78 2.82 3.96 - 30.26
Net Debt to NOPAT		 -5.71 -5.45 -11.52 35.01 6.65 4.25 2.44 2.29 3.51 - 27.29
Long-Term Debt to NOPAT		 -6.04 -5.72 -8.58 28.09 5.19 3.01 2.78 2.82 3.96 - 30.26
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.10% -0.04% -0.06% -0.08% -0.13% -0.17% -0.24% - -0.37%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -12 916 8,725 165 -133 -186 222 691 923 - 269
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Operating Cash Flow to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.40 0.38 0.37 0.36 0.37 0.37 0.37 0.38 0.38 - 0.38
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 4,406 3,894 3,979 4,510 4,611 4,176 3,854 3,888 3,665 - 3,579
Invested Capital Turnover		 1.15 1.14 0.58 1.02 1.03 1.15 1.20 1.14 1.17 - 1.27
Increase / (Decrease) in Invested Capital		 -122 -865 -8,655 -91 205 282 -125 -621 -947 - -275
Enterprise Value (EV)		 4,563 4,383 5,191 5,531 5,727 5,578 5,092 4,888 4,060 - 2,631
Market Capitalization		 2,630 3,058 3,929 3,800 3,946 4,255 4,272 4,130 3,234 - 1,794
Book Value per Share		 $36.86 $39.09 $40.23 $41.49 $43.05 $43.54 $45.66 $46.15 $43.54 - $45.13
Tangible Book Value per Share		 $17.34 $19.57 $20.80 $22.07 $23.63 $24.01 $26.09 $26.61 $23.61 - $23.83
Total Capital		 4,406 3,894 3,979 4,510 4,611 4,176 3,854 3,888 3,665 - 3,579
Total Debt		 2,045 1,389 1,390 1,840 1,841 1,392 942 943 943 - 944
Total Long-Term Debt		 2,045 1,389 940 1,390 1,391 942 942 943 943 - 944
Net Debt		 1,933 1,325 1,263 1,733 1,784 1,327 827 766 836 - 851
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Net Nonoperating Expense (NNE)		 13 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.03 - -1.13
Net Nonoperating Obligations (NNO)		 2,045 1,389 1,390 1,840 1,841 1,392 942 943 943 - 944
Total Depreciation and Amortization (D&A)		 16 20 15 13 13 20 13 13 36 - 12
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($2.28) $0.80 $1.11 $1.17 $1.15 $1.52 $1.56 $1.13 ($0.34) ($0.04) ($0.03)
Adjusted Weighted Average Basic Shares Outstanding		 64.09M 64.32M 64.38M 64.43M 64.05M 63.90M 63.99M 62.74M 58.55M 58.71M 58.87M
Adjusted Diluted Earnings per Share		 ($2.28) $0.80 $1.10 $1.16 $1.14 $1.51 $1.54 $1.12 ($0.34) ($0.03) ($0.03)
Adjusted Weighted Average Diluted Shares Outstanding		 64.09M 64.32M 64.38M 64.43M 64.05M 63.90M 63.99M 62.74M 58.55M 58.71M 58.87M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 64.09M 64.32M 64.38M 64.43M 64.05M 63.90M 63.99M 62.74M 58.55M 58.71M 58.87M
Normalized Net Operating Profit after Tax (NOPAT)		 -134 51 70 74 72 96 97 70 -23 - -5.53
Normalized NOPAT Margin		 -11.14% 4.32% 6.14% 6.58% 6.12% 8.02% 8.13% 5.70% -1.87% - -0.50%
Pre Tax Income Margin		 -15.91% 5.34% 7.58% 8.13% 7.69% 10.00% 10.04% 7.14% -2.67% - -0.71%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
NOPAT to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
EBIT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
NOPAT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 -21.12% -29.42% -65.74% 162.22% 29.99% 25.63% 23.81% 24.29% 33.86% - 249.04%
Augmented Payout Ratio		 -21.12% -29.42% -65.74% 162.22% 39.31% 38.08% 36.46% 45.62% 145.15% - 1,203.85%

Financials Breakdown Chart

Key Financial Trends

Here are key takeaways for Kemper (KMPR) from the latest four years of quarterly statements, highlighting trends in cash flow, earnings, and the balance sheet for retail investors.

  • Cash flow from continuing operating activities remained strong in 2025, with quarterly figures: Q1 2025 around $180,000,000; Q2 2025 around $89,600,000; Q3 2025 about $139,900,000; and Q4 2025 about $175,000,000.
  • Investments generated meaningful capital gains: Net Realized & Unrealized Capital Gains on Investments averaged about $95–109 million per quarter in 2025 (Q1 2025 about $102.1M; Q2 2025 about $95.8M; Q3 2025 about $108.7M; Q4 2025 about $103.9M).
  • Premiums Earned remained a core revenue driver, roughly in the $1.0–1.13 billion per quarter range in 2025 (Q1 around $1.08–1.10B; Q2 $1.0337B; Q3 $1.1333B; Q4 $1.0433B).
  • Shareholder returns via dividends continued at a steady pace, with cash dividends per share around $0.31–$0.32 in 2025 (Q1 0.31; Q2 0.32; Q4 0.32).
  • Balance sheet remains solid and balanced: total assets around $12.4–12.6 billion in 2025, total equity around $2.7–2.9 billion, and long‑term debt near $0.94 billion, indicating a stable capital structure.
  • Earnings show volatility: net income to common swung from positive in Q1 2025 (+$99.7M) and Q2 2025 (+$72.6M) to negative in Q3 2025 (−$21.0M) and Q4 2025 (−$8.0M).
  • Shares outstanding have fluctuated due to buybacks, with weighted average shares around 58.7 million in Q3–Q4 2025 vs about 62.7 million earlier in 2025, suggesting some EPS support from share repurchases.
  • Earnings per share swung into negative in several 2025 quarters (Q3 2025 diluted EPS −0.34; Q4 2025 diluted EPS −0.03), signaling profitability headwinds.
  • Financing activities consumed cash in multiple 2025 quarters (Q4 2025 net cash from financing activities −$79.2 million; Q3 2025 −$261.5 million), highlighting ongoing debt and capital management pressures.
  • Profitability remains variable across years, with several quarters showing negative net income even as strong revenue and cash flow metrics appear, indicating earnings sensitivity to underwriting and investment swings.
05/26/26 08:37 PM ETAI Generated. May Contain Errors.

Kemper Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Kemper's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Kemper's net income appears to be on a downward trend, with a most recent value of $132.60 million in 2025, rising from $85.70 million in 2015. The previous period was $312.50 million in 2024. View Kemper's forecast to see where analysts expect Kemper to go next.

Over the last 10 years, Kemper's total revenue changed from $2.34 billion in 2015 to $4.79 billion in 2025, a change of 104.6%.

Kemper's total liabilities were at $14.45 billion at the end of 2025, a 46.8% increase from 2024, and a 139.1% increase since 2015.

In the past 10 years, Kemper's cash and equivalents has ranged from $45.70 million in 2017 to $212.40 million in 2022, and is currently $126 million as of their latest financial filing in 2025.


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Financial statements for NYSE:KMPR last updated on 5/8/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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