KEMPER Corp KMPR

Financials SIC 6331 - Fire, Marine & Casualty Insurance NAICS Finance and Insurance › Insurance Carriers and Related Activities › Insurance Carriers › Direct Insurance (except Life, Health, and Medical) Carriers › Direct Property and Casualty Insurance Carriers derived NYSE

Kemper is an insurance holding company that offers complementary insurance products, through its subsidiaries, including personal and commercial automobile insurance to consumers in targeted markets and industries. Kemper also offers life and other insurance solutions to customers who desire basic protection for themselves and their families. Kemper's annual reports on Form 10-K, quarterly reports on Form 10‑Q, current reports on Form 8-K and amendments thereto are accessible free of charge through Kemper's website, kemper.com, and as soon as reasonably practicable after such materials are filed with, or furnished to, the SEC, which also maintains an Internet site at sec.gov that contains reports, proxy and information statements, and other information regarding issuers that file electronically with the SEC.

Last close 28.81 2026-10-23
Market cap $1.70B 2026-06-30 share count
52-week range 22.69 - 47.70

Valuation FY2025 figures against the last close

P/S0.4x
P/E12.6x
P/FCF3.1x
EV/EBITDA—
Dividend yield4.7%
Diluted EPS2.29

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $4.79B$4.64B$4.94B$5.52B$5.72B$5.21B$5.04B$3.73B$2.72B$2.52B
Total operating expenses $4.63B$4.25B$5.29B$5.89B$5.97B$4.70B$4.38B$3.53B$2.56B$2.52B
Operating income ——-$68.9M-$166.6M-$334.0M$546.8M$518.8M$286.2M$118.9M$3.1M
Interest expense $38.5M$56.9M$56.1M$54.7M$43.6M$36.0M$42.5M$43.3M$34.9M$44.4M
Pre-tax income $160.7M$388.5M-$347.1M-$389.5M-$245.3M$510.1M$661.6M$199.1M$161.1M$3.5M
Income tax $28.1M$76.0M$74.8M$84.4M$125.6M$100.2M$130.5M$10.7M$41.2M$9.2M
Net income $143.3M$317.8M-$272.1M-$286.6M-$123.7M$409.9M$531.1M$190.1M$120.9M$16.8M
EPS, basic 2.314.95-4.25-4.50-1.926.248.043.252.340.33
EPS, diluted 2.294.91-4.25-4.50-1.926.147.963.222.330.33
Shares, diluted (wtd. avg.) 62.6M64.8M64.0M63.8M64.3M66.7M66.5M58.8M51.6M51.2M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $126.0M$65.4M$64.1M$212.4M$148.2M$206.1M$136.8M$75.1M$45.7M—
Short-term investments ——————$470.9M$286.1M——
Goodwill $1.25B$1.25B$1.25B$1.30B$1.31B$1.11B$1.11B$1.11B$323.0M$323.0M
Other intangibles $226.5M$266.1M$268.9M$267.0M$292.9M$272.3M$328.4M$261.0M$133.2M—
Total assets $12.47B$12.63B$12.74B$13.31B$14.92B$14.34B$12.99B$11.54B$8.38B$8.21B
Short-term debt $0$449.9M$0———————
Long-term debt $943.5M$941.7M$1.39B$1.39B$1.12B$1.17B$778.4M$909.0M$592.3M$751.6M
Total liabilities $9.80B$9.85B$10.24B$10.64B$10.91B$9.78B$9.02B$8.49B$6.26B$6.24B
Retained earnings $1.16B$1.23B$1.01B$1.37B$1.76B$2.07B$1.81B$1.36B$1.24B$1.17B
Total equity $2.68B$2.79B$2.50B$241.1M-$849.7M$4.56B$3.97B$3.05B$2.12B$1.98B

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $584.5M$382.9M-$134.2M-$210.3M$350.7M$448.0M$534.3M$539.2M$240.6M$240.5M
Depreciation and amortisation $74.3M$53.7M$58.6M$70.9M$46.3M$36.2M$32.8M$15.6M$13.1M$13.6M
Capital expenditure $30.6M$53.2M$53.8M$30.8M$57.8M$53.4M$84.0M$65.3M$35.5M—
Investing cash flow $336.2M-$244.4M$107.9M-$108.4M-$118.2M-$757.0M-$633.4M-$497.6M-$105.4M-$238.1M
Financing cash flow -$860.1M-$137.2M-$122.0M$382.9M-$290.4M$378.3M$160.8M-$12.2M-$205.2M-$48.4M
Dividends paid $79.6M$80.1M$80.1M$79.7M$80.6M$78.9M$67.8M$56.4M$49.5M$49.2M
Buybacks $301.9M$38.9M$0$0$161.7M$110.4M$0$0$0$3.8M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0000860748-26-000014.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. -2B 0 2B 4B 6B Revenue, FY2016: 2.5B Net income, FY2016: 16.8M Revenue, FY2017: 2.7B Net income, FY2017: 120.9M Revenue, FY2018: 3.7B Net income, FY2018: 190.1M Revenue, FY2019: 5B Net income, FY2019: 531.1M Revenue, FY2020: 5.2B Net income, FY2020: 409.9M Revenue, FY2021: 5.7B Net income, FY2021: -123.7M Revenue, FY2022: 5.5B Net income, FY2022: -286.6M Revenue, FY2023: 4.9B Net income, FY2023: -272.1M Revenue, FY2024: 4.6B Net income, FY2024: 317.8M Revenue, FY2025: 4.8B Net income, FY2025: 143.3M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $2.52B $2.72B $3.73B $5.04B $5.21B $5.72B $5.52B $4.94B $4.64B $4.79B
Gross profit — — — — — — — — — —
Net income $16.8M $120.9M $190.1M $531.1M $409.9M -$123.7M -$286.6M -$272.1M $317.8M $143.3M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Officer or director change Item 5.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02
  • Officer or director change Item 5.02
  • Officer or director change Item 5.02
  • Officer or director change Item 5.02
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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