Kemper Corp Financials
This page shows Kemper Corp (KMPB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Kemper Corp's revenue declined 100% year-over-year, from $4.6B to $5K. This contraction results in a growth score of 0/100.
Kemper Corp carries a low D/E ratio of 0.35, meaning only $0.35 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 98/100, indicating a strong balance sheet with room for future borrowing.
Kemper Corp has a free cash flow margin of 11.6%, earning a moderate score of 58/100. The company generates positive cash flow after capital investments, but with room for improvement.
Kemper Corp generates a 5.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 21/100. This is down from 11.4% the prior year.
Kemper Corp passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Kemper Corp generates $4.08 in operating cash flow ($585 OCF vs $143 net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Kemper Corp generated $5K in revenue in fiscal year 2025. This represents a decrease of 100.0% from the prior year.
Kemper Corp generated $554 in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 100.0% from the prior year.
Kemper Corp reported $143 in net income in fiscal year 2025. This represents a decrease of 100.0% from the prior year.
Kemper Corp held $124 in cash against $944 in long-term debt as of fiscal year 2025.
Kemper Corp paid $1.24 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.
Kemper Corp had 59M shares outstanding in fiscal year 2025. This represents a decrease of 8.1% from the prior year.
Kemper Corp's net profit margin was 3.0% in fiscal year 2025, showing the share of revenue converted to profit. This is down 3.9 percentage points from the prior year.
Kemper Corp's ROE was 5.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 6.1 percentage points from the prior year.
Kemper Corp spent $302 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.
Kemper Corp invested $31 in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 100.0% from the prior year.
KMPB Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.1B-8.7% | $1.2B+1.2% | $1.2B+2.7% | $1.2B+0.5% | $1.2B+0.7% | $1.2B+4.3% | $1.1B-1.1% | $1.1B |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | $132.4M+16.0% | $114.1M+32.2% | $86.3M |
| Interest Expense | $9.0M-1.1% | $9.1M+1.1% | $9.0M-21.1% | $11.4M-21.9% | $14.6M+1.4% | $14.4M+3.6% | $13.9M-0.7% | $14.0M |
| Income Tax | -$3.5M+60.7% | -$8.9M-150.3% | $17.7M-22.4% | $22.8M-3.4% | $23.6M+27.6% | $18.5M+5.7% | $17.5M+6.7% | $16.4M |
| Net Income | -$8.0M+61.9% | -$21.0M-128.9% | $72.6M-27.2% | $99.7M+2.4% | $97.4M+32.2% | $73.7M-2.3% | $75.4M+5.8% | $71.3M |
| EPS (Diluted) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
KMPB Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $12.5B+0.2% | $12.4B-1.3% | $12.6B+1.1% | $12.5B-1.3% | $12.6B0.0% | $12.6B0.0% | $12.6B0.0% | $12.6B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $126.0M+17.3% | $107.4M-39.3% | $177.0M+53.4% | $115.4M+76.5% | $65.4M+14.9% | $56.9M-47.0% | $107.4M-15.2% | $126.7M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $1.3B | N/A | N/A | N/A | $1.3B | N/A | N/A | N/A |
| Total Liabilities | $9.8B+0.8% | $9.7B-20.5% | $12.2B+1.1% | $12.1B+22.9% | $9.8B-2.5% | $10.1B+2.3% | $9.9B-1.6% | $10.0B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $943.5M0.0% | $943.1M+0.1% | $942.6M+0.1% | $942.1M0.0% | $941.7M-32.3% | $1.4B0.0% | $1.4B0.0% | $1.4B |
| Total Equity | $2.7B-1.9% | $2.7B+638.4% | $370.0M+1.1% | $366.0M-86.9% | $2.8B+0.5% | $2.8B+674.7% | $358.0M-86.2% | $2.6B |
| Retained Earnings | $1.2B-4.8% | $1.2B-9.6% | $1.3B+2.8% | $1.3B+6.3% | $1.2B+6.0% | $1.2B+3.6% | $1.1B+5.2% | $1.1B |
KMPB Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $175.0M+25.1% | $139.9M+56.1% | $89.6M-50.2% | $180.0M+2.8% | $175.1M+23.4% | $141.9M+519.7% | $22.9M-46.7% | $43.0M |
| Capital Expenditures | $8.8M+35.4% | $6.5M-14.5% | $7.6M-1.3% | $7.7M-20.6% | $9.7M-7.6% | $10.5M-40.7% | $17.7M+15.7% | $15.3M |
| Free Cash Flow | $166.2M+24.6% | $133.4M+62.7% | $82.0M-52.4% | $172.3M+4.2% | $165.4M+25.9% | $131.4M+2426.9% | $5.2M-81.2% | $27.7M |
| Investing Cash Flow | -$77.2M-248.5% | $52.0M+404.9% | $10.3M-97.1% | $351.1M+326.8% | -$154.8M-26.7% | -$122.2M-1723.9% | -$6.7M-117.0% | $39.3M |
| Financing Cash Flow | -$79.2M+69.7% | -$261.5M-582.8% | -$38.3M+92.0% | -$481.1M-3977.1% | -$11.8M+83.2% | -$70.2M-97.7% | -$35.5M-80.2% | -$19.7M |
| Dividends Paid | $18.9M-4.1% | $19.7M-5.3% | $20.8M+3.0% | $20.2M+1.0% | $20.0M-1.5% | $20.3M0.0% | $20.3M+4.1% | $19.5M |
| Share Buybacks | $50.6M-76.9% | $218.8M+667.7% | $28.5M+612.5% | $4.0M-71.2% | $13.9M-44.4% | $25.0M | $0 | $0 |
KMPB Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | 11.2%+1.1pp | 10.1%+2.6pp | 7.5% |
| Net Margin | -0.7%+1.0pp | -1.7%-7.6pp | 5.9%-2.4pp | 8.4%+0.1pp | 8.2%+2.0pp | 6.3%-0.4pp | 6.7%+0.4pp | 6.2% |
| Return on Equity | N/A | N/A | 19.6%-7.6pp | 27.2%+23.8pp | 3.5%+0.8pp | 2.7%-18.4pp | 21.1%+18.3pp | 2.8% |
| Return on Assets | -0.1%+0.1pp | -0.2%-0.8pp | 0.6%-0.2pp | 0.8%+0.0pp | 0.8%+0.2pp | 0.6%-0.0pp | 0.6%+0.0pp | 0.6% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.350.0 | 0.35-2.2 | 2.55-0.0 | 2.57+2.2 | 0.34-0.2 | 0.50-3.4 | 3.88+3.3 | 0.54 |
| FCF Margin | 14.7%+3.9pp | 10.8%+4.1pp | 6.7%-7.8pp | 14.4%+0.5pp | 13.9%+2.8pp | 11.2%+10.7pp | 0.5%-2.0pp | 2.4% |
Frequently Asked Questions
What is Kemper Corp's annual revenue?
Kemper Corp (KMPB) reported $5K in total revenue for fiscal year 2025. This represents a -100.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Kemper Corp's revenue growing?
Kemper Corp (KMPB) revenue declined by 100% year-over-year, from $4.6B to $5K in fiscal year 2025.
Is Kemper Corp profitable?
Yes, Kemper Corp (KMPB) reported a net income of $143 in fiscal year 2025, with a net profit margin of 3.0%.
What is Kemper Corp's earnings per share (EPS)?
Kemper Corp (KMPB) reported diluted earnings per share of $2.29 for fiscal year 2025. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
How much debt does Kemper Corp have?
As of fiscal year 2025, Kemper Corp (KMPB) had $124 in cash and equivalents against $944 in long-term debt.
What is Kemper Corp's net profit margin?
Kemper Corp (KMPB) had a net profit margin of 3.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Kemper Corp pay dividends?
Yes, Kemper Corp (KMPB) paid $1.24 per share in dividends during fiscal year 2025.
What is Kemper Corp's return on equity (ROE)?
Kemper Corp (KMPB) has a return on equity of 5.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Kemper Corp's free cash flow?
Kemper Corp (KMPB) generated $554 in free cash flow during fiscal year 2025. This represents a -100.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Kemper Corp's operating cash flow?
Kemper Corp (KMPB) generated $585 in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Kemper Corp's total assets?
Kemper Corp (KMPB) had $12K in total assets as of fiscal year 2025, including both current and long-term assets.
What are Kemper Corp's capital expenditures?
Kemper Corp (KMPB) invested $31 in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Does Kemper Corp buy back shares?
Yes, Kemper Corp (KMPB) spent $302 on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
How many shares does Kemper Corp have outstanding?
Kemper Corp (KMPB) had 59M shares outstanding as of fiscal year 2025.
What is Kemper Corp's debt-to-equity ratio?
Kemper Corp (KMPB) had a debt-to-equity ratio of 0.35 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Kemper Corp's return on assets (ROA)?
Kemper Corp (KMPB) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Kemper Corp's Piotroski F-Score?
Kemper Corp (KMPB) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Kemper Corp's earnings high quality?
Kemper Corp (KMPB) has an earnings quality ratio of 4.08x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Kemper Corp?
Kemper Corp (KMPB) scores 44 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.