Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 (KMPB) Financials

KMPB

Trailing 12 months to June 30, 2026

Revenue $4.6B -4.5% YoY

Net Income -$495.5M -244.3% YoY

EPS (Diluted) -$8.35 -257.3% YoY

Free Cash Flow $396.6M -28.0% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 5, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 5, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the KMPB SEC filings page.

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 (KMPB) reported $4.6B in revenue over the twelve months to Jun 30, 2026, down 4.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI KMPB FY2025 2026-10-03

The business moved from losses and negative equity to positive earnings, while cash generation now exceeds accounting profit.

Cash conversion strengthened faster than earnings: operating cash flow exceeded net income in both FY2024 and FY2025, with FY2025 operating cash flow reaching $585M against net income of $143M. The cash-flow advantage coincided with free-cash-flow margin rising from 7.1% to 11.6%, indicating that modest reinvestment allowed more operating cash to remain available.

The balance sheet underwent a structural reset: equity moved from -$850M in FY2021 to $2.7B in FY2025, changing the company from negative net worth to positive capitalization. At 0.4x debt-to-equity, borrowing is no longer amplified by a thin or negative equity base.

The return to profitability came without a full revenue recovery: FY2025 revenue was $4.8B versus $5.7B in FY2021, while net margin reached 6.9% in FY2024 and remained positive at 3.0% in FY2025. That pattern suggests the earnings improvement was not simply a volume-driven rebound.

Financial Health Signals

Financial health score not available

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

5/7

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) passes.

Earnings Quality Cash-Backed

4.08x

For every $1 of reported earnings, Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 generates $4.08 in operating cash flow ($584.5M OCF vs $143.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$1.1B

YoY-10.8%

QoQ-1.3%

5Y CAGR-6.2%

10Y CAGR+5.7%

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 generated $1.1B in revenue in Q2 2026. This represents a decrease of 10.8% from the same quarter a year earlier. Against the prior quarter it is down 1.3%.

Net Income

-$464.8M

YoY-740.2%

QoQn/m

5Y CAGRn/m

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 reported a net loss of $464.8M in Q2 2026. This represents a decrease of 740.2% from the same quarter a year earlier. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.

EPS (Diluted)

-$7.90

YoY-805.4%

QoQn/m

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 earned -$7.90 per diluted share (EPS) in Q2 2026. This represents a decrease of 805.4% from the same quarter a year earlier. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$19.1M

YoY-76.7%

QoQ-75.5%

5Y CAGR-25.1%

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 generated $19.1M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 76.7% from the same quarter a year earlier. Against the prior quarter it is down 75.5%.

Cash & Debt

$81.2M

YoY-54.1%

QoQ-12.3%

5Y CAGR-5.0%

10Y CAGR-6.5%

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 held $81.2M in cash against $944.5M in long-term debt as of Q2 2026.

Dividends Per Share

$0.32

YoY0.0%

QoQ0.0%

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 paid $0.32 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

59M

YoY-6.1%

QoQ+0.1%

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 had 59M shares outstanding in Q2 2026. This represents a decrease of 6.1% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Margins & Returns

Net Margin

-42.5%

YoY-48.5pp

QoQ-42.4pp

5Y change-38.4pp

10Y change-43.2pp

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062's net profit margin was -42.5% in Q2 2026, showing the share of revenue converted to profit. This is down 48.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 42.4 percentage points.

Return on Equity

-21.2%

YoY-40.8pp

QoQ-21.1pp

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062's quarterly ROE was -21.2% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is down 40.8 percentage points from the same quarter a year earlier. Against the prior quarter it is down 21.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

YoY-100.0%

QoQn/m

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 repurchased no shares in Q2 2026. This represents a decrease of 100.0% from the same quarter a year earlier. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.

Capital Expenditures

$11.4M

YoY+50.0%

QoQ+4.6%

5Y CAGR-6.9%

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 invested $11.4M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 50.0% from the same quarter a year earlier. Against the prior quarter it is up 4.6%.

R&D Spending

Not reported for Q2 2026.

KMPB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

KMPB quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$4.6B	$4.8B+3.3%	$4.6B-6.2%	$4.9B-10.5%	$5.5B-3.4%	$5.7B+9.9%	$5.2B+3.3%	$5.0B+35.3%	$3.7B+36.8%	$2.7B+8.0%	$2.5B+7.7%	$2.3B+6.6%	$2.2B-9.5%	$2.4B-1.5%	$2.5B-1.3%	$2.5B
Operating Income	N/A	N/A	N/A	-$68.9Mn/m	-$166.6Mn/m	-$334.0M-161.1%	$546.8M+5.4%	$518.8M+81.3%	$286.2M+140.7%	$118.9M+3735.5%	$3.1M-96.3%	$84.5M-38.0%	$136.3M-40.5%	$229.2M+258.7%	$63.9M+39.2%	$45.9M
EBITDA	N/A	N/A	N/A	-$10.3Mn/m	-$95.7Mn/m	-$287.7M-149.3%	$583.0M+5.7%	$551.6M+82.8%	$301.8M+128.6%	$132.0M+484.1%	$22.6M-80.1%	$113.4M-28.9%	$159.5M-37.4%	$254.9M+221.8%	$79.2M+39.4%	$56.8M
Interest Expense	N/A	$38.5M-32.3%	$56.9M+1.4%	$56.1M+2.6%	$54.7M+25.5%	$43.6M+21.1%	$36.0M-15.3%	$42.5M-1.8%	$43.3M+24.1%	$34.9M-21.4%	$44.4M-4.5%	$46.5M-0.9%	$46.9M+22.5%	$38.3M+0.8%	$38.0M+1.9%	$37.3M
Income Tax	-$16.9M	$28.1M-63.0%	$76.0Mn/m	-$74.8Mn/m	-$84.4Mn/m	-$125.6M-225.3%	$100.2M-23.2%	$130.5M+1119.6%	$10.7M-74.0%	$41.2Mn/m	-$9.2M-145.8%	$20.1M-57.8%	$47.6M-52.4%	$99.9M+226.5%	$30.6M+363.6%	$6.6M
Net Income	-$495.5M	$143.3M-54.9%	$317.8Mn/m	-$272.1Mn/m	-$286.6Mn/m	-$123.7M-130.2%	$409.9M-22.8%	$531.1M+179.4%	$190.1M+57.2%	$120.9M+619.6%	$16.8M-80.4%	$85.7M-25.2%	$114.5M-47.4%	$217.7M+110.5%	$103.4M+38.8%	$74.5M
EPS (Basic)	N/A	$2.31-53.3%	$4.95n/m	-$4.25n/m	-$4.50n/m	-$1.92-130.8%	$6.24-22.4%	$8.04+147.4%	$3.25+38.9%	$2.34+609.1%	$0.33-80.0%	$1.65-22.2%	$2.12-44.4%	$3.81+117.7%	$1.75+42.3%	$1.23
EPS (Diluted)	-$8.35	$2.29-53.4%	$4.91n/m	-$4.25n/m	-$4.50n/m	-$1.92-131.3%	$6.14-22.9%	$7.96+147.2%	$3.22+38.2%	$2.33+606.1%	$0.33-80.0%	$1.65-22.2%	$2.12-44.2%	$3.80+118.4%	$1.74+41.5%	$1.23
Diluted Shares (Avg)	N/A	63M-3.3%	65M+1.2%	64M+0.3%	64M-0.7%	64M-3.7%	67M+0.3%	67M+13.3%	59M+13.9%	52M+0.7%	51M-0.9%	52M-4.1%	54M-5.5%	57M-3.4%	59M-2.3%	60M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$1.1B-10.8%	$1.1B-7.2%	$1.1B-4.7%	$1.2B+5.2%	$1.2B+8.5%	$1.2B+4.4%	$1.2B0.0%	$1.2B-1.7%
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$132.4Mn/m
EBITDA	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$145.5Mn/m
Interest Expense	N/A	N/A	$9.0M-38.4%	$9.1M-36.8%	$9.0M-35.3%	$11.4M-18.6%	$14.6M+5.0%	$14.4M+2.1%
Income Tax	-$1.0M-105.6%	-$3.5M-115.4%	-$3.5M-114.8%	-$8.9M-148.1%	$17.7M+1.1%	$22.8M+39.0%	$23.6M+93.4%	$18.5Mn/m
Net Income	-$464.8M-740.2%	-$1.7M-101.7%	-$8.0M-108.2%	-$21.0M-128.5%	$72.6M-3.7%	$99.7M+39.8%	$97.4M+89.5%	$73.7Mn/m
EPS (Basic)	-$7.90-799.1%	-$0.03-101.9%	-$0.09	-$0.34-129.6%	$1.13-3.4%	$1.56+40.5%	$1.52+90.0%	$1.15n/m
EPS (Diluted)	-$7.90-805.4%	-$0.03-101.9%	-$0.08	-$0.34-129.8%	$1.12-3.4%	$1.54+40.0%	$1.51+88.8%	$1.14n/m
Diluted Shares (Avg)	59M-8.9%	59M-9.1%	N/A	61M-5.3%	65M-0.4%	65M-0.2%	N/A	65M+1.3%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses.

KMPB Balance Sheet

KMPB quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$12.5B-1.2%	$12.6B-0.9%	$12.7B-4.3%	$13.3B-10.7%	$14.9B+4.0%	$14.3B+10.4%	$13.0B+12.5%	$11.5B+37.8%	$8.4B+2.0%	$8.2B+2.2%	$8.0B+2.6%	$7.8B+2.3%	$7.7B-4.4%	$8.0B+0.9%	$7.9B
Cash & Equivalents	$126.0M+92.7%	$65.4M+2.0%	$64.1M-69.8%	$212.4M+43.3%	$148.2M-28.1%	$206.1M+50.7%	$136.8M+82.2%	$75.1M+64.3%	$45.7M-60.5%	$115.7M-28.4%	$161.7M+112.5%	$76.1M+14.4%	$66.5M-30.9%	$96.3M-61.7%	$251.2M
Short-Term Investments	$313.5M-69.8%	$1.0B+99.1%	$520.9M+87.1%	$278.4M-2.0%	$284.1M-67.5%	$875.4M+85.9%	$470.9M+64.6%	$286.1M+21.5%	$235.5M-14.0%	$273.7M+7.0%	$255.7M-25.3%	$342.2M+20.2%	$284.7M-13.1%	$327.5M+32.4%	$247.4M
Long-Term Investments	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0
Goodwill	$1.3B0.0%	$1.3B0.0%	$1.3B-3.8%	$1.3B-0.9%	$1.3B+17.8%	$1.1B0.0%	$1.1B+0.1%	$1.1B+244.4%	$323.0M0.0%	$323.0M0.0%	$323.0M+3.6%	$311.8M0.0%	$311.8M0.0%	$311.8M0.0%	$311.8M
Total Liabilities	$9.8B-0.4%	$9.8B-3.8%	$10.2B-3.8%	$10.6B-32.5%	$15.8B+61.2%	$9.8B+8.4%	$9.0B+6.1%	$8.5B+35.7%	$6.3B+0.4%	$6.2B+3.2%	$6.0B+5.2%	$5.7B+2.5%	$5.6B-4.1%	$5.8B+0.5%	$5.8B
Long-Term Debt	$943.5M+0.2%	$941.7M-32.2%	$1.4B+0.2%	$1.4B+23.6%	$1.1B-4.3%	$1.2B+50.7%	$778.4M-14.4%	$909.0M+53.5%	$592.3M-21.2%	$751.6M+0.1%	$750.6M	N/A	N/A	N/A	N/A
Total Equity	$2.7B-3.8%	$2.8B+11.3%	$2.5B+939.1%	$241.1Mn/m	-$849.7M-118.6%	$4.6B+14.9%	$4.0B+30.2%	$3.1B+44.2%	$2.1B+7.1%	$2.0B-0.9%	$2.0B-4.7%	$2.1B+1.9%	$2.1B-5.1%	$2.2B+2.1%	$2.1B
Retained Earnings	$1.2B-6.0%	$1.2B+21.4%	$1.0B-25.8%	$1.4B-22.5%	$1.8B-14.9%	$2.1B+14.4%	$1.8B+33.6%	$1.4B+9.1%	$1.2B+6.0%	$1.2B-3.0%	$1.2B+0.5%	$1.2B-1.1%	$1.2B+8.7%	$1.1B+0.9%	$1.1B

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$11.9B-4.4%	$12.4B-0.5%	$12.5B-1.2%	$12.4B-1.5%	$12.5B-1.2%	$12.5B-1.2%	$12.6B-0.9%	$12.6B+0.6%
Cash & Equivalents	$81.2M-54.1%	$92.6M-19.8%	$126.0M+92.7%	$107.4M+88.8%	$177.0M+64.8%	$115.4M-8.9%	$65.4M+2.0%	$56.9M-49.4%
Short-Term Investments	$0-100.0%	$296.6M-45.6%	$313.5M-69.8%	$371.2M-46.7%	$407.6M-24.4%	$545.3M+4.7%	$1.0B+99.1%	$696.9M+66.5%
Long-Term Investments	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m	$0n/m
Goodwill	$783.5M	N/A	$1.3B0.0%	N/A	N/A	N/A	$1.3B0.0%	N/A
Total Liabilities	$9.7B+1.0%	$9.8B-19.3%	$9.8B-0.4%	$9.7B-3.8%	$9.7B-2.2%	$12.1B+20.6%	$9.8B-3.8%	$10.1B-0.8%
Long-Term Debt	$944.5M+0.2%	$944.0M+0.2%	$943.5M+0.2%	$943.1M-32.2%	$942.6M-32.2%	$942.1M-32.2%	$941.7M-32.2%	$1.4B+0.2%
Total Equity	$2.2B+492.6%	$2.6B+623.9%	$2.7B-3.8%	$2.7B-1.5%	$370.0M+3.4%	$366.0M-85.9%	$2.8B+11.3%	$2.8B+17.4%
Retained Earnings	$653.7M-51.4%	$1.1B-13.1%	$1.2B-6.0%	$1.2B+4.7%	$1.3B+20.0%	$1.3B+22.8%	$1.2B+21.4%	$1.2B+18.2%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

KMPB Cash Flow Statement

KMPB quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$434.2M	$584.5M+52.7%	$382.9Mn/m	-$134.2Mn/m	-$210.3M-160.0%	$350.7M-21.7%	$448.0M-16.2%	$534.3M-0.9%	$539.2M+124.1%	$240.6M0.0%	$240.5M+11.9%	$215.0M+60.9%	$133.6M+9.4%	$122.1M+85.8%	$65.7Mn/m	-$25.0M
Depreciation & Amortization	N/A	$74.3M+38.4%	$53.7M-8.4%	$58.6M-17.3%	$70.9M+53.1%	$46.3M+27.9%	$36.2M+10.4%	$32.8M+110.3%	$15.6M+19.1%	$13.1M-32.8%	$19.5M-32.5%	$28.9M+24.6%	$23.2M-9.7%	$25.7M+68.0%	$15.3M+40.4%	$10.9M
Stock-Based Compensation	N/A	$29.4M+0.7%	$29.2M+0.7%	$29.0M+63.8%	$17.7M-36.8%	$28.0M+12.4%	$24.9M-1.6%	$25.3M+36.0%	$18.6M+97.9%	$9.4M+100.0%	$4.7M-27.7%	$6.5M+1.6%	$6.4M+16.4%	$5.5M-5.2%	$5.8M+9.4%	$5.3M
Capital Expenditures	$37.6M	$30.6M-42.5%	$53.2M-1.1%	$53.8M+74.7%	$30.8M-46.7%	$57.8M+8.2%	$53.4M-36.4%	$84.0M+28.6%	$65.3M+83.9%	$35.5M	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	$396.6M	$553.9M+68.0%	$329.7Mn/m	-$188.0Mn/m	-$241.1M-182.3%	$292.9M-25.8%	$394.6M-12.4%	$450.3M-5.0%	$473.9M+131.1%	$205.1M	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$84.9M	$336.2Mn/m	-$244.4M-326.5%	$107.9Mn/m	-$108.4Mn/m	-$118.2Mn/m	-$757.0Mn/m	-$633.4Mn/m	-$497.6Mn/m	-$105.4Mn/m	-$238.1Mn/m	-$28.6Mn/m	-$104.3M-2272.9%	$4.8Mn/m	-$106.2M-118.8%	$564.6M
Financing Cash Flow	-$445.1M	-$860.1Mn/m	-$137.2Mn/m	-$122.0M-131.9%	$382.9Mn/m	-$290.4M-176.8%	$378.3M+135.3%	$160.8Mn/m	-$12.2Mn/m	-$205.2Mn/m	-$48.4Mn/m	-$100.8Mn/m	-$19.7Mn/m	-$156.7Mn/m	-$114.4Mn/m	-$405.6M
Dividends Paid	$76.2M	$79.6M-0.6%	$80.1M0.0%	$80.1M+0.5%	$79.7M-1.1%	$80.6M+2.2%	$78.9M+16.4%	$67.8M+20.2%	$56.4M+13.9%	$49.5M+0.6%	$49.2M-1.0%	$49.7M-4.1%	$51.8M-5.6%	$54.9M-3.5%	$56.9M-2.2%	$58.2M
Share Buybacks	$269.4M	$301.9M+676.1%	$38.9Mn/m	$0n/m	$0-100.0%	$161.7M+46.5%	$110.4Mn/m	$0n/m	$0n/m	$0-100.0%	$3.8M-91.6%	$45.0M-60.5%	$114.0M+13.5%	$100.4M+65.4%	$60.7M+121.5%	$27.4M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$30.5M-66.0%	$88.8M-50.7%	$175.0M-0.1%	$139.9M-1.4%	$89.6M+291.3%	$180.0M+318.6%	$175.1Mn/m	$141.9Mn/m
Depreciation & Amortization	$11.6M-10.8%	$11.6M-7.2%	$13.1M+1.6%	$35.7M+172.5%	$13.0M-0.8%	$12.5M-14.4%	$12.9M-33.8%	$13.1M+1.6%
Capital Expenditures	$11.4M+50.0%	$10.9M+41.6%	$8.8M-9.3%	$6.5M-38.1%	$7.6M-57.1%	$7.7M-49.7%	$9.7M-34.0%	$10.5M-23.4%
Free Cash Flow	$19.1M-76.7%	$77.9M-54.8%	$166.2M+0.5%	$133.4M+1.5%	$82.0M+1476.9%	$172.3M+522.0%	$165.4Mn/m	$131.4Mn/m
Investing Cash Flow	$3.4M-67.0%	-$63.1M-118.0%	-$77.2Mn/m	$52.0Mn/m	$10.3Mn/m	$351.1M+793.4%	-$154.8M-5833.3%	-$122.2M-187.1%
Financing Cash Flow	-$45.3Mn/m	-$59.1Mn/m	-$79.2Mn/m	-$261.5Mn/m	-$38.3Mn/m	-$481.1Mn/m	-$11.8Mn/m	-$70.2Mn/m
Dividends Paid	$19.3M-7.2%	$18.3M-9.4%	$18.9M-5.5%	$19.7M-3.0%	$20.8M+2.5%	$20.2M+3.6%	$20.0M-1.5%	$20.3M+0.5%
Share Buybacks	$0-100.0%	$0-100.0%	$50.6M+264.0%	$218.8M+775.2%	$28.5Mn/m	$4.0Mn/m	$13.9Mn/m	$25.0M

Not reported in any period shown, so not listed: Stock-Based Compensation.

KMPB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

KMPB quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Margin	N/A	N/A	-1.4%+1.6pp	-3.0%+2.8pp	-5.8%-16.3pp	10.5%+0.2pp	10.3%+2.6pp	7.7%+3.3pp	4.4%+4.3pp	0.1%-3.5pp	3.6%-2.6pp	6.2%-3.2pp	9.4%+6.9pp	2.6%+0.8pp	1.8%
Net Margin	3.0%-3.9pp	6.9%+12.3pp	-5.5%-0.3pp	-5.2%-3.0pp	-2.2%-10.0pp	7.9%-2.7pp	10.5%+5.4pp	5.1%+0.7pp	4.4%+3.8pp	0.7%-3.0pp	3.7%-1.6pp	5.2%-3.8pp	9.0%+4.8pp	4.2%+1.2pp	3.0%
Return on Equity	5.3%-6.1pp	11.4%+22.3pp	-10.9%+108.0pp	-118.9%	N/A	9.0%-4.4pp	13.4%+7.1pp	6.2%+0.5pp	5.7%+4.9pp	0.9%-3.4pp	4.3%-1.2pp	5.5%-5.1pp	10.6%+5.8pp	4.8%+1.3pp	3.5%
Return on Assets	1.1%-1.4pp	2.5%+4.7pp	-2.1%0.0pp	-2.1%-1.3pp	-0.8%-3.7pp	2.9%-1.2pp	4.1%+2.4pp	1.7%+0.2pp	1.4%+1.2pp	0.2%-0.9pp	1.1%-0.4pp	1.5%-1.4pp	2.8%+1.6pp	1.3%+0.3pp	0.9%
Debt-to-Equity	0.350.0x	0.34-0.2x	0.55-5.2x	5.75	N/A	0.26+0.1x	0.20-0.1x	0.300.0x	0.28-0.1x	0.380.0x	0.38	N/A	N/A	N/A	N/A
Liabilities-to-Equity	3.66+0.1x	3.53-0.6x	4.09-40.1x	44.14	N/A	2.14-0.1x	2.27-0.5x	2.79-0.2x	2.96-0.2x	3.16+0.1x	3.03+0.3x	2.750.0x	2.730.0x	2.710.0x	2.75
Asset Turnover	0.380.0x	0.370.0x	0.390.0x	0.410.0x	0.380.0x	0.360.0x	0.39+0.1x	0.320.0x	0.330.0x	0.310.0x	0.290.0x	0.280.0x	0.320.0x	0.310.0x	0.31
FCF Margin	11.6%+4.5pp	7.1%+10.9pp	-3.8%+0.6pp	-4.4%-9.5pp	5.1%-2.5pp	7.6%-1.4pp	8.9%-3.8pp	12.7%+5.2pp	7.5%	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	11.2%+14.5pp
Net Margin	-42.5%-48.5pp	-0.1%-8.5pp	-0.7%-8.9pp	-1.7%-7.9pp	5.9%-0.7pp	8.4%+2.1pp	8.2%+3.9pp	6.3%+18.4pp
Return on Equity	-21.2%-40.8pp	-0.1%-27.3pp	-0.3%-3.8pp	-0.8%-3.4pp	19.6%-1.4pp	27.2%+24.5pp	3.5%+1.4pp	2.7%+8.9pp
Return on Assets	-3.9%-4.5pp	0.0%-0.8pp	-0.1%-0.8pp	-0.2%-0.8pp	0.6%0.0pp	0.8%+0.2pp	0.8%+0.4pp	0.6%+1.8pp
Debt-to-Equity	0.43-2.1x	0.36-2.2x	0.350.0x	0.35-0.2x	2.55-1.3x	2.57+2.0x	0.34-0.2x	0.50-0.1x
Liabilities-to-Equity	4.45-21.7x	3.69-29.4x	3.66+0.1x	3.56-0.1x	26.10-1.5x	33.08+29.2x	3.53-0.6x	3.64-0.7x
Asset Turnover	0.090.0x	0.090.0x	0.090.0x	0.100.0x	0.100.0x	0.100.0x	0.090.0x	0.090.0x
FCF Margin	1.8%-4.9pp	7.0%-7.4pp	14.7%+0.8pp	10.8%-0.4pp	6.7%+6.2pp	14.4%+12.0pp	13.9%+17.7pp	11.2%+15.5pp

Not reported in any period shown, so not listed: Gross Margin, Current Ratio.

Where Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 Ranks

Frequently Asked Questions

What is Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062's annual revenue?

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 (KMPB) reported $4.8B in total revenue for fiscal year 2025. This represents a 3.3% 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 Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062's revenue growing?

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 (KMPB) revenue grew by 3.3% year-over-year, from $4.6B to $4.8B in fiscal year 2025.

Is Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 profitable?

No, Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 (KMPB) reported a net loss of $495.5M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $143.3M, with a net profit margin of 3.0%.

What is Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062's earnings per share (EPS)?

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 (KMPB) reported diluted earnings per share of $2.29 for fiscal year 2025. This represents a -53.4% change compared to the previous fiscal year. 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 Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 have?

As of fiscal year 2025, Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 (KMPB) had $126.0M in cash and equivalents against $943.5M in long-term debt.

What is Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062's net profit margin?

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 (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 Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 pay dividends?

Yes, Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 (KMPB) paid $1.28 per share in dividends during fiscal year 2025.

What is Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062's return on equity (ROE)?

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 (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 Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062's free cash flow?

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 (KMPB) generated $553.9M in free cash flow during fiscal year 2025. This represents a 68.0% 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 Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062's operating cash flow?

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 (KMPB) generated $584.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062's total assets?

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 (KMPB) had $12.5B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062's capital expenditures?

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 (KMPB) invested $30.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 buy back shares?

Yes, Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 (KMPB) spent $301.9M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 have outstanding?

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 (KMPB) had 59M shares outstanding as of fiscal year 2025.

What is Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062's debt-to-equity ratio?

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 (KMPB) had a debt-to-equity ratio of 0.35 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.

What is Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062's liabilities-to-equity ratio?

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 (KMPB) had a liabilities-to-equity ratio of 3.66 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.

What is Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062's return on assets (ROA)?

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 (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 Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062's Piotroski F-Score?

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 (KMPB) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062's earnings high quality?

Kemper Corporation 5.875% Fixed-Rate Reset Junior Subordinated Debentures due 2062 (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.