Kemper Financials

KMPR

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Kemper (KMPR) 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

Financial Profile 53/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Kemper's revenue grew a modest 3.3% year-over-year to $4.8B. This slow but positive growth earns a score of 39/100.

Leverage

Kemper 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 95/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Kemper has a free cash flow margin of 11.6%, earning a moderate score of 54/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Kemper generates a 5.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 23/100. This is down from 11.4% the prior year.

Piotroski F-Score Neutral

5/9

Kemper 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.

Earnings Quality Cash-Backed

4.08x

For every $1 of reported earnings, Kemper 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

$4.8B

YoY+3.3%

5Y CAGR-1.7%

10Y CAGR+7.4%

Kemper generated $4.8B in revenue in fiscal year 2025. This represents an increase of 3.3% from the prior year.

EBITDA

N/A

Net Income

$143.3M

YoY-54.9%

5Y CAGR-19.0%

10Y CAGR+5.3%

Kemper reported $143.3M in net income in fiscal year 2025. This represents a decrease of 54.9% from the prior year.

EPS (Diluted)

N/A

Cash & Balance Sheet

Free Cash Flow

$553.9M

YoY+68.0%

5Y CAGR+7.0%

Kemper generated $553.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 68.0% from the prior year.

Cash & Debt

$126.0M

YoY+92.7%

5Y CAGR-9.4%

10Y CAGR-2.5%

Kemper held $126.0M in cash against $943.5M in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.28

YoY+3.2%

5Y CAGR+1.3%

10Y CAGR+2.9%

Kemper paid $1.28 per share in dividends in fiscal year 2025. This represents an increase of 3.2% from the prior year.

Shares Outstanding

59M

YoY-8.1%

5Y CAGR-2.1%

10Y CAGR+1.4%

Kemper had 59M shares outstanding in fiscal year 2025. This represents a decrease of 8.1% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

3.0%

YoY-3.9pp

5Y CAGR-4.9pp

10Y CAGR-0.7pp

Kemper'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.

Return on Equity

5.3%

YoY-6.1pp

5Y CAGR-3.6pp

10Y CAGR+1.0pp

Kemper'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.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$301.9M

YoY+676.1%

5Y CAGR+22.3%

10Y CAGR+21.0%

Kemper spent $301.9M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 676.1% from the prior year.

Capital Expenditures

$30.6M

YoY-42.5%

5Y CAGR-10.5%

Kemper invested $30.6M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 42.5% from the prior year.

KMPR Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$4.8B+3.3%	$4.6B-6.2%	$4.9B-10.5%	$5.5B-3.4%	$5.7B+9.9%	$5.2B
Cost of Revenue	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
R&D Expenses	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
Operating Income	N/A	N/A	-$68.9M+58.6%	-$166.6M+50.1%	-$334.0M-161.1%	$546.8M
Interest Expense	$38.5M-32.3%	$56.9M+1.4%	$56.1M+2.6%	$54.7M+25.5%	$43.6M+21.1%	$36.0M
Income Tax	$28.1M-63.0%	$76.0M+201.6%	-$74.8M+11.4%	-$84.4M+32.8%	-$125.6M-225.3%	$100.2M
Net Income	$143.3M-54.9%	$317.8M+216.8%	-$272.1M+5.1%	-$286.6M-131.7%	-$123.7M-130.2%	$409.9M
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A	N/A

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

KMPR Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$12.5B-1.2%	$12.6B-0.9%	$12.7B-4.3%	$13.3B-10.7%	$14.9B+4.0%	$14.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$126.0M+92.7%	$65.4M+2.0%	$64.1M-69.8%	$212.4M+43.3%	$148.2M-28.1%	$206.1M
Inventory	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
Goodwill	$1.3B0.0%	$1.3B0.0%	$1.3B-3.8%	$1.3B-0.9%	$1.3B+17.8%	$1.1B
Total Liabilities	$9.8B-0.4%	$9.8B-3.8%	$10.2B-3.8%	$10.6B-32.5%	$15.8B+61.2%	$9.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
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
Total Equity	$2.7B-3.8%	$2.8B+11.3%	$2.5B+939.1%	$241.1M+128.4%	-$849.7M-118.6%	$4.6B
Retained Earnings	$1.2B-6.0%	$1.2B+21.4%	$1.0B-25.8%	$1.4B-22.5%	$1.8B-14.9%	$2.1B

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

KMPR Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$584.5M+52.7%	$382.9M+385.3%	-$134.2M+36.2%	-$210.3M-160.0%	$350.7M-21.7%	$448.0M
Capital Expenditures	$30.6M-42.5%	$53.2M-1.1%	$53.8M+74.7%	$30.8M-46.7%	$57.8M+8.2%	$53.4M
Free Cash Flow	$553.9M+68.0%	$329.7M+275.4%	-$188.0M+22.0%	-$241.1M-182.3%	$292.9M-25.8%	$394.6M
Investing Cash Flow	$336.2M+237.6%	-$244.4M-326.5%	$107.9M+199.5%	-$108.4M+8.3%	-$118.2M+84.4%	-$757.0M
Financing Cash Flow	-$860.1M-526.9%	-$137.2M-12.5%	-$122.0M-131.9%	$382.9M+231.9%	-$290.4M-176.8%	$378.3M
Dividends Paid	$79.6M-0.6%	$80.1M0.0%	$80.1M+0.5%	$79.7M-1.1%	$80.6M+2.2%	$78.9M
Share Buybacks	$301.9M+676.1%	$38.9M	$0	$0-100.0%	$161.7M+46.5%	$110.4M

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

KMPR Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	-1.4%+1.6pp	-3.0%+2.8pp	-5.8%-16.3pp	10.5%
Net Margin	3.0%-3.9pp	6.9%+12.3pp	-5.5%-0.3pp	-5.2%-3.0pp	-2.2%-10.0pp	7.9%
Return on Equity	5.3%-6.1pp	11.4%+22.3pp	-10.9%+108.0pp	-118.9%	N/A	9.0%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.35+0.0	0.34-0.2	0.55-5.2	5.75+7.1	-1.32-1.6	0.26
FCF Margin	11.6%+4.5pp	7.1%+10.9pp	-3.8%+0.6pp	-4.4%-9.5pp	5.1%-2.5pp	7.6%

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	-0.3%+0.5pp	-0.8%-20.4pp	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%

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Frequently Asked Questions

What is Kemper's annual revenue?

Kemper (KMPR) 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's revenue growing?

Kemper (KMPR) revenue grew by 3.3% year-over-year, from $4.6B to $4.8B in fiscal year 2025.

Is Kemper profitable?

Yes, Kemper (KMPR) reported a net income of $143.3M in fiscal year 2025, with a net profit margin of 3.0%.

How much debt does Kemper have?

As of fiscal year 2025, Kemper (KMPR) had $126.0M in cash and equivalents against $943.5M in long-term debt.

What is Kemper's net profit margin?

Kemper (KMPR) 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 pay dividends?

Yes, Kemper (KMPR) paid $1.28 per share in dividends during fiscal year 2025.

What is Kemper's return on equity (ROE)?

Kemper (KMPR) 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's free cash flow?

Kemper (KMPR) 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's operating cash flow?

Kemper (KMPR) generated $584.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Kemper's total assets?

Kemper (KMPR) had $12.5B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Kemper's capital expenditures?

Kemper (KMPR) invested $30.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Kemper buy back shares?

Yes, Kemper (KMPR) spent $301.9M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Kemper have outstanding?

Kemper (KMPR) had 59M shares outstanding as of fiscal year 2025.

What is Kemper's debt-to-equity ratio?

Kemper (KMPR) 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's return on assets (ROA)?

Kemper (KMPR) 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's Piotroski F-Score?

Kemper (KMPR) 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's earnings high quality?

Kemper (KMPR) 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?

Kemper (KMPR) scores 53 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.