Kemper Financials

KMPR

FY2025 annual

Revenue $4.8B +3.3% YoY

Net Income $143.3M -54.9% YoY

EPS (Diluted) Not reported for FY2025

Free Cash Flow $553.9M +68.0% YoY

Source SEC Filings (10-K/10-Q) Data as of Jun 30, 2026 Currency USD FYE December

Kemper (KMPR) reported $4.8B in revenue for fiscal year 2025, up 3.3% from the prior fiscal year. 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 KMPR FY2025 2026-08-05

Cash generation has recovered faster than accounting earnings, letting Kemper reduce leverage pressure and retire shares without balance-sheet expansion.

FY2025 showed stronger cash conversion even as net margin compressed from 6.9% to 3.0%, so reported profit became a less complete picture of operating performance. That mattered because share repurchases reached $301.9M while long-term debt stayed near $943.5M, implying capital returns were funded mainly by internal cash rather than new borrowing.

Balance-sheet repair is the quieter operating shift: equity expanded from $241.1M in FY2022 to $2.68B in FY2025, which materially widened the cushion beneath liabilities. Long-term debt also fell from $1.39B to $943.5M, so the recovery was not built on adding leverage.

Capital intensity looks light, with FY2025 capital spending of $30.6M against operating cash flow of $584.5M; that is why free cash flow could remain robust even with only moderate net income. The payoff showed up in share count reduction, which ran about 8.1% in FY2025 while cash dividends still consumed a similar dollar amount.

Financial Health Signals

Financial health score not available

Kemper 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 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, 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.

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.

EBITDA

Not reported for fiscal year 2025.

EPS (Diluted)

Not reported for fiscal year 2025.

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

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

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.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

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.

R&D Spending

Not reported for fiscal year 2025.

KMPR Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

KMPR annual income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
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	-$68.9M+58.6%	-$166.6M+50.1%	-$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
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%	$76.0M+201.6%	-$74.8M+11.4%	-$84.4M+32.8%	-$125.6M-225.3%	$100.2M-23.2%	$130.5M+1119.6%	$10.7M-74.0%	$41.2M+547.8%	-$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%	$317.8M+216.8%	-$272.1M+5.1%	-$286.6M-131.7%	-$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

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$1.1B-1.3%	$1.1B-2.1%	$1.1B-8.7%	$1.2B+1.2%	$1.2B+2.7%	$1.2B+0.5%	$1.2B+0.7%	$1.2B
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$132.4M
Interest Expense	N/A	N/A	$9.0M-1.1%	$9.1M+1.1%	$9.0M-21.1%	$11.4M-21.9%	$14.6M+1.4%	$14.4M
Income Tax	-$1.0M+71.4%	-$3.5M0.0%	-$3.5M+60.7%	-$8.9M-150.3%	$17.7M-22.4%	$22.8M-3.4%	$23.6M+27.6%	$18.5M
Net Income	-$464.8M-27241.2%	-$1.7M+78.8%	-$8.0M+61.9%	-$21.0M-128.9%	$72.6M-27.2%	$99.7M+2.4%	$97.4M+32.2%	$73.7M

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

TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.

KMPR Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

KMPR annual balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
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
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%	$241.1M+128.4%	-$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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$11.9B-3.9%	$12.4B-0.5%	$12.5B+0.2%	$12.4B-0.2%	$12.5B0.0%	$12.5B-1.2%	$12.6B0.0%	$12.6B
Cash & Equivalents	$81.2M-12.3%	$92.6M-26.5%	$126.0M+17.3%	$107.4M-39.3%	$177.0M+53.4%	$115.4M+76.5%	$65.4M+14.9%	$56.9M
Goodwill	$783.5M	N/A	$1.3B	N/A	N/A	N/A	$1.3B	N/A
Total Liabilities	$9.7B-0.3%	$9.8B-0.3%	$9.8B+0.8%	$9.7B+0.7%	$9.7B-20.2%	$12.1B+23.0%	$9.8B-2.5%	$10.1B
Long-Term Debt	$944.5M+0.1%	$944.0M+0.1%	$943.5M0.0%	$943.1M+0.1%	$942.6M+0.1%	$942.1M0.0%	$941.7M-32.3%	$1.4B
Total Equity	$2.2B-17.2%	$2.6B-1.2%	$2.7B-1.9%	$2.7B+638.4%	$370.0M+1.1%	$366.0M-86.9%	$2.8B+0.5%	$2.8B
Retained Earnings	$653.7M-42.5%	$1.1B-1.7%	$1.2B-4.8%	$1.2B-9.6%	$1.3B+2.8%	$1.3B+6.3%	$1.2B+6.0%	$1.2B

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

KMPR Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

KMPR annual cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$434.2M	$584.5M+52.7%	$382.9M+385.3%	-$134.2M+36.2%	-$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%	$65.7M+362.8%	-$25.0M
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%	$329.7M+275.4%	-$188.0M+22.0%	-$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	$336.2M+237.6%	-$244.4M-326.5%	$107.9M+199.5%	-$108.4M+8.3%	-$118.2M+84.4%	-$757.0M-19.5%	-$633.4M-27.3%	-$497.6M-372.1%	-$105.4M+55.7%	-$238.1M-732.5%	-$28.6M+72.6%	-$104.3M-2272.9%	$4.8M+104.5%	-$106.2M-118.8%	$564.6M
Financing Cash Flow	-$445.1M	-$860.1M-526.9%	-$137.2M-12.5%	-$122.0M-131.9%	$382.9M+231.9%	-$290.4M-176.8%	$378.3M+135.3%	$160.8M+1418.0%	-$12.2M+94.1%	-$205.2M-324.0%	-$48.4M+52.0%	-$100.8M-411.7%	-$19.7M+87.4%	-$156.7M-37.0%	-$114.4M+71.8%	-$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%	$38.9M	$0	$0-100.0%	$161.7M+46.5%	$110.4M	$0	$0	$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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$30.5M-65.7%	$88.8M-49.3%	$175.0M+25.1%	$139.9M+56.1%	$89.6M-50.2%	$180.0M+2.8%	$175.1M+23.4%	$141.9M
Capital Expenditures	$11.4M+4.6%	$10.9M+23.9%	$8.8M+35.4%	$6.5M-14.5%	$7.6M-1.3%	$7.7M-20.6%	$9.7M-7.6%	$10.5M
Free Cash Flow	$19.1M-75.5%	$77.9M-53.1%	$166.2M+24.6%	$133.4M+62.7%	$82.0M-52.4%	$172.3M+4.2%	$165.4M+25.9%	$131.4M
Investing Cash Flow	$3.4M+105.4%	-$63.1M+18.3%	-$77.2M-248.5%	$52.0M+404.9%	$10.3M-97.1%	$351.1M+326.8%	-$154.8M-26.7%	-$122.2M
Financing Cash Flow	-$45.3M+23.4%	-$59.1M+25.4%	-$79.2M+69.7%	-$261.5M-582.8%	-$38.3M+92.0%	-$481.1M-3977.1%	-$11.8M+83.2%	-$70.2M
Dividends Paid	$19.3M+5.5%	$18.3M-3.2%	$18.9M-4.1%	$19.7M-5.3%	$20.8M+3.0%	$20.2M+1.0%	$20.0M-1.5%	$20.3M
Share Buybacks	$0	$0-100.0%	$50.6M-76.9%	$218.8M+667.7%	$28.5M+612.5%	$4.0M-71.2%	$13.9M-44.4%	$25.0M

KMPR Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

KMPR annual financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
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	0.38-2.4x	2.750.0x	2.730.0x	2.710.0x	2.75
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	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	11.2%
Net Margin	-42.5%-42.4pp	-0.1%+0.6pp	-0.7%+1.0pp	-1.7%-7.6pp	5.9%-2.4pp	8.4%+0.1pp	8.2%+2.0pp	6.3%
Return on Equity	-21.2%-21.1pp	-0.1%+0.2pp	-0.3%+0.5pp	-0.8%-20.4pp	19.6%-7.6pp	27.2%+23.8pp	3.5%+0.8pp	2.7%
Return on Assets	-3.9%-3.9pp	0.0%0.0pp	-0.1%+0.1pp	-0.2%-0.8pp	0.6%-0.2pp	0.8%0.0pp	0.8%+0.2pp	0.6%
Debt-to-Equity	0.43+0.1x	0.360.0x	0.350.0x	0.35-2.2x	2.550.0x	2.57+2.2x	0.34-0.2x	0.50
FCF Margin	1.8%-5.3pp	7.0%-7.6pp	14.7%+3.9pp	10.8%+4.1pp	6.7%-7.8pp	14.4%+0.5pp	13.9%+2.8pp	11.2%

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

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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 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'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.