What is Kemper Corporation's earnings per share (EPS)?

Kemper Corporation (KMPR) 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.

Kemper Corporation (KMPR) Financials

KMPR

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

Market Cap $1.5B as of Oct 7, 2026

Price / Sales 0.3x on $4.6B revenue, trailing 12 months to June 30, 2026

Price / Earnings n/m net loss, so no earnings multiple, trailing 12 months to June 30, 2026

Price / Book 0.7x on $2.2B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 7, 2026; every other figure is from the SEC filings on this page. Not financial advice.

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 KMPR SEC filings page.

Kemper Corporation (KMPR) 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 KMPR FY2025 2026-10-03

Kemper’s earnings recovery is cash-backed, while lower debt and improved cash generation have reshaped its balance sheet.

The key quality shift is that FY2025 operating cash flow of $584.5M exceeded net income of $143.3M, indicating cash generation materially outpaced accounting profit. Because operating cash flow was negative in FY2023, the change points to improved earnings quality, not just a return to reported profitability.

Debt reduction changed the financing profile: debt fell from $1.39B in FY2023 to $943M in FY2025, reducing the balance sheet’s dependence on borrowing. Debt-to-equity was 0.4x in FY2025 versus 5.8x in FY2022, so the extreme ratio was a period-specific consequence of thin equity rather than the current structure.

The profit rebound is not a volume story: FY2025 revenue was $4.79B, still below FY2021’s $5.72B. With 3.0% net margin, Kemper is converting a smaller revenue base into positive earnings, but the available figures do not identify whether mix, costs, or non-operating items drove that change.

Financial Health Signals

Financial health score not available

Kemper Corporation 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 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 Corporation 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

Export CSV

Earnings & Revenue

Revenue

$1.1B

YoY-10.8%

QoQ-1.3%

5Y CAGR-6.2%

10Y CAGR+5.7%

Kemper Corporation 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%

QoQ-27241.2%

Kemper Corporation reported -$464.8M in net income in Q2 2026. This represents a decrease of 740.2% from the same quarter a year earlier. Against the prior quarter it is down 27241.2%.

EPS (Diluted)

-$7.90

YoY-805.4%

QoQ-26233.3%

Kemper Corporation earned -$7.90 per diluted share (EPS) in Q2 2026. This represents a decrease of 805.4% from the same quarter a year earlier. Against the prior quarter it is down 26233.3%.

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 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 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%

5Y CAGR+0.6%

10Y CAGR+2.9%

Kemper Corporation 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%

5Y CAGR-1.5%

10Y CAGR+1.4%

Kemper Corporation 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'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's ROE was -21.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. 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%

Kemper Corporation repurchased no shares in Q2 2026. This represents a decrease of 100.0% from the same quarter a year earlier.

Capital Expenditures

$11.4M

YoY+50.0%

QoQ+4.6%

5Y CAGR-6.9%

Kemper Corporation 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.

KMPR 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.

KMPR 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	-$68.9M+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
EBITDA	N/A	N/A	N/A	-$10.3M+89.2%	-$95.7M+66.7%	-$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%	$76.0M+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
EPS (Basic)	N/A	$2.31-53.3%	$4.95+216.5%	-$4.25+5.6%	-$4.50-134.4%	-$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%	$4.91+215.5%	-$4.25+5.6%	-$4.50-134.4%	-$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	$132.4M+440.4%
EBITDA	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$145.5M+659.6%
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%	$18.5M+141.7%
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%	$73.7M+150.4%
EPS (Basic)	-$7.90-799.1%	-$0.03-101.9%	-$0.09-105.9%	-$0.34-129.6%	$1.13-3.4%	$1.56+40.5%	$1.52+90.0%	$1.15+150.4%
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%	$1.14+150.0%
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.

KMPR Balance Sheet

KMPR 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	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$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%	$241.1M+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	Q2'2610-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	$0	$0	$0	$0	$0	$0	$0	$0
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.

KMPR Cash Flow Statement

KMPR 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%	$382.9M+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
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%	$329.7M+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	Q2'2610-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%	$175.1M+689.6%	$141.9M+467.6%
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%	$165.4M+472.5%	$131.4M+351.2%
Investing Cash Flow	$3.4M-67.0%	-$63.1M-118.0%	-$77.2M+50.1%	$52.0M+142.6%	$10.3M+253.7%	$351.1M+793.4%	-$154.8M-5833.3%	-$122.2M-187.1%
Financing Cash Flow	-$45.3M-18.3%	-$59.1M+87.7%	-$79.2M-571.2%	-$261.5M-272.5%	-$38.3M-7.9%	-$481.1M-2342.1%	-$11.8M+44.6%	-$70.2M-11.6%
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%	$28.5M	$4.0M	$13.9M	$25.0M

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

KMPR 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.

KMPR 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	0.38-2.4x	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
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.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Kemper Corporation KMPR	FY2025	$4.8B	$143.3M	3.0%	$1.5B	—
Palomar Holdings, Inc. PLMR	FY2025	$876.0M	$197.1M	22.5%	$3.3B	67/100
Mercury General Corp. MCY	FY2025	$6.0B	$541.1M	9.0%	$5.7B	34/100
Selective Insurance Group SIGI	FY2025	$5.3B	$466.4M	8.7%	$5.1B	43/100
Lemonade, Inc. LMND	FY2025	$737.9M	-$166.0M	-22.5%	$3.6B	48/100
White Mountains Insurance Group Ltd. WTM	FY2025	$3.7B	$1.1B	29.6%	$4.9B	25/100

Where Kemper Corporation Ranks

Frequently Asked Questions

What is Kemper Corporation's annual revenue?

Kemper Corporation (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 Corporation's revenue growing?

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

Is Kemper Corporation profitable?

Yes, Kemper Corporation (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 Corporation have?

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

What is Kemper Corporation's net profit margin?

Kemper Corporation (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 Corporation pay dividends?

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

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

Kemper Corporation (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 Corporation's free cash flow?

Kemper Corporation (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 Corporation's operating cash flow?

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

What are Kemper Corporation's total assets?

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

What are Kemper Corporation's capital expenditures?

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

Does Kemper Corporation buy back shares?

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

How many shares does Kemper Corporation have outstanding?

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

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

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

Kemper Corporation (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 Corporation's P/E ratio?

Kemper Corporation (KMPR) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to June 30, 2026). The market capitalization is $1.5B as of Oct 7, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Kemper Corporation's price-to-sales ratio?

Kemper Corporation (KMPR) trades at 0.3x sales, its market capitalization divided by revenue of $4.6B revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.5B as of Oct 7, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Kemper Corporation's Piotroski F-Score?

Kemper Corporation (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 Corporation's earnings high quality?

Kemper Corporation (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.