NYSE · Financial Statements

Kemper Corporation (KMPR) Financial Statements

$28.81 NYSE: KMPR Market Cap $1.70B

Kemper Corporation most recently reported annual revenue of $4.8B, net profit of $143.0M. Revenue declined at an average annual rate of 1.5% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Kemper Corporation: Revenue rose from $2.5B in 2016 to $4.8B in 2025, a change of +90.4% over 9 years; net profit was positive in 7 of 10 reported years; operating margin moved from 0.1% to 3.4%, a shift of +3.2 percentage points; the most recent year shows net profit of $143.0M.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$2.5B$2.7B$3.7B$5.0B$5.2B$5.6B$5.5B$4.9B$4.6B$4.8B
Operating Expenses$2.5B$2.5B$3.5B$4.4B$4.7B$5.9B$5.8B$5.3B$4.2B$4.6B
Operating Profit$4.0M$161.0M$199.0M$662.0M$510.0M$-249.0M$-371.0M$-347.0M$389.0M$161.0M
Operating Margin0.1%6.0%5.4%13.2%9.8%-4.4%-6.8%-7.0%8.4%3.4%
Other Income$0$0$0$0$0$0$0$0$0$0
Interest$44.0M$35.0M$43.0M$43.0M$36.0M$44.0M$55.0M$56.0M$57.0M$39.0M
Depreciation$20.0M$18.0M$172.0M$63.0M$55.0M$100.0M$71.0M$59.0M$54.0M$74.0M
Profit Before Tax$4.0M$161.0M$199.0M$662.0M$510.0M$-249.0M$-371.0M$-347.0M$389.0M$161.0M
Tax$-262.9M$25.6M$5.4M$19.7M$19.6M$50.4M$22.8M$21.6M$19.6M$17.5M
Net Profit$17.0M$121.0M$190.0M$531.0M$410.0M$-124.0M$-287.0M$-272.0M$318.0M$143.0M
EPS$0.33$2.33$3.24$7.96$6.14$-1.88$-4.49$-4.25$4.91$2.29
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$1.2B$1.2B$1.1B$1.1B$1.2B$1.2B$1.2B$1.2B$1.2B$1.1B$1.1B$1.1B
Operating Expenses$1.4B$1.1B$1.1B$1.0B$1.1B$1.1B$1.1B$1.1B$1.3B$1.1B$1.1B$1.6B
Operating Profit$-191.0M$64.0M$87.0M$92.0M$91.0M$119.0M$120.0M$88.0M$-33.0M$-13.0M$-8.0M$-467.0M
Operating Margin-16.0%5.4%7.6%8.1%7.8%10.1%10.1%7.1%-2.7%-1.2%-0.7%-42.7%
Interest$14.0M$14.0M$14.0M$14.0M$14.0M$15.0M$11.0M$9.0M$9.0M$9.0M$9.0M$9.0M
Profit Before Tax$-191.0M$64.0M$87.0M$92.0M$91.0M$119.0M$120.0M$88.0M$-33.0M$-13.0M$-8.0M$-467.0M
Tax$23.3M$19.2M$18.9M$19.0M$20.4M$19.8M$19.0M$20.2M$26.9M$25.9M$44.3M$210,000
Net Profit$-146.0M$51.0M$71.0M$75.0M$74.0M$97.0M$100.0M$73.0M$-21.0M$-8.0M$-2.0M$-465.0M
EPS$-2.98$0.80$1.10$1.16$1.14$1.51$1.54$1.12$-0.34$-0.14$-0.03$-7.90

Over the 10 years reported for Kemper Corporation, borrowings increased from $752.0M in 2016 to $1.0B in 2025, cash stood at $126.0M in the latest year, shareholders' equity was $6.0M.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets$8.2B$8.4B$11.5B$13.0B$14.3B$14.9B$13.4B$12.7B$12.6B$12.5B
Current Assets$6.1B$6.2B$8.1B$0$0$2.2B$692.0M$1.8B$0$1.1B
Cash$116.0M$46.0M$75.0M$137.0M$206.0M$148.0M$212.0M$64.0M$65.0M$126.0M
Inventory$-1.0B$-1.0B$-1.8B$0$0$0$0$0$0$0
Receivables$0$0$0$1.4B$1.4B$1.8B$1.7B$1.2B$1.2B$965.0M
Fixed Assets$6.4B$6.4B$9.4B$0$0$0$0$0$0$0
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$11.5B$11.9B$14.4B$9.1B$10.5B$10.4B$16.0B$8.9B$8.9B$8.7B
Other Assets$323.0M$323.0M$1.1B$1.1B$1.1B$1.3B$1.3B$1.3B$1.3B$1.3B
Total Liabilities$6.2B$607.0M$8.5B$9.0B$9.8B$10.9B$10.9B$10.2B$9.8B$9.8B
Current Liabilities$360.0M$5.0B$448.0M$0$0$6.7B$168.0M$4.7B$0$0
Borrowings$752.0M$592.0M$909.0M$778.0M$1.2B$1.1B$1.4B$1.4B$1.4B$1.0B
Other Liabilities$5.5B$15.0M$7.6B$8.2B$8.6B$9.8B$9.5B$8.8B$8.4B$8.8B
Equity$5.0M$5.0M$7.0M$7.0M$7.0M$6.0M$6.0M$6.0M$6.0M$6.0M
Reserves$2.0B$2.1B$3.0B$4.0B$4.6B$4.0B$2.4B$2.5B$2.8B$2.7B

For Kemper Corporation, operating cash flow was positive in 8 of 10 reported years; free cash flow in the latest year was $554.0M; free cash flow was positive in 8 of 10 years; financing activities used $334.0M in the latest year, which covers debt repayment, dividends and buybacks.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$241.0M$241.0M$540.0M$534.0M$448.0M$351.0M$-210.0M$-135.0M$383.0M$585.0M
Investing Cash Flow$-256.0M$-141.0M$-563.0M$-717.0M$-810.0M$-176.0M$-139.0M$54.0M$-298.0M$306.0M
Financing Cash Flow$1.0M$4.0M$10.0M$236.0M$60.0M$-160.0M$196.0M$-46.0M$-57.0M$-334.0M
Net Cash Flow$-46.0M$-70.0M$29.0M$62.0M$69.0M$-58.0M$64.0M$-148.0M$1.0M$61.0M
Free Cash Flow$223.0M$205.0M$475.0M$450.0M$395.0M$293.0M$-241.0M$-189.0M$330.0M$554.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.01
EV / EBITDA-5.58
FCF Yield31.40%
Quick Ratio0.00
Interest Coverage-14.37
Return 1Y-54.17%
Return 3Y-39.35%
Return 5Y-54.41%

Kemper Corporation (KMPR) financials — frequently asked questions

What is Kemper Corporation's annual revenue?

Kemper Corporation (KMPR) reported annual revenue of $4.8B in its most recent fiscal year.

What is Kemper Corporation's net profit?

Kemper Corporation (KMPR) reported net profit of $143.0M in its most recent fiscal year.

What is KMPR EV/EBITDA?

Kemper Corporation's enterprise value to EBITDA (EV/EBITDA) ratio is -5.58. A negative value means EBITDA was negative over the period, so the ratio is not a meaningful valuation measure.

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