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KMPRKemper Corporation
$25.03$1.5B
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KMPR logoKemper Corporation(KMPR)Earnings, Financials & Key Ratios

KMPR•NYSE•Insurance & Managed Care
10.9× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustryPersonal auto and homeowners insurers
AboutKemper Corporation, a diversified insurance holding company, provides property and casualty, and life and health insurance in the United States. The company operates through three segments: Specialty Property & Casualty Insurance, Preferred Property & Casualty Insurance, and Life & Health Insurance. It provides automobile, homeowners, renters, fire, umbrella, general liability, and various other property and casualty insurance to individuals, as well as commercial automobile insurance to businesses. The company also offers life insurance, including permanent and term insurance, as well as supplemental accident and health insurance products; and Medicare supplement insurance, fixed hospital indemnity, home health care, specified disease, and accident-only plans to individuals in rural, suburban, and urban areas. It distributes its products through independent agents and brokers. The company was formerly known as Unitrin, Inc. and changed its name to Kemper Corporation in August 2011. Kemper Corporation was incorporated in 1990 and is headquartered in Chicago, Illinois.Show more
  • Revenue$4.8B+3.6%
  • Combined Ratio96.65%+5.5%
  • Net Income$143M-54.9%
  • Return on Equity5.26%-56.3%
  • Medical Cost Ratio70.32%-19.4%
  • Operating Margin3.35%-60.1%
  • Net Margin2.99%-56.5%
  • ROA1.14%-54.4%
  • Equity / Assets21.4%-2.9%

KMPR Key Insights

Kemper Corporation (KMPR) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 7/9
  • ✓Healthy dividend yield of 5.1%
  • ✓Share count reduced 3.3% through buybacks
  • ✓Trading at only 0.6x book value

✗Weaknesses

  • ✗Weak 3Y average ROE of 2.1%
  • ✗Profits declining 19.0% over 5 years
  • ✗Weak momentum: RS Rating 13 (bottom 13%)
  • ✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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KMPR Price & Volume

Kemper Corporation (KMPR) stock price & volume — 10-year historical chart

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KMPR Growth Metrics

Kemper Corporation (KMPR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years7.45%
5 Years-1.51%
3 Years-4.14%
TTM0.58%

Profit CAGR

10 Years5.28%
5 Years-18.96%
3 Years-
TTM-87.9%

EPS CAGR

10 Years3.33%
5 Years-17.9%
3 Years-
TTM-89.44%

Return on Capital

10 Years1.21%
5 Years-0.54%
3 Years0.56%
Last Year1.28%

KMPR Recent Earnings

Kemper Corporation (KMPR) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
May 6, 2026
Metric
Actual
Est
EPS
$0.21-74.1%
$0.81
Rev
$1.1B-5.4%
$1.2B
Q1 2026
Feb 4, 2026
Metric
Actual
Est
EPS
$0.25-70.6%
$0.85
Rev
$1.1B-4.5%
$1.2B
Q4 2025
Nov 5, 2025
Metric
Actual
Est
EPS
$0.33-75.2%
$1.33
Rev
$1.2B+1.6%
$1.2B
Q3 2025
Aug 5, 2025
Metric
Actual
Est
EPS
$1.30-14.5%
$1.52
Rev
$1.2B-3.7%
$1.3B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 6, 2026
$0.21vs $0.81-74.1%
$1.1Bvs $1.2B-5.4%
Q1 2026Feb 4, 2026
$0.25vs $0.85-70.6%
$1.1Bvs $1.2B-4.5%
Q4 2025Nov 5, 2025
$0.33vs $1.33-75.2%
$1.2Bvs $1.2B+1.6%
Q3 2025Aug 5, 2025
$1.30vs $1.52-14.5%
$1.2Bvs $1.3B-3.7%
Based on last 12 quarters of dataView full earnings history →

KMPR Peer Comparison

Kemper Corporation (KMPR) competitors in Personal auto and homeowners insurers — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
HCI logoHCIHCI Group, Inc.Direct Competitor2.13B163.636.5820.21%32.64%30.81%0.06
PLMR logoPLMRPalomar Holdings, Inc.Direct Competitor2.96B111.7015.5858.16%20.15%21.74%0.01
ACGL logoACGLArch Capital Group Ltd.Direct Competitor32.48B91.187.8514.27%22.07%19.02%0.11
KINS logoKINSKingstone Companies, Inc.Direct Competitor235.38M16.255.6428.39%14.91%0.11%0.04
PGR logoPGRThe Progressive CorporationProduct Competitor120.07B204.8714.2321.36%12.58%30.23%0.27
ALL logoALLThe Allstate CorporationProduct Competitor56.93B221.175.794.64%18.09%42.74%0.24
MET logoMETMetLife, Inc.Product Competitor55.8B85.5817.8310.22%4.7%12.72%0.70
AFL logoAFLAflac IncorporatedProduct Competitor59.49B115.4716.91-8.84%21%13.05%0.29

Compare KMPR vs Peers

Kemper Corporation (KMPR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HCI

Most directly comparable listed peer for KMPR.

Scale Benchmark

vs PGR

Larger-name benchmark to compare KMPR against a more recognizable public peer.

Peer Set

Compare Top 5

vs HCI, PLMR, ACGL, KINS

KMPR Income Statement

Kemper Corporation (KMPR) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Revenue
2.67B3.69B5.02B5.18B5.61B5.45B4.95B4.63B4.8B4.71B
Revenue Growth %
5.83%38.17%36.13%3.16%8.42%-2.92%-9.27%-6.32%3.62%0.58%
Medical Costs & Claims
2.23B2.92B3.83B4.02B5.26B5.66B3.82B4.04B3.38B4.05B
Medical Cost Ratio %
83.54%79.2%76.3%77.58%93.68%103.88%77.25%87.28%70.32%85.95%
Gross Profit
439.2M▲ 0%
766.9M▲ 74.6%
1.19B▲ 55.2%
1.16B▼ 2.4%
354.8M▼ 69.4%
-211.3M▼ 159.6%
1.13B▲ 632.6%
589.4M▼ 47.6%
1.43B▲ 141.8%
661.7M▲ 0%
Gross Margin %
16.46%20.8%23.7%22.42%6.32%-3.88%22.75%12.72%29.68%14.05%
Gross Profit Growth %
22.85%74.61%55.17%-2.45%-69.44%-159.55%632.56%-47.62%141.77%-
Operating Expenses
278.1M567.8M528.4M650.8M604.2M159.7M1.47B200.9M1.26B628.7M
OpEx / Revenue %
10.42%15.4%10.53%12.57%10.76%2.93%29.77%4.34%26.34%13.35%
Depreciation & Amortization
18.2M171.9M62.5M55M99.8M70.9M58.6M53.7M74.3M-900K
Combined Ratio %
93.96%94.6%86.82%90.15%104.44%106.81%107.02%91.61%96.65%99.3%
Operating Income
161.1M▲ 0%
199.1M▲ 23.6%
661.6M▲ 232.3%
510.1M▼ 22.9%
-249.4M▼ 148.9%
-371M▼ 48.8%
-347.1M▲ 6.4%
388.5M▲ 211.9%
160.7M▼ 58.6%
33M▲ 0%
Operating Margin %
6.04%5.4%13.18%9.85%-4.44%-6.81%-7.02%8.39%3.35%0.7%
Operating Income Growth %
4502.86%23.59%232.3%-22.9%-148.89%-48.76%6.44%211.93%-58.64%-
EBITDA
179.3M371M724.1M565.1M-149.6M-300.1M-288.5M442.2M235M32.1M
EBITDA Margin %
6.72%10.06%14.42%10.91%-2.66%-5.51%-5.83%9.55%4.9%0.68%
Interest Expense
34.9M43.4M42.5M36M43.6M54.7M56.1M56.9M38.5M36.4M
Non-Operating Income
-34.9M-43.4M-42.5M-36M-43.7M-54.7M-56.1M-56.9M-38.5M2.1M
Pretax Income
161.1M▲ 0%
199.1M▲ 23.6%
661.6M▲ 232.3%
510.1M▼ 22.9%
-249.3M▼ 148.9%
-371M▼ 48.8%
-347.1M▲ 6.4%
388.5M▲ 211.9%
160.7M▼ 58.6%
33M▲ 0%
Pretax Margin %
6.04%5.4%13.18%9.85%-4.44%-6.81%-7.02%8.39%3.35%0.7%
Income Tax
41.2M10.7M130.5M100.2M-125.6M-84.4M-74.8M76M28.1M1.8M
Effective Tax Rate %
25.57%5.37%19.72%19.64%50.38%22.75%21.55%19.56%17.49%5.45%
Net Income
120.9M▲ 0%
190.1M▲ 57.2%
531.1M▲ 179.4%
409.9M▼ 22.8%
-123.7M▼ 130.2%
-286.6M▼ 131.7%
-272.1M▲ 5.1%
317.8M▲ 216.8%
143.3M▼ 54.9%
41.9M▲ 0%
Net Margin %
4.53%5.15%10.58%7.92%-2.2%-5.26%-5.5%6.86%2.99%0.89%
Net Income Growth %
619.64%57.24%179.38%-22.82%-130.18%-131.69%5.06%216.8%-54.91%-87.9%
EPS (Diluted)
2.33▲ 0%
3.24▲ 39.1%
7.96▲ 145.7%
6.14▼ 22.9%
-1.88▼ 130.6%
-4.72▼ 151.1%
-4.25▲ 10.0%
4.91▲ 215.5%
2.29▼ 53.4%
0.71▲ 0%
EPS Growth %
606.06%39.06%145.68%-22.86%-130.62%-151.06%9.96%215.53%-53.36%-89.44%
EPS (Basic)
2.343.278.046.24-1.88-4.72-4.254.952.31-
Diluted Shares Outstanding
51.58M58.75M66.55M66.73M64.26M63.83M64.03M64.78M62.61M58.8M

KMPR Balance Sheet

Kemper Corporation (KMPR) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Assets
8.38B11.54B12.99B14.34B14.92B13.36B12.74B12.63B12.47B0
Asset Growth %
2.02%37.83%12.51%10.41%4.01%-10.41%-4.65%-0.88%-1.25%-104.13%
Total Investment Assets
6.8B8.07B9.26B10.42B10.39B8.79B8.91B8.92B8.73B3M
Long-Term Investments
6.31B7.65B8.6B9.62B9.34B7.63B7.87B7.9B8.4B24.94B
Short-Term Investments
5.62B6.71B470.9M875.4M284.1M7.17B522.9M1.07B327.9M0
Total Current Assets
6.23B8.08B000692M001.09B0
Cash & Equivalents
45.7M75.1M136.8M206.1M148.2M212.4M64.1M65.4M126M0
Receivables
001.38B1.43B1.8B01.23B1.24B965.2M3.54B
Other Current Assets
00-1.99B-2.51B-2.23B0-1.81B-2.37B-327.9M0
Goodwill & Intangibles
504M1.42B1.44B1.43B1.61B1.62B1.57B1.57B1.91B6B
Goodwill
323M1.11B1.11B1.11B1.31B1.3B1.25B1.25B1.25B0
Intangible Assets
181M308.8M328.4M320.1M293.8M316.4M318.3M315.5M656.7M0
PP&E (Net)
6.43B9.36B00012.2M0000
Other Assets
-6.63B-9.08B-10.04B-11.06B-10.95B-7.65B-9.44B-9.46B1.08B0
Total Liabilities
607.1M8.49B9.02B9.78B10.91B10.92B10.24B9.85B9.8B9.78B
Total Debt
592.3M909M778.4M1.17B1.12B1.39B1.39B1.39B1B0
Net Debt
546.6M833.9M641.6M966.7M973.7M1.17B1.33B1.33B878.9M0
Long-Term Debt
592.3M909M329.8M724M672.9M1.39B1.39B941.7M943.5M0
Short-Term Debt
00448.6M448.8M449M449.3M0449.6M17.1M0
Total Current Liabilities
5B448.4M000167.6M0000
Accounts Payable
00000-449.3M0000
Deferred Revenue
00000189.4M001.25B0
Other Current Liabilities
4.55B-674.9M-1.18B-1.18B-1.29B-718.4M0-449.6M-2.03B0
Deferred Taxes
1000K1000K1000K1000K1000K1000K1000K1000K1000K47.3M
Other Liabilities
5.66B7.59B-508M-1.01B-899.9M9.26B-1.44B-956.5M8.8B0
Total Equity
2.12B▲ 0%
3.05B▲ 44.2%
3.97B▲ 30.2%
4.56B▲ 14.9%
4.01B▼ 12.2%
2.44B▼ 39.0%
2.5B▲ 2.5%
2.78B▲ 11.1%
2.67B▼ 4.1%
2.64B▲ 0%
Equity Growth %
7.11%44.17%30.24%14.88%-12.18%-39.04%2.53%11.15%-4.13%-5.03%
Shareholders Equity
2.12B3.05B3.97B4.56B4.01B2.44B2.51B2.79B2.68B2.65B
Minority Interest
000000-200K-4.1M-12M-14.5M
Retained Earnings
1.24B1.36B1.81B2.07B1.76B1.38B1.01B1.23B1.16B1.14B
Common Stock
5.1M6.5M6.7M6.5M6.4M6.4M6.4M6.4M5.9M5.9M
Accumulated OCI
194.4M21.8M336.1M680.5M448.1M-756M-360.8M-304.5M-206.2M-226.7M
Return on Equity (ROE)
5.91%7.36%15.13%9.6%-2.89%-8.89%-11%12.02%5.26%1.53%
Return on Assets (ROA)
1.46%1.91%4.33%3%-0.85%-2.03%-2.08%2.5%1.14%0.45%
Equity / Assets
25.26%26.42%30.58%31.82%26.87%18.28%19.66%22.04%21.4%-
Debt / Equity
0.28x0.30x0.20x0.26x0.28x0.57x0.55x0.50x0.38x0.00x
Book Value per Share
41.0251.9159.6968.3962.3638.2839.1242.9842.6444.81
Tangible BV per Share
31.2527.7338.0246.9037.3812.9514.6218.8012.1744.81

KMPR Cash Flow Statement

Kemper Corporation (KMPR) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
240.6M540M534.3M448M350.7M-210.3M-135.3M382.9M584.5M404.5M
Operating CF Growth %
0.04%124.44%-1.06%-16.15%-21.72%-159.97%35.66%383%52.65%189.8%
Operating CF / Revenue %
9.01%14.64%10.64%8.65%6.25%-3.86%-2.74%8.27%12.18%8.59%
Net Income
120.9M190.1M531.1M409.9M-120.5M-301.2M-272.1M312.5M143.3M41.9M
Depreciation & Amortization
18.2M171.9M62.5M55M99.8M70.9M053.7M74.3M61.8M
Stock-Based Compensation
9.4M18.6M0028M17.7M0000
Deferred Taxes
0000-28M-17.7M0000
Other Non-Cash Items
-34.1M62.4M-205.6M-30.6M-140.7M115.5M188.1M34.6M5.9M-26M
Working Capital Changes
135.6M115.6M146.3M13.7M512.1M-95.5M-51.3M-17.9M361M331.1M
Cash from Investing
-105.4M-497.6M-633.4M-757M-118.2M-108.4M107.9M-244.4M336.2M-78M
Capital Expenditures
-35.5M-65.3M-84M-53.4M-57.8M-30.8M-53.8M-53.2M-30.6M-22.9M
Acquisitions
20.2M-589.6M00-316.6M14.8M0000
Purchase of Investments
-1.06B-2.07B-1.99B-2.15B-2.05B-1.89B-855.1M-1.61B-1.75B-1.26B
Sale/Maturity of Investments
951.8M2.22B1.48B1.45B2.44B1.89B1.04B1.38B2.11B1.3B
Other Investing
22.4M3.1M-33.6M-8.9M-129.4M-94.4M-20.9M40.3M4.1M-103.3M
Cash from Financing
-205.2M-13M160.8M378.3M-290.4M382.9M-122M-137.2M-860.1M-438.1M
Dividends Paid
-49.5M-56.4M-67.8M-78.9M-80.6M-79.7M-80.1M-80.1M-79.6M-77.7M
Share Repurchases
000-110.4M-161.7M-4.9M0-38.9M-301.9M-297.9M
Stock Issued
4M900K127.5M004.9M4.3M03.7M1.9M
Debt Issuance (Net)
-1000K1000K-1000K1000K-1000K1000K00-1000K1000K
Other Financing
4.1M9.8M236.2M170.8M1.9M200.7M-46.2M-18.2M-32.3M-513.5M
Net Change in Cash
-70M▲ 0%
29.4M▲ 142.0%
61.7M▲ 109.9%
69.3M▲ 12.3%
-57.9M▼ 183.5%
64.2M▲ 210.9%
-148.3M▼ 331.0%
1.3M▲ 100.9%
60.6M▲ 4561.5%
-22.8M▲ 0%
Exchange Rate Effect
0000001.1M000
Cash at Beginning
115.7M45.7M75.1M136.8M206.1M148.2M212.4M64.1M65.4M126M
Cash at End
45.7M75.1M136.8M206.1M148.2M212.4M64.1M65.4M126M92.6M
Free Cash Flow
205.1M▲ 0%
474.7M▲ 131.4%
450.3M▼ 5.1%
394.6M▼ 12.4%
292.9M▼ 25.8%
-241.1M▼ 182.3%
-189.1M▲ 21.6%
329.7M▲ 274.4%
553.9M▲ 68.0%
381.6M▲ 0%
FCF Growth %
-7.99%131.45%-5.14%-12.37%-25.77%-182.31%21.57%274.35%68%-27.66%
FCF Margin %
7.68%12.87%8.97%7.62%5.22%-4.42%-3.82%7.12%11.54%8.1%
FCF per Share
3.988.086.775.914.56-3.78-2.955.098.856.49

KMPR Key Ratios

Kemper Corporation (KMPR) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Combined Ratio
93.96%94.6%86.82%90.15%104.44%106.81%107.02%91.61%96.65%99.3%
Medical Cost Ratio
83.54%79.2%76.3%77.58%93.68%103.88%77.25%87.28%70.32%85.95%
Return on Equity (ROE)
5.91%7.36%15.13%9.6%-2.89%-8.89%-11%12.02%5.26%1.53%
Return on Assets (ROA)
1.46%1.91%4.33%3%-0.85%-2.03%-2.08%2.5%1.14%0.45%
Equity / Assets
25.26%26.42%30.58%31.82%26.87%18.28%19.66%22.04%21.4%-
Book Value / Share
41.0251.9159.6968.3962.3638.2839.1242.9842.6444.81
Debt / Equity
0.28x0.30x0.20x0.26x0.28x0.57x0.55x0.50x0.38x0.00x
Revenue Growth
5.83%38.17%36.13%3.16%8.42%-2.92%-9.27%-6.32%3.62%0.58%
Related:KMPR Dividend History·KMPR Revenue History·KMPR Price History·KMPR P/E History·KMPR Financial Ratios·KMPR Institutional Holders

KMPR SEC Filings & Documents

Kemper Corporation (KMPR) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 7, 2026·SEC

Material company update

May 6, 2026·SEC

Material company update

May 6, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 11, 2026·SEC

FY 2025

Feb 7, 2025·SEC

FY 2024

Feb 7, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 6, 2026·SEC

FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 5, 2025·SEC

KMPR Frequently Asked Questions

Kemper Corporation (KMPR) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Kemper Corporation (KMPR) grew revenue by 3.6% over the past year. Growth has been modest.

Yes, Kemper Corporation (KMPR) is profitable, generating $41.9M in net income for fiscal year 2025 (3.0% net margin).

Dividend & Returns

Yes, Kemper Corporation (KMPR) pays a dividend with a yield of 5.08%. This makes it attractive for income-focused investors.

Kemper Corporation (KMPR) has a return on equity (ROE) of 5.3%. This is below average, suggesting room for improvement.

Industry Metrics

Kemper Corporation (KMPR) has a combined ratio of 96.7%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in KMPR back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in KMPR be worth today?

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