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KMPB logoKemper Corporation 5.875% Fixed(KMPB)Earnings, Financials & Key Ratios

KMPB•NYSE•Insurance & Managed Care
$23.89
$1.4B mkt cap·10.4× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustryPersonal auto and homeowners insurers
AboutKemper Corp. is a holding company, which engages in the property and casualty insurance, and life and health insurance businesses. It operates through the following segments: Specialty Property and Casualty Insurance, Preferred Property and Casualty Insurance, and Life and Health Insurance. The Specialty Property and Casualty Insurance segment provides personal and commercial automobile insurance. The Preferred Property and Casualty Insurance segment sells automobile, homeowners, and other personal insurance. The Life and Health Insurance segment offers financial security for loved ones, as well as financial protection from healthcare. The company was founded in 1990 and is headquartered in Chicago, IL.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%
  • Book Value per Share42.64-0.8%
  • Tangible BV/Share12.17-35.3%
  • Debt/Equity0.38-24.7%
Technical→

KMPB Key Insights

Kemper Corporation 5.875% Fixed (KMPB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 7/9
  • ✓Healthy dividend yield of 5.3%
  • ✓Share count reduced 3.3% through buybacks
  • ✓Trading near 52-week high
  • ✓Trading at only 0.6x book value

✗Weaknesses

  • ✗Weak 3Y average ROE of 2.1%
  • ✗Profits declining 19.0% over 5 years

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

KMPB Price & Volume

Kemper Corporation 5.875% Fixed (KMPB) stock price & volume — 10-year historical chart

Loading chart...

KMPB Growth Metrics

Kemper Corporation 5.875% Fixed (KMPB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years7.45%
5 Years-1.51%
3 Years-4.14%
TTM0.55%

Profit CAGR

10 Years5.28%
5 Years-18.96%
3 Years-
TTM-88.68%

EPS CAGR

10 Years3.33%
5 Years-17.9%
3 Years-
TTM-88.6%

Return on Capital

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

KMPB Recent Earnings

Kemper Corporation 5.875% Fixed (KMPB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 1/7 qtrs (25%)●Beat Revenue 1/7 qtrs (25%)
Q1 2026Latest
Feb 4, 2026
EPS
$0.25
Est $0.87
-71.1%
Revenue
$1.1B
Est $1.2B
-4.5%
Q4 2025
Nov 5, 2025
EPS
$0.34
Est $1.34
-125.5%
Revenue
$1.2B
Est $1.2B
+3.3%
Q3 2025
Aug 5, 2025
EPS
$1.12
Est $1.52
-26.3%
Revenue
$1.2B
Est $1.2B
-0.9%
Q2 2025
May 7, 2025
EPS
$1.50
Est $1.49
+0.7%
Revenue
$1.2B
Est $1.2B
-1.2%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q1 2026LatestFeb 4, 2026
$0.25vs $0.87-71.1%
$1.1Bvs $1.2B-4.5%
Q4 2025Nov 5, 2025
$0.34vs $1.34-125.5%
$1.2Bvs $1.2B+3.3%
Q3 2025Aug 5, 2025
$1.12vs $1.52-26.3%
$1.2Bvs $1.2B-0.9%
Q2 2025May 7, 2025
$1.50vs $1.49+0.7%
$1.2Bvs $1.2B-1.2%
Based on last 7 quarters of dataView full earnings history →

KMPB Peer Comparison

Kemper Corporation 5.875% Fixed (KMPB) 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
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
KMPR logoKMPRKemper CorporationDirect Competitor1.92B32.7414.303.62%0.83%1.43%0.38
HIG logoHIGThe Hartford Financial Services Group, Inc.Direct Competitor36.71B133.4910.027.1%14.13%22.01%0.23
THG logoTHGThe Hanover Insurance Group, Inc.Direct Competitor6.56B186.3710.076.12%10.79%20.93%0.34
ERIE logoERIEErie Indemnity CompanyDirect Competitor9.86B213.5620.117.17%13.2%25.03%
CINF logoCINFCincinnati Financial CorporationDirect Competitor24.98B160.4310.5811.41%21.34%17.98%0.06
PGR logoPGRThe Progressive CorporationProduct Competitor115.34B196.8013.6721.36%12.58%30.23%0.27
ALL logoALLThe Allstate CorporationProduct Competitor56.1B217.925.714.64%18.09%42.74%0.24
SAFT logoSAFTSafety Insurance Group, Inc.Product Competitor1.09B74.3011.0913.01%7.91%11.29%0.07

Compare KMPB vs Peers

Kemper Corporation 5.875% Fixed (KMPB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs KMPR

Most directly comparable listed peer for KMPB.

Scale Benchmark

vs PGR

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

Peer Set

Compare Top 5

vs KMPR, HIG, THG, ERIE

KMPB Income Statement

Kemper Corporation 5.875% Fixed (KMPB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Revenue2.67B3.69B5.02B5.18B5.61B5.45B4.95B4.63B4.8B4.71B
Revenue Growth %5.83%38.17%36.13%3.16%8.42%-2.92%-9.27%-6.32%3.62%0.55%
Medical Costs & Claims2.23B2.92B3.83B4.02B5.26B5.66B3.82B4.04B3.38B3.22B
Medical Cost Ratio %83.54%79.2%76.3%77.58%93.68%103.88%77.25%87.28%70.32%68.37%
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%
381.6M▲ 0%
Gross Margin %16.46%20.8%23.7%22.42%6.32%-3.88%22.75%12.72%29.68%8.11%
Gross Profit Growth %22.85%74.61%55.17%-2.45%-69.44%-159.55%632.56%-47.62%141.77%-
Operating Expenses278.1M567.8M528.4M650.8M604.2M159.7M1.47B200.9M1.26B340.7M
OpEx / Revenue %10.42%15.4%10.53%12.57%10.76%2.93%29.77%4.34%26.34%7.24%
Depreciation & Amortization18.2M171.9M62.5M55M99.8M70.9M58.6M53.7M74.3M-12.5M
Combined Ratio %93.96%94.6%86.82%90.15%104.44%106.81%107.02%91.61%96.65%75.61%
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%
40.9M▲ 0%
Operating Margin %6.04%5.4%13.18%9.85%-4.44%-6.81%-7.02%8.39%3.35%0.87%
Operating Income Growth %4502.86%23.59%232.3%-22.9%-148.89%-48.76%6.44%211.93%-58.64%-
EBITDA179.3M371M724.1M565.1M-149.6M-300.1M-288.5M442.2M235M28.4M
EBITDA Margin %6.72%10.06%14.42%10.91%-2.66%-5.51%-5.83%9.55%4.9%0.6%
Interest Expense34.9M43.4M42.5M36M43.6M54.7M56.1M56.9M38.5M36.4M
Non-Operating Income-34.9M-43.4M-42.5M-36M-43.7M-54.7M-56.1M-56.9M-38.5M11.4M
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 Tax41.2M10.7M130.5M100.2M-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%
39.2M▲ 0%
Net Margin %4.53%5.15%10.58%7.92%-2.2%-5.26%-5.5%6.86%2.99%0.83%
Net Income Growth %619.64%57.24%179.38%-22.82%-130.18%-131.69%5.06%216.8%-54.91%-88.68%
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%
EPS Growth %606.06%39.06%145.68%-22.86%-130.62%-151.06%9.96%215.53%-53.36%-88.6%
EPS (Basic)2.343.278.046.24-1.88-4.72-4.254.952.31-
Diluted Shares Outstanding51.58M58.75M66.55M66.73M64.26M63.83M64.03M64.78M62.61M0

KMPB Balance Sheet

Kemper Corporation 5.875% Fixed (KMPB) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Assets8.38B11.54B12.99B14.34B14.92B13.36B12.74B12.63B12.47B0
Asset Growth %2.02%37.83%12.51%10.41%4.01%-10.41%-4.65%-0.88%-1.25%-104.13%
Total Investment Assets6.8B8.07B9.26B10.42B10.39B8.79B8.91B8.92B8.73B3M
Long-Term Investments6.31B7.65B8.6B9.62B9.34B7.63B7.87B7.9B8.4B23.51B
Short-Term Investments5.62B6.71B470.9M875.4M284.1M7.17B522.9M1.07B327.9M0
Total Current Assets6.23B8.08B000692M001.09B0
Cash & Equivalents45.7M75.1M136.8M206.1M148.2M212.4M64.1M65.4M126M0
Receivables001.38B1.43B1.8B01.23B1.24B965.2M3.54B
Other Current Assets00-1.99B-2.51B-2.23B0-1.81B-2.37B-327.9M0
Goodwill & Intangibles504M1.42B1.44B1.43B1.61B1.62B1.57B1.57B1.91B4.68B
Goodwill323M1.11B1.11B1.11B1.31B1.3B1.25B1.25B1.25B0
Intangible Assets181M308.8M328.4M320.1M293.8M316.4M318.3M315.5M656.7M0
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 Liabilities607.1M8.49B9.02B9.78B10.91B10.92B10.24B9.85B9.8B9.78B
Total Debt592.3M909M778.4M1.17B1.12B1.39B1.39B1.39B1B0
Net Debt546.6M833.9M641.6M966.7M973.7M1.17B1.33B1.33B878.9M0
Long-Term Debt592.3M909M329.8M724M672.9M1.39B1.39B941.7M943.5M0
Short-Term Debt00448.6M448.8M449M449.3M0449.6M17.1M0
Total Current Liabilities5B448.4M000167.6M0000
Accounts Payable00000-449.3M0000
Deferred Revenue00000189.4M001.25B0
Other Current Liabilities4.55B-674.9M-1.18B-1.18B-1.29B-718.4M0-449.6M-2.03B0
Deferred Taxes1000K1000K1000K1000K1000K1000K1000K1000K1000K47.3M
Other Liabilities5.66B7.59B-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 Equity2.12B3.05B3.97B4.56B4.01B2.44B2.51B2.79B2.68B2.65B
Minority Interest000000-200K-4.1M-12M-14.5M
Retained Earnings1.24B1.36B1.81B2.07B1.76B1.38B1.01B1.23B1.16B1.14B
Common Stock5.1M6.5M6.7M6.5M6.4M6.4M6.4M6.4M5.9M5.9M
Accumulated OCI194.4M21.8M336.1M680.5M448.1M-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%1.43%
Return on Assets (ROA)1.46%1.91%4.33%3%-0.85%-2.03%-2.08%2.5%1.14%0.42%
Equity / Assets25.26%26.42%30.58%31.82%26.87%18.28%19.66%22.04%21.4%-
Debt / Equity0.28x0.30x0.20x0.26x0.28x0.57x0.55x0.50x0.38x0.38x
Book Value per Share41.0251.9159.6968.3962.3638.2839.1242.9842.6442.64
Tangible BV per Share31.2527.7338.0246.9037.3812.9514.6218.8012.17-

KMPB Cash Flow Statement

Kemper Corporation 5.875% Fixed (KMPB) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations240.6M540M534.3M448M350.7M-210.3M-135.3M382.9M584.5M584.5M
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%12.42%
Net Income120.9M190.1M531.1M409.9M-120.5M-301.2M-272.1M312.5M143.3M39.2M
Depreciation & Amortization18.2M171.9M62.5M55M99.8M70.9M053.7M74.3M61.8M
Stock-Based Compensation9.4M18.6M0028M17.7M0000
Deferred Taxes0000-28M-17.7M0000
Other Non-Cash Items-34.1M62.4M-205.6M-30.6M-140.7M115.5M188.1M34.6M5.9M-26M
Working Capital Changes135.6M115.6M146.3M13.7M512.1M-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
Acquisitions20.2M-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 Investments951.8M2.22B1.48B1.45B2.44B1.89B1.04B1.38B2.11B1.3B
Other Investing22.4M3.1M-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 Repurchases000-110.4M-161.7M-4.9M0-38.9M-301.9M-297.9M
Stock Issued4M900K127.5M004.9M4.3M03.7M1.9M
Debt Issuance (Net)-1000K1000K-1000K1000K-1000K1000K00-1000K1000K
Other Financing4.1M9.8M236.2M170.8M1.9M200.7M-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 Effect0000001.1M000
Cash at Beginning115.7M45.7M75.1M136.8M206.1M148.2M212.4M64.1M65.4M126M
Cash at End45.7M75.1M136.8M206.1M148.2M212.4M64.1M65.4M126M92.6M
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%8.11%
FCF per Share3.988.086.775.914.56-3.78-2.955.098.858.85

KMPB Key Ratios

Kemper Corporation 5.875% Fixed (KMPB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Combined Ratio93.96%94.6%86.82%90.15%104.44%106.81%107.02%91.61%96.65%75.61%
Medical Cost Ratio83.54%79.2%76.3%77.58%93.68%103.88%77.25%87.28%70.32%68.37%
Return on Equity (ROE)5.91%7.36%15.13%9.6%-2.89%-8.89%-11%12.02%5.26%1.43%
Return on Assets (ROA)1.46%1.91%4.33%3%-0.85%-2.03%-2.08%2.5%1.14%0.42%
Equity / Assets25.26%26.42%30.58%31.82%26.87%18.28%19.66%22.04%21.4%-
Book Value / Share41.0251.9159.6968.3962.3638.2839.1242.9842.6442.64
Debt / Equity0.28x0.30x0.20x0.26x0.28x0.57x0.55x0.50x0.38x0.38x
Revenue Growth5.83%38.17%36.13%3.16%8.42%-2.92%-9.27%-6.32%3.62%0.55%

KMPB SEC Filings & Documents

Kemper Corporation 5.875% Fixed (KMPB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 6, 2026·SEC

Material company update

May 6, 2026·SEC

Material company update

Feb 4, 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

KMPB Frequently Asked Questions

Kemper Corporation 5.875% Fixed (KMPB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Kemper Corporation 5.875% Fixed (KMPB) grew revenue by 3.6% over the past year. Growth has been modest.

Yes, Kemper Corporation 5.875% Fixed (KMPB) is profitable, generating $39.2M in net income for fiscal year 2025 (3.0% net margin).

Dividend & Returns

Yes, Kemper Corporation 5.875% Fixed (KMPB) pays a dividend with a yield of 5.32%. This makes it attractive for income-focused investors.

Kemper Corporation 5.875% Fixed (KMPB) has a return on equity (ROE) of 5.3%. This is below average, suggesting room for improvement.

Industry Metrics

Kemper Corporation 5.875% Fixed (KMPB) has a combined ratio of 96.7%. A ratio below 100% indicates underwriting profitability.

Explore More KMPB

Kemper Corporation 5.875% Fixed (KMPB) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→
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