KMPR Financials Kemper Corp

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated 29 h ago Overview →

Growth & profitability

Revenue has declined 1.7% per year over the past 5 years.
Net income has grown slower than revenue (-19.0% vs -1.7% per year).
Free cash flow has grown 7.0% per year over the past 5 years.

Financial health

Total debt ($944M) exceeds cash ($126M); net debt is $818M.
Total debt has grown in line with revenue (-4.3% vs -1.7% per year).

Shareholder returns

Dividends have been paid for 9 consecutive years, consuming 55.5% of earnings and 14.4% of free cash flow.
The dividend has grown 0.2% per year over the past 5 years.

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Free cash flow (CFO − capex)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key annual figures

FY	Revenue	Net income	Gross M	Op M	FCF	Total debt	Cash
2025	$4.8B	$143M	0.0%	0.0%	$554M	$944M	$126M
2024	$4.6B	$318M	0.0%	0.0%	$330M	$1.4B	$65M
2023	$4.9B	-$272M	0.0%	-1.4%	-$188M	$1.4B	$64M
2022	$5.5B	-$287M	0.0%	-3.0%	-$241M	$1.4B	$212M
2021	$5.7B	-$124M	0.0%	-5.8%	$293M	$1.1B	$148M
2020	$5.2B	$410M	0.0%	10.5%	$395M	$1.2B	$206M
2019	$5.0B	$531M	0.0%	10.3%	$450M	$778M	$137M
2018	$3.7B	$190M	0.0%	7.7%	$474M	$909M	$75M
2017	$2.7B	$121M	0.0%	4.4%	$205M	$592M	$46M
2016	$2.5B	$17M	0.0%	0.1%	—	$752M	—
2015	$2.3B	$86M	0.0%	3.6%	—	$751M	—
2014	$2.2B	$115M	0.0%	6.2%	—	—	—
2013	$2.4B	—	0.0%	9.4%	—	—	—
2012	$2.5B	—	0.0%	2.6%	—	—	—
2011	$2.5B	—	0.0%	1.8%	—	—	—

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Free cash flow (CFO − capex, quarterly)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key quarterly figures

Quarter	Revenue	Net income	Gross M	Op M	FCF	Total debt	Cash
Mar '26	$1.1B	-$2M	0.0%	0.0%	$78M	$944M	$93M
Dec '25	$1.1B	-$8M	0.0%	0.0%	$166M	$944M	$126M
Sep '25	$1.2B	-$21M	0.0%	0.0%	$133M	$943M	$107M
Jun '25	$1.2B	$73M	0.0%	0.0%	$82M	$943M	$177M
Mar '25	$1.2B	$100M	0.0%	0.0%	$172M	$942M	$115M
Dec '24	$1.2B	$97M	0.0%	0.0%	$165M	$1.4B	$65M
Sep '24	$1.2B	$74M	0.0%	11.2%	$131M	$1.4B	$57M
Jun '24	$1.1B	$75M	0.0%	10.1%	$5M	$1.4B	$107M
Mar '24	$1.1B	$71M	0.0%	7.6%	$28M	$1.4B	$127M
Dec '23	$1.2B	$51M	0.0%	5.3%	-$44M	$1.4B	$64M
Sep '23	$1.2B	-$146M	0.0%	-3.2%	-$52M	$1.4B	$112M
Jun '23	$1.3B	-$97M	0.0%	-1.6%	-$87M	$1.4B	$74M
Mar '23	$1.3B	-$80M	0.0%	-5.6%	-$5M	$1.4B	$61M
Dec '22	$1.4B	-$53M	0.0%	-2.6%	-$44M	$1.4B	$212M
Sep '22	$1.4B	-$75M	0.0%	-3.0%	-$84M	$1.4B	$249M
Jun '22	$1.4B	-$72M	0.0%	-3.5%	-$80M	$1.4B	$349M
Mar '22	$1.4B	-$86M	0.0%	-5.2%	-$34M	$1.4B	$297M
Dec '21	$1.5B	-$106M	0.0%	-12.1%	$29M	$1.1B	$148M
Sep '21	$1.5B	-$75M	0.0%	-9.0%	$52M	$1.1B	$120M
Jun '21	$1.5B	-$63M	0.0%	-9.0%	$81M	$1.1B	$105M

Valuation over time

How the market has priced KMPR against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

The price-to-earnings ratio has fallen from 12.3× (Dec '24) to 10.4× (Jun '26).
The price-to-sales ratio has fallen from 0.6× (Mar '23) to 0.3× (Jun '26).
The dividend yield has risen from 2.5% (Mar '23) to 5.3% (Jun '26).

Price / earnings (P/E)

P/E

Price / sales (P/S)

P/S

Dividend yield (%)

Dividend yield %

Frequently asked questions

Is KMPR growing its revenue and profit?

Over the past 5 years, Kemper Corp's revenue has declined 1.7% per year, and net income declined 19.0% per year. These are computed facts, not advice.

How much debt does KMPR have?

As of FY2025, Kemper Corp reported $944M of total debt against $126M of cash.

What is KMPR's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 3.0%.

What is KMPR's P/E ratio?

As of Jun '26, Kemper Corp traded at a price-to-earnings ratio of about 10.4× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.