KMPR · KEMPER Corp · Financials

$33.77 -1.31 (-3.73%) At close · Nov 3 Q2 2026 earnings call transcript

S&P 600 member Russell 2000 member Rebalance outlook locked

Market Cap

$2.07B

58.92M

Volume · Nov 3 898.37K Avg daily vol (3M) 884.67K

Income-statement, balance-sheet and cash-flow figures from SEC filings, plus a debt profile anchored in the latest 10-K and updated by each 10-Q and debt exhibit.

Pull these statements through the financial statements API or MCP →

Revenue

$4.79B +3.3%

FY2025

Net Income

$143.3M -54.9%

FY2025

Operating Margin

-1.39% +1.6pp

FY2023

Diluted EPS

$2.29 -53.4%

FY2025

Operating Cash Flow

$584.5M +52.7%

FY2025

Chart any reported metric, KPI or segment over time — the full statement history lives here

Income Statement Balance Sheet Cash Flow Adjusted All Metrics

Annual Quarterly

Line Item	3Y	5Y	10Y	TTM	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014	FY2013	FY2012	FY2011	FY2010	FY2009	FY2008
Revenue	-4.6%	-1.7%	+7.4%	$4.57B	$4.79B	$4.64B	$4.94B	$5.52B	$5.72B	$5.21B	$5.04B	$3.73B	$2.72B	$2.52B	$2.34B	$2.2B	$2.43B	$2.46B	$2.5B	$2.64B	$2.75B	$2.74B
Premiums Earned (Net)	-5.5%	-1.2%	+8.1%	$4.19B	$4.4B	$4.22B	$4.53B	$5.21B	$5.18B	$4.67B	$4.47B	$3.38B	$2.35B	$2.22B	$2.01B	$1.86B	$2.03B	$2.11B	$2.17B	$2.29B	$2.46B	$2.38B
Amortization of Intangibles	+5.9%	+8.6%	+15.3%	$61M	$63.8M	$46.3M	$48.6M	$53.7M	$87M	$42.3M	$37.8M	$166.4M	$11.3M	$5.9M	$15.4M	$7.2M	$8.3M	—	—	—	—	—
Depreciation & Amortization	+1.6%	+15.5%	—	$72M	$74.3M	$53.7M	$58.6M	$70.9M	$46.3M	$36.2M	$32.8M	$15.6M	$13.1M	—	—	—	—	—	—	—	—	—
Restructuring Charges	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	$1.8M	$7.2M	$3.6M	$1.1M	—	—
Total Operating Expenses	-7.7%	-0.3%	+7.5%	—	$4.63B	$4.25B	$5.29B	$5.89B	$5.97B	$4.7B	$4.38B	$3.53B	$2.56B	$2.52B	$2.24B	$2.04B	$2.11B	$2.34B	$2.43B	$2.42B	$2.52B	$2.83B
Operating Income	—	—	—	—	—	—	-$68.9M	-$166.6M	-$334M	$546.8M	$518.8M	$286.2M	$118.9M	$3.1M	$84.5M	$136.3M	$229.2M	$63.9M	$45.9M	$200.2M	$253.8M	—
Operating Margin	—	—	—	—	—	—	-1.39%	-3.02%	-5.84%	10.5%	10.3%	7.68%	4.37%	0.12%	3.61%	6.21%	9.45%	2.6%	1.84%	7.58%	9.22%	—
EBITDA	—	—	—	—	—	—	-$10.3M	-$95.7M	-$287.7M	$583M	$551.6M	$301.8M	$132M	—	—	—	—	—	—	—	—	—
Interest Expense	-11.0%	+1.4%	-1.9%	—	$38.5M	$56.9M	$56.1M	$54.7M	$43.6M	$36M	$42.5M	$43.3M	$34.9M	$44.4M	$46.5M	—	—	—	—	—	—	—
Equity in Earnings of Unconsolidated Entities	—	—	—	$5.7M	-$7M	-$31.1M	$1.1M	—	—	—	$1M	$11M	$24.8M	—	—	—	—	$0	$0	-$100K	-$1M	$5.8M
Pretax Income	—	-20.6%	+4.8%	—	$160.7M	$388.5M	-$347.1M	-$389.5M	-$245.3M	$510.1M	$661.6M	$199.1M	$161.1M	$3.5M	$100.3M	$160.2M	$314.4M	$122.4M	$68.3M	$226.3M	$228M	-$90M
Income Tax	—	-22.5%	+3.4%	-$16.9M	$28.1M	$76M	-$74.8M	-$84.4M	-$125.6M	$100.2M	$130.5M	$10.7M	$41.2M	-$9.2M	$20.1M	$47.6M	$99.9M	$30.6M	$6.6M	$63.8M	$59.5M	-$46.2M
Net Income	—	-19.0%	+5.3%	-$495.5M	$143.3M	$317.8M	-$272.1M	-$286.6M	-$123.7M	$409.9M	$531.1M	$190.1M	$120.9M	$16.8M	$85.7M	$114.5M	$217.7M	$103.4M	$74.5M	$177.9M	$164.7M	-$29.6M
Net Margin	—	—	—	—	2.99%	6.85%	-5.5%	-5.19%	-2.16%	7.87%	10.54%	5.1%	4.44%	0.67%	3.66%	5.21%	8.97%	4.2%	2.99%	6.73%	5.98%	-1.08%
Net Income Attributable to Noncontrolling Interests	—	—	—	-$9.1M	-$10.7M	-$5.3M	-$200K	$0	$0	—	—	—	—	—	—	—	—	—	—	—	—	—
Comprehensive Income	—	-20.4%	—	-$443.1M	$241.6M	$374.1M	-$118M	-$399.9M	-$175.5M	$754.3M	$845.4M	-$700K	$178.3M	$29.5M	-$12.7M	$201.9M	$40.3M	$158.1M	$175.1M	$276.5M	$334.5M	-$462.5M
EPS (Basic) USD/shares	—	-18.0%	+3.4%	-$8.31	$2.31	$4.95	-$4.25	-$4.50	-$1.92	$6.24	$8.04	$3.25	$2.34	$0.33	$1.65	$2.12	$3.81	$1.75	$1.23	$2.87	$2.64	$0.47
EPS (Diluted) USD/shares	—	-17.9%	+3.3%	-$8.30	$2.29	$4.91	-$4.25	-$4.50	-$1.92	$6.14	$7.96	$3.22	$2.33	$0.33	$1.65	$2.12	$3.80	$1.74	$1.23	$2.87	$2.64	-$0.47
Shares Outstanding (Basic Avg) shares	-1.0%	-1.1%	+1.9%	—	62.01M	64.18M	64.03M	63.83M	64.26M	65.64M	65.88M	58.15M	51.35M	51.16M	51.61M	53.76M	56.86M	58.86M	60.26M	61.68M	62.13M	—
Shares Outstanding (Diluted Avg) shares	-0.6%	-1.3%	+1.9%	—	62.61M	64.78M	64.03M	63.83M	64.26M	66.73M	66.55M	58.75M	51.58M	51.21M	51.68M	53.87M	56.98M	59M	60.37M	61.77M	62.16M	—

Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing. TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative.

Capital Returned to Shareholders

Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2008–FY2025: $1.07B in buybacks, $1.21B in dividends.

Debt Profile

Reported borrowing balances, repayment dates and agreement terms, with links to the underlying filings.

Read debt and covenant terms in your AI or your code through MCP and the API →

Reported debt balances

Each amount keeps its reported scope. Related balance-sheet measures appear under the borrowing they describe.

Reported balance	As of	Amount	Source
Long-term debt, including current maturities	2026-06-30	USD 944,500,000	10-Q filed 2026-08-05
Related accounting measures — not additional borrowing Carrying amounts can reflect issuance costs or discounts. Differences between these measures are not necessarily repayments due within a year. Noncurrent debt carrying amount USD 944,500,000

Instrument and agreement coverage is incomplete. Additional filings are awaiting review.

Covenants

Covenant terms have not yet been verified for this profile.

The balance figures do not establish whether covenants apply or whether the company complies with them.

Loans, facilities and notes

The instrument breakdown is not yet verified. Read the debt note in the linked report for borrowing terms and maturity conditions.

Price & Valuation

Multiples computed on the strict TTM/EV methodology — today's snapshot against peers, and each ratio recomputed as of past filing dates.

Valuation

EV/Revenue

0.64×

Peer median 1.19×

EV/EBIT

—

Peer median 7.24×

P/E (TTM)

—

Peer median 11.90×

Peer medians compare against the 34 similar-size Insurance - Property & Casualty companies (of 44 listed).

Valuation over time computed as of each quarter's filing date

Revenue Breakdown

Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.

Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.

By Segment (USD)

Component	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Specialty Property Casualty Insurance Segment	$4,145,800,000	$3,772,100,000	$3,806,900,000	$4,183,200,000	$4,076,100,000	$3,451,200,000	$3,192,900,000	$2,093,200,000
Life Insurance Segment 1	$583,200,000	$565,600,000	$581,500,000	$782,100,000	$764,600,000	$848,100,000	$858,600,000	$841,200,000
Preferred Property Casualty Insurance	—	—	$558,400,000	$640,500,000	$704,000,000	$726,000,000	$794,400,000	$792,500,000

Segment Operating Income

Annual operating income by business segment, as tagged in the company's own XBRL filings. Segments need not sum to the consolidated figure — corporate costs and eliminations are typically unallocated.

By Segment (USD)

Component	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017
Life and Health Insurance	$62,300,000	$78,000,000	$6,500,000	$71,200,000	$121,900,000	$115,900,000	$140,200,000
Preferred Property Casualty Insurance	-$22,800,000	-$36,400,000	-$39,800,000	$1,800,000	$52,300,000	$28,600,000	-$78,100,000
Specialty Property Casualty Insurance	-$76,300,000	-$196,900,000	-$292,100,000	$420,900,000	$355,900,000	$145,600,000	$80,500,000

Operating Margin by Segment (%)

Component	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Preferred Property Casualty Insurance	-4.1%	-5.7%	-5.7%	0.2%	6.6%	3.6%

Key facts CIK 860748 CUSIP 488401100 13F (30d) 80 filings 77 filers Visit website Investor relations