Logo

KMPR

Kemper Corporation

KMPR

Kemper Corporation • NYSE
$40.72 ▼ -0.90% (-0.37)
Market Cap $2.58 B
52w High $72.25
52w Low $33.91
Dividend Yield 1.28%
P/E 10.49
Volume 420.00K
Outstanding Shares 63.28M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $1.236B ▲ $32.6M ▲ $-21M ▼ -1.699% ▼ $-0.34 ▼ $11.7M ▼
Q2-2025 $1.228B ▲ $13.3M ▼ $72.6M ▼ 5.913% ▼ $1.13 ▼ $109.5M ▼
Q1-2025 $1.19B ▲ $16.8M ▲ $99.7M ▲ 8.378% ▲ $1.56 ▲ $143.7M ▼
Q4-2024 $1.183B ▲ $-294.7M ▼ $97.4M ▲ 8.231% ▲ $1.53 ▲ $146.8M ▲
Q3-2024 $1.169B $169.6M $73.7M 6.304% $1.15 $118.2M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $496.1M ▼ $12.443B ▼ $9.722B ▲ $2.732B ▼
Q2-2025 $599.5M ▼ $12.601B ▲ $9.656B ▲ $2.953B ▲
Q1-2025 $692.3M ▼ $12.467B ▼ $9.556B ▼ $2.918B ▲
Q4-2024 $1.131B ▲ $12.63B ▼ $9.846B ▼ $2.788B ▲
Q3-2024 $777.8M $12.873B $10.103B $2.773B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $-24.2M ▼ $139.9M ▲ $52M ▲ $-261.5M ▼ $-69.6M ▼ $133.4M ▲
Q2-2025 $69.8M ▼ $89.6M ▼ $10.3M ▼ $-38.3M ▲ $61.6M ▲ $82M ▼
Q1-2025 $97M ▲ $180M ▲ $351.1M ▲ $-481.1M ▼ $50M ▲ $172.3M ▼
Q4-2024 $95.7M ▲ $175.1M ▲ $-154.8M ▼ $-11.8M ▲ $8.5M ▲ $218.6M ▲
Q3-2024 $72.2M $141.9M $-122.2M $-70.2M $-50.5M $131.4M

Revenue by Products

Product Q4-2023Q1-2024Q2-2024Q3-2024
Life and Health Insurance
Life and Health Insurance
 $0 ▲$140.00M ▲$130.00M ▼$150.00M ▲
Specialty Property Casualty Insurance
Specialty Property Casualty Insurance
 $740.00M ▲$880.00M ▲$910.00M ▲$970.00M ▲
Preferred Property Casualty Insurance
Preferred Property Casualty Insurance
 $80.00M ▲$110.00M ▲$0 ▼$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Kemper’s income statement shows a company coming out of a difficult stretch. Revenue has been relatively steady over the years with some softening recently, but the big story is profits. After several years of losses, both operating income and net income have turned clearly positive again in the most recent period. That suggests underwriting and pricing changes are starting to work. However, the path has been quite volatile, so one strong year after several weak ones still needs to prove it can be sustained over a full cycle.

Balance Sheet

Balance Sheet The balance sheet looks stable but still in recovery mode. Overall assets have drifted slightly lower, and cash remains a small portion of total resources, which is normal for an insurer that holds most value in investments. Debt has been steady, not clearly rising, which helps keep financial risk contained. Equity, however, was significantly reduced during the loss years and only recently started to rebuild. Capital strength is headed in the right direction again, but the cushion is thinner than it was a few years ago, so continued profitability will be important.

Cash Flow

Cash Flow Cash flows tell a similar turnaround story. A few years ago, operations generated healthy cash, then slipped into negative territory during the tougher underwriting period. More recently, operating cash flow has moved back into solidly positive territory, and free cash flow has improved as well. Capital spending is modest and consistent, so swings in cash are mainly about the quality of the insurance and investment results. The latest figures indicate healthier cash generation, but the prior volatility is a reminder that performance can fluctuate meaningfully in this business.

Competitive Edge

Competitive Edge Kemper competes as a specialized insurer, with a strong focus on non-standard auto and other underserved markets. This niche strategy gives it expertise where many large generalist insurers are less focused, which can support pricing power and customer loyalty. Its wide network of independent agents provides broad reach and local presence, an advantage in working with higher-touch customer segments. At the same time, the company operates in intensely competitive lines where claim trends, regulation, and pricing pressure can shift quickly. Larger national players and direct-to-consumer insurers remain constant threats if they decide to lean into the same segments.

Innovation and R&D

Innovation and R&D For an insurer, Kemper appears reasonably active on the innovation front. It is investing in digital tools like mobile apps and online portals to simplify policy management and claims, and using telematics to offer usage-based auto coverage tied to driving behavior. Partnerships with technology providers and increased use of data analytics aim to sharpen underwriting and claims handling. Future efforts seem likely to deepen digital distribution, refine pricing, and potentially expand offerings into newer risk areas. The key uncertainty is execution: turning these initiatives into sustained underwriting advantages and better customer retention over time.

Summary

Overall, Kemper looks like a niche insurer that went through a tough multi-year period but is now showing signs of a financial and operational rebound. Profitability and cash flow have improved, and equity is slowly rebuilding, though past losses have left the capital base thinner than before. Its competitive strength lies in specialized markets, deep relationships with independent agents, and growing use of data and digital tools, balanced against the inherent volatility and competition in non-standard auto and related lines. Going forward, the main things to watch are the durability of the recent profit recovery, trends in claims costs, the company’s capital strength, and how effectively it turns its technology and niche focus into consistent, more stable results.

NEWS

November 5, 2025 · 4:05 PM UTC

Kemper Reports Third Quarter 2025 Operating Results*

Read more

November 5, 2025 · 9:00 AM UTC

Kemper Announces Quarterly Dividend

Read more

October 27, 2025 · 4:05 PM UTC

Kemper Announces Schedule for Third Quarter 2025 Earnings Release

Read more

October 15, 2025 · 7:01 AM UTC

Kemper Announces Leadership Transition

Read more