KMPRNYSEFire, Marine & Casualty InsuranceFiscal year ends December 31Also trades as KMPB
KEMPER Corp
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 5, 2026
$29.95+0.68 (+2.32%)
Close on Oct 19, 2026
- Market cap
- $1.76B
- P/E (TTM)
- –
- Dividend yield
- 4.27%
Margins
Share of revenue, fiscal years 2011 to 2025
Operating margin
–
Net margin
3.0%−4.9 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +3.3% | -4.6% | -1.7% | +7.4% | |
| Net income | -54.9% | – | -19.0% | +5.3% | |
| EPS, diluted | -53.4% | – | -17.9% | +3.3% | |
| Free cash flow | +68.0% | – | +7.0% | – | |
| Dividend per share | +3.2% | +1.1% | +1.3% | +2.9% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 0.8% | 9.6% | 5.2% | |
| Return on assets | 0.2% | 3.0% | 1.1% | |
| Debt to equity | – | – | 0.35 | |
| Interest coverage | 0.1× | 15.2× | – | |
| Capex to revenue | – | 1.0% | 0.6% | |
| Diluted shares | 51M | 67M | 63M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Kemper generated $1.66B from operations and spent $1.13B on capital expenditure, dividends and share buybacks. 20% of that went back into the business.
Generated
$1.66B
Used
$1.13B
Capital expenditure$226.20M20%Dividends$400.10M35%Share buybacks$502.50M45%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin3.0%
×Asset turnover0.38×
×Equity multiplier4.59×
=Return on equity, FY20255.2%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 3.0% | 0.38× | 4.59× | 5.2% |
| FY2024 | 6.9% | 0.37× | 4.79× | 12.0% |
| FY2023 | -5.5% | 0.38× | 9.49× | -19.8% |
| FY2022 | -5.2% | 0.39× | -46.39× | 94.2% |
| FY2021 | -2.2% | 0.39× | 7.88× | -6.7% |
| FY2020 | 7.9% | 0.38× | 3.20× | 9.6% |
| FY2019 | 10.5% | 0.41× | 3.49× | 15.1% |
| FY2018 | 5.1% | 0.37× | 3.86× | 7.4% |
| FY2017 | 4.4% | 0.33× | 4.05× | 5.9% |
| FY2016 | 0.7% | 0.31× | 4.09× | 0.8% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 7 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$143.30M
- Cash generatingOperating cash flow above zero$584.50M
- Return on assets improvedROA up on the prior year2.5% → 1.1%
- Earnings backed by cashOperating cash flow above net income$584.50M vs $143.30M
- Less leverageLong-term debt to assets fell7.5% → 7.6%
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise65M → 63M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.36 → 0.38