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Stocks · Financials · Fire, Marine & Casualty Insurance

KEMPER Corp

KMPB Clue Score49
United States Fiscal year ends December CIK 0000860748
$24.72 +0.08% Close, 9 Oct 2026
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Price $24.72 +31.00% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 14 Mar 2022. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2016Revenue2.52Operating income0.00Net income0.02EPS, diluted0.33Fiscal year 2017Revenue2.72 +8.0%Operating income0.12Net income0.12 +619.6%EPS, diluted2.33 +606.1%Fiscal year 2018Revenue3.73 +36.8%Operating income0.29Net income0.19 +57.2%EPS, diluted3.22 +38.2%Fiscal year 2019Revenue5.04 +35.3%Operating income0.52Net income0.53 +179.4%EPS, diluted7.96 +147.2%Fiscal year 2020Revenue5.21 +3.3%Operating income0.55Net income0.41 −22.8%EPS, diluted6.14 −22.9%Fiscal year 2021Revenue5.72 +9.9%Operating income−0.33Net income−0.12 −130.2%EPS, diluted−1.92 −131.3%Fiscal year 2022Revenue5.52 −3.4%Operating income−0.17Net income−0.29EPS, diluted−4.50Fiscal year 2023Revenue4.94 −10.5%Operating income−0.07Net income−0.27EPS, diluted−4.25Fiscal year 2024Revenue4.64 −6.2%Net income0.32EPS, diluted4.91Fiscal year 2025Revenue4.79 +3.3%Net income0.14 −54.9%EPS, diluted2.29 −53.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 2.52 2.72 3.73 5.04 5.21 5.72 5.52 4.94 4.64 4.79
Growth +8.0% +36.8% +35.3% +3.3% +9.9% −3.4% −10.5% −6.2% +3.3%
Operating income 0.00 0.12 0.29 0.52 0.55 −0.33 −0.17 −0.07 n/a n/a
Net income 0.02 0.12 0.19 0.53 0.41 −0.12 −0.29 −0.27 0.32 0.14
Growth +619.6% +57.2% +179.4% −22.8% −130.2% −54.9%
EPS, diluted 0.33 2.33 3.22 7.96 6.14 −1.92 −4.50 −4.25 4.91 2.29
Growth +606.1% +38.2% +147.2% −22.9% −131.3% −53.4%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Operating marginNet margin
Fiscal year 2016Operating margin0.1%Net margin0.7%Fiscal year 2017Operating margin4.4%Net margin4.4%Free cash flow margin7.5%Fiscal year 2018Operating margin7.7%Net margin5.1%Free cash flow margin12.7%Fiscal year 2019Operating margin10.3%Net margin10.5%Free cash flow margin8.9%Fiscal year 2020Operating margin10.5%Net margin7.9%Free cash flow margin7.6%Fiscal year 2021Operating margin−5.8%Net margin−2.2%Free cash flow margin5.1%Fiscal year 2022Operating margin−3.0%Net margin−5.2%Free cash flow margin−4.4%Fiscal year 2023Operating margin−1.4%Net margin−5.5%Free cash flow margin−3.8%Fiscal year 2024Net margin6.9%Free cash flow margin7.1%Fiscal year 2025Net margin3.0%Free cash flow margin11.6%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating margin 0.1% 4.4% 7.7% 10.3% 10.5% −5.8% −3.0% −1.4% n/a n/a
Net margin 0.7% 4.4% 5.1% 10.5% 7.9% −2.2% −5.2% −5.5% 6.9% 3.0%
Free cash flow margin n/a 7.5% 12.7% 8.9% 7.6% 5.1% −4.4% −3.8% 7.1% 11.6%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.24Buybacks−0.00Dividends paid−0.05Fiscal year 2017Operating cash flow0.24Capital expenditure−0.04Free cash flow0.21Buybacks0.00Dividends paid−0.05Fiscal year 2018Operating cash flow0.54Capital expenditure−0.07Free cash flow0.47 +131.1%Buybacks0.00Dividends paid−0.06Fiscal year 2019Operating cash flow0.53Capital expenditure−0.08Free cash flow0.45 −5.0%Buybacks0.00Dividends paid−0.07Fiscal year 2020Operating cash flow0.45Capital expenditure−0.05Free cash flow0.39 −12.4%Buybacks−0.11Dividends paid−0.08Fiscal year 2021Operating cash flow0.35Capital expenditure−0.06Free cash flow0.29 −25.8%Buybacks−0.16Dividends paid−0.08Fiscal year 2022Operating cash flow−0.21Capital expenditure−0.03Free cash flow−0.24 −182.3%Buybacks0.00Dividends paid−0.08Fiscal year 2023Operating cash flow−0.13Capital expenditure−0.05Free cash flow−0.19Buybacks0.00Dividends paid−0.08Fiscal year 2024Operating cash flow0.38Capital expenditure−0.05Free cash flow0.33Buybacks−0.04Dividends paid−0.08Fiscal year 2025Operating cash flow0.58Capital expenditure−0.03Free cash flow0.55 +68.0%Buybacks−0.30Dividends paid−0.08
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.24 0.24 0.54 0.53 0.45 0.35 −0.21 −0.13 0.38 0.58
Capital expenditure n/a −0.04 −0.07 −0.08 −0.05 −0.06 −0.03 −0.05 −0.05 −0.03
Free cash flow n/a 0.21 0.47 0.45 0.39 0.29 −0.24 −0.19 0.33 0.55
Growth +131.1% −5.0% −12.4% −25.8% −182.3% +68.0%
Buybacks −0.00 0.00 0.00 0.00 −0.11 −0.16 0.00 0.00 −0.04 −0.30
Dividends paid −0.05 −0.05 −0.06 −0.07 −0.08 −0.08 −0.08 −0.08 −0.08 −0.08

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Total debt0.75Shareholders’ equity1.98Debt to equity0.38Fiscal year 2017Cash0.05Total debt0.59Net cash (debt)−0.55Shareholders’ equity2.12Debt to equity0.28Fiscal year 2018Cash0.08Total debt0.91Net cash (debt)−0.83Shareholders’ equity3.05Debt to equity0.30Fiscal year 2019Cash0.14Total debt0.78Net cash (debt)−0.64Shareholders’ equity3.97Debt to equity0.20Fiscal year 2020Cash0.21Total debt1.17Net cash (debt)−0.97Shareholders’ equity4.56Debt to equity0.26Fiscal year 2021Cash0.15Total debt1.12Net cash (debt)−0.97Shareholders’ equity−0.85Fiscal year 2022Cash0.21Total debt1.39Net cash (debt)−1.17Shareholders’ equity0.24Debt to equity5.75Fiscal year 2023Cash0.06Total debt1.39Net cash (debt)−1.33Shareholders’ equity2.51Debt to equity0.55Fiscal year 2024Cash0.07Total debt1.39Net cash (debt)−1.33Shareholders’ equity2.79Debt to equity0.50Fiscal year 2025Cash0.13Total debt0.94Net cash (debt)−0.82Shareholders’ equity2.68Debt to equity0.35
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash n/a 0.05 0.08 0.14 0.21 0.15 0.21 0.06 0.07 0.13
Total debt 0.75 0.59 0.91 0.78 1.17 1.12 1.39 1.39 1.39 0.94
Net cash (debt) n/a −0.55 −0.83 −0.64 −0.97 −0.97 −1.17 −1.33 −1.33 −0.82
Shareholders’ equity 1.98 2.12 3.05 3.97 4.56 −0.85 0.24 2.51 2.79 2.68
Debt to equity 0.38 0.28 0.30 0.20 0.26 n/a 5.75 0.55 0.50 0.35

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In billions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
2.52 2.72 3.73 5.04 5.21 5.72 5.52 4.94 4.64 4.79
Growth +8.0% +36.8% +35.3% +3.3% +9.9% −3.4% −10.5% −6.2% +3.3%
0.00 0.12 0.29 0.52 0.55 −0.33 −0.17 −0.07 n/a n/a
Growth +3,735.5% +140.7% +81.3% +5.4% −161.1%
0.00 0.16 0.20 0.66 0.51 −0.25 −0.39 −0.35 0.39 0.16
−0.01 0.04 0.01 0.13 0.10 −0.13 −0.08 −0.07 0.08 0.03
0.02 0.12 0.19 0.53 0.41 −0.12 −0.29 −0.27 0.32 0.14
Growth +619.6% +57.2% +179.4% −22.8% −130.2% −54.9%
Per share
0.33 2.34 3.25 8.04 6.24 −1.92 −4.50 −4.25 4.95 2.31
0.33 2.33 3.22 7.96 6.14 −1.92 −4.50 −4.25 4.91 2.29
Growth +606.1% +38.2% +147.2% −22.9% −131.3% −53.4%
51.2 51.3 58.1 65.9 65.6 64.3 63.8 64.0 64.2 62.0
51.2 51.6 58.8 66.5 66.7 64.3 63.8 64.0 64.8 62.6
Growth +0.7% +13.9% +13.3% +0.3% −3.7% −0.7% +0.3% +1.2% −3.3%

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue shrank 1.7% a year over five years, and earnings per share fell 17.9% a year.
  • The diluted share count fell 6.2% in five years, so buybacks did some of the work per share.
  • A net loss in 3 of 10 years on file.