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KEMPER Corp

KMPR

$28.49 ▼ -1.34 (-4.48%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Neutral

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Analytical Summary

KEMPER Corp shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $1.8B

Dividend Yield 4.49%

Revenue Growth 3.3% ↗

Op. Margin 3.4% ↘

ROIC None

FCF / Share None

Trailing P/E 12.3x

Price / Book 0.6x

FCF Yield —

Debt / Equity 0.35

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$4.79B

↑ +3.3% —

Net Income Profit after all expenses

$143.30M

↓ -54.9% —

Operating Margin Operating profit as % of sales

3.4%

↓ -59.9% 38th

Long-Term Debt Long-term obligations

$943.50M

↓ -32.2% —

Health Breakdown

Profitability ↓

Returns

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.28 Latest / share

+3.2% YoY

+2.9% 11-yr CAGR

$0.96

FY 2014

$0.96

FY 2015

$0.96

FY 2016

$0.96

FY 2017

$0.96

FY 2018

$1.03

FY 2019

$1.20

FY 2020

$1.24

FY 2021

$1.24

FY 2022

$1.24

FY 2023

FY 2024

$1.28

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	3.3% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-46%)	-6.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-203%)	-10.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-275%)	-4.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-177%)	11.3% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+88%)	3.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-45%)	35.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+488%)	36.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+513%)	8.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+33%)	7.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+29%)	6.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+9%)	-9.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-258%)	-1.5% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-124%)	-1.3% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-122%)	-5.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-193%)	-4.0% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-166%)	0.4% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-94%)	—
EPS Growth YoY (%)	-53.3% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	5.6% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-140.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	-22.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	147.4% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	38.9% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	609.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-80.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-22.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-44.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	117.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	26.8% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-53.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	12.9% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	461.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—
Net Income Growth YoY (%)	-54.9% Weak ↑ Weak Improving Year-over-year change in net income	N/M	5.1% Fair ↑ Fair Improving Year-over-year change in net income	-137.8% Weak ↓ Weak Declining Year-over-year change in net income	N/M	-22.8% Weak ↓ Weak Declining Year-over-year change in net income	179.4% Excellent ↓ Excellent Declining Year-over-year change in net income	57.2% Excellent ↓ Excellent Declining Year-over-year change in net income	619.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-80.4% Weak ↓ Weak Declining Year-over-year change in net income	-25.2% Weak ↓ Weak Declining Year-over-year change in net income	-47.4% Weak ↓ Weak Declining Year-over-year change in net income	110.5% Excellent ↑ Excellent Improving Year-over-year change in net income	23.5% Good ↑ Good Improving Year-over-year change in net income	-54.7% Weak Weak Year-over-year change in net income	12.1% Fair Fair Year-over-year change in net income	N/M	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-4.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-7.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.1% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	15.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	24.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	26.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	16.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	7.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	1.3% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-1.7% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-4.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-2.8% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-3.6% Weak Weak Compound annual revenue growth over 3 years	-3.1% Weak Weak Compound annual revenue growth over 3 years	—	—	—
Revenue CAGR 5Y (%)	-1.7% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-1.6% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	5.8% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	15.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	18.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	17.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	18.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	9.0% Good ↑ Good Improving Compound annual revenue growth over 5 years	2.0% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	0.2% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-2.4% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-4.4% Weak Weak Compound annual revenue growth over 5 years	-2.4% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—
EPS CAGR 3Y (%)	—	—	—	—	—	38.7% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	189.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	25.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	3.3% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-55.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-1.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	15.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	8.5% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	-12.8% Weak Weak Compound annual EPS growth over 3 years	43.2% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	3.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-87%)	8.4% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	—	-3.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-112%)	-6.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-126%)	10.5% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	10.3% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-59%)	7.7% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	4.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	0.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-100%)	3.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-86%)	6.2% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-75%)	9.4% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	2.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-90%)	2.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-90%)	8.0% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	9.2% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	—
Effective Tax Rate (%) (%)	17.5% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.6% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	50.9% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.6% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	5.4% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.6% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-262.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.7% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.0% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.2% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	3.0% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-86%)	6.9% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	-5.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-125%)	-5.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-124%)	-2.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-109%)	7.9% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	10.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	5.1% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-77%)	4.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-80%)	0.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-97%)	3.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	5.2% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-76%)	9.0% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-59%)	4.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	3.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-85%)	7.0% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	6.0% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-73%)	-1.1% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-105%)
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-2.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	4.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	3.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	2.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	5.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-55%)	11.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-5%)	-10.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-191%)	-10.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-189%)	-3.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-125%)	9.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	13.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+11%)	6.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	5.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	0.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-93%)	4.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	—	—	—	—	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.35x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-71%)	0.50x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-58%)	0.55x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-54%)	0.52x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-57%)	0.28x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	0.26x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	0.20x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.30x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.28x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	0.38x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-68%)	0.38x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-69%)	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$77.24	$72.28	$77.22	$86.55	$90.14	$79.31	$76.49	$64.06	$53.04	$49.30	$45.36	$40.86	$42.68	$41.84	$41.40	$42.84	$44.29	—
Basic EPS, GAAP (USD)	$2.31	$4.95	$-4.25	$-4.50	$-1.87	$6.24	$8.04	$3.25	$2.34	$0.33	$1.65	$2.12	$3.81	$1.75	$1.38	$2.98	$2.64	$0.47
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.28	—	$1.24	$1.24	$1.24	$1.20	$1.03	$0.96	$0.96	$0.96	$0.96	$0.96	$0.96	$0.96	$0.96	$0.88	$1.07	$1.88
Book Value per Share (USD)	$45.71	$43.68	$39.08	$41.79	$62.93	$69.74	$59.59	$47.10	$41.11	$38.52	$38.82	—	—	—	—	—	—	—
Tangible Book Value per Share (USD)	$24.39	$24.09	$19.57	$21.44	$42.33	$47.82	$37.95	$29.92	$34.83	$32.22	$32.52	—	—	—	—	—	—	—
Basic Weighted Avg Shares (shares)	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	—
Dividend Payout Ratio (%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	400.0% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$943.50M	$1.39B	$1.39B	$1.39B	$1.12B	$1.17B	$778.40M	$909.00M	$592.30M	$751.60M	$750.60M	—	—	—	—	—	—	—
Total Equity (USD)	$2.68B	$2.79B	$2.51B	$2.67B	$4.01B	$4.56B	$3.97B	$3.05B	$2.12B	$1.98B	$1.99B	—	—	—	—	—	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$4.79B	$4.64B	$4.94B	$5.52B	$5.79B	$5.21B	$5.04B	$3.73B	$2.72B	$2.52B	$2.34B	$2.20B	$2.43B	$2.46B	$2.50B	$2.64B	$2.75B	$2.74B
Depreciation Expense (USD)	—	—	—	—	—	—	—	$15.60M	$13.10M	$13.60M	$13.50M	$16.00M	$17.40M	$15.30M	$10.90M	$14.50M	$16.60M	—
Net Income, GAAP (USD)	$143.30M	$317.80M	$-272.10M	$-286.60M	$-120.50M	$409.90M	$531.10M	$190.10M	$120.90M	$16.80M	$85.70M	$114.50M	$217.70M	$103.40M	$83.70M	$184.60M	$164.70M	$-29.60M
Operating Cash Flow (USD)	$584.50M	$382.90M	$-134.20M	$-210.30M	$350.70M	$448.00M	$534.30M	$539.20M	$240.60M	$240.50M	$215.00M	$133.60M	$122.10M	$65.70M	$-25.00M	$58.50M	$163.50M	$69.20M

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Premiums Earned (USD)	$4.40B	$4.22B	$4.53B	$5.21B	$5.25B	$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
Loss Ratio (%) (%)	—	—	—	—	—	—	—	72.9%	78.2%	80.2%	73.0%	67.8%	67.0%	75.1%	75.7%	71.9%	70.8%	74.3%

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 68 quarters

KEMPER Corp

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