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Kemper Corporation

Kemper Corporation

NYSE•KMPR
CEO: Mr. Joseph Patrick Lacher Jr.
Sector: Financial Services
Industry: Insurance - Property & Casualty
Listing Date: 1990-04-23
Kemper Corporation, a diversified insurance holding company, engages in the provision of insurance products to individuals and businesses in the United States. The company operates through three segments: Specialty Property & Casualty Insurance, Preferred Property & Casualty Insurance, and Life & Health Insurance. It provides preferred and specialty automobile, homeowners, renters, fire, umbrella, general liability, and various other property and casualty insurance to individuals, as well as commercial automobile insurance to businesses. The company also offers life insurance, including permanent and term insurance; and supplemental accident and health insurance products, such as Medicare supplement insurance, fixed hospital indemnity, home health care, specified disease, and accident-only plans to individuals in rural, suburban, and urban areas. It distributes its products through independent agents and brokers. The company was formerly known as Unitrin, Inc. and changed its name to Kemper Corporation in August 2011. Kemper Corporation was incorporated in 1990 and is headquartered in Chicago, Illinois.
Contact Information
200 East Randolph Street, Suite 3300, Chicago, IL, 60601, United States
312-661-4600
www.kemper.com
Market Cap
$2.61B
P/E (TTM)
10.4
12.2
Dividend Yield
3.1%
52W High
$72.25
52W Low
$33.91
52W Range
19%
Rank49Top 53.8%
3.6
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.6 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$1.24B+4.83%
4-Quarter Trend

EPS

-$0.34-129.56%
4-Quarter Trend

FCF

$133.40M+1.52%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Total Revenues Growth Total Revenues reached $3.66B USD for nine months, up $206.5M versus prior year, driven by higher earned premiums.
Life Insurance Profitability Rises Life segment Adjusted Net Operating Income rose to $48.4M USD for nine months, an increase of $21.7M compared to 2024.
Cash Position Strengthened Ending cash balance $107.4M USD, significantly higher than $56.9M USD reported at the end of the prior year period.

Risk Factors

P&C Underwriting Deterioration Specialty P&C segment income dropped $90.6M USD for nine months due to higher loss ratios and adverse development.
Adverse Reserve Development $66.2M USD adverse prior year development in P&C reserves, primarily driven by Commercial Automobile bodily injury claims.
Non-Core Impairment Charge Recognized $21.7M USD impairment charge on Internal-Use Software assets within the Non-Core Operations segment results.

Outlook

Debt Refinancing Completed Successfully redeemed $450.0M USD of 4.350% Senior Notes during the first quarter of 2025, reducing interest expense.
Increased Share Repurchases Increased common stock repurchases to $251.3M USD used in financing activities for the nine months ended September 30, 2025.
Operational Efficiency Program Restructuring program launched in Q3 2025 targeting operational efficiencies across the organization through 2027 timeline.

Peer Comparison

Revenue (TTM)

Banco Macro S.A.BMA
$4.82B
-19.2%
Kemper CorporationKMPR
$3.72B
-19.8%
Fulton Financial CorporationFULT
$1.90B
+11.1%

Gross Margin (Latest Quarter)

Hercules Capital, Inc.HTGC
85.8%
-4.0pp
WSFS Financial CorporationWSFS
73.3%
+4.7pp
Banco Macro S.A.BMA
52.4%
-18.7pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
BMA$5.55B17.611.5%7.3%
FULT$3.62B14.02.5%0.0%
HTGC$3.42B17.99.1%0.4%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
171.6%
Strong Growth
4Q Net Income CAGR
N/M
Profitability Shift
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Feb 4, 2026
|
EPS:$0.85
|
Revenue:-
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 5, 2025|
    Revenue: $1.24B+4.8%
    |
    EPS: $-0.34-129.6%
    Miss

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 5, 2025|
    Revenue: $1.23B+8.7%
    |
    EPS: $1.13-3.4%
    Miss

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 7, 2025|
    Revenue: $1.19B+4.2%
    |
    EPS: $1.56+40.5%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 7, 2025|
    Revenue: $4.63B-93.5%
    |
    EPS: $4.95+216.5%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Oct 30, 2024|
    Revenue: $1.18B-1.7%
    |
    EPS: $1.15-138.6%
    Miss

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 5, 2024|
    Revenue: $1.13B-10.3%
    |
    EPS: $1.17-177.0%
    Miss

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 1, 2024|
    Revenue: $1.14B-11.5%
    |
    EPS: $1.11-188.8%
    Meet

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 7, 2024|
    Revenue: $4.91B-11.9%
    |
    EPS: $-4.25+10.0%
    Miss