Kemper (KMPR) financial statements
Kemper reported revenue of $4.8B in fiscal 2025, up 7.4% a year over 9 years.
Net income was $143M.
Free cash flow was $554M, and the company returned $80M in dividends and $302M in net buybacks.
The diluted share count rose 22% over the period (dilution).
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from Kemper's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.5B | $2.7B | $3.7B | $5.0B | $5.2B | $5.7B | $5.5B | $4.9B | $4.6B | $4.8B |
| Operating income | $3M | $119M | $286M | $519M | $547M | -$334M | -$167M | -$69M | — | — |
| Interest expense | $44M | $35M | $43M | $42M | $36M | $44M | $55M | $56M | $57M | $38M |
| Pre-tax income | $4M | $161M | $199M | $662M | $510M | -$245M | -$390M | -$347M | $388M | $161M |
| Income tax | -$9M | $41M | $11M | $130M | $100M | -$126M | -$84M | -$75M | $76M | $28M |
| Net income | $17M | $121M | $190M | $531M | $410M | -$124M | -$287M | -$272M | $318M | $143M |
| EPS (diluted) | $0.33 | $2.33 | $3.22 | $7.96 | $6.14 | -$1.92 | -$4.50 | -$4.25 | $4.91 | $2.29 |
| Diluted shares | 51M | 52M | 59M | 67M | 67M | 64M | 64M | 64M | 65M | 63M |
| Operating margin | 0.1% | 4.4% | 7.7% | 10.3% | 10.5% | -5.8% | -3.0% | -1.4% | — | — |
| Net margin | 0.7% | 4.4% | 5.1% | 10.5% | 7.9% | -2.2% | -5.2% | -5.5% | 6.9% | 3.0% |
Balance sheet
Fiscal years, from Kemper's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and short-term investments | $116M | $46M | $361M | $608M | $206M | $148M | $491M | $585M | $1.1B | $438M |
| Receivables | $336M | $366M | $1.0B | $1.1B | $1.2B | $1.4B | $1.3B | $960M | $978M | $965M |
| Goodwill | $323M | $323M | $1.1B | $1.1B | $1.1B | $1.3B | $1.3B | $1.3B | $1.3B | $1.3B |
| Total assets | $8.2B | $8.4B | $11.5B | $13.0B | $14.3B | $14.9B | $13.3B | $12.7B | $12.6B | $12.5B |
| Long-term debt | — | — | — | — | — | — | — | $1.4B | $942M | $944M |
| Total liabilities | $6.2B | $6.3B | $8.5B | $9.0B | $9.8B | $10.9B | $10.6B | $10.2B | $9.8B | $9.8B |
| Shareholders' equity | $2.0B | $2.1B | $3.1B | $4.0B | $4.6B | -$850M | $241M | $2.5B | $2.8B | $2.7B |
| Net debt | -$116M | -$46M | -$75M | -$137M | -$206M | -$148M | -$212M | $1.3B | $1.3B | $819M |
Cash flow
Fiscal years, from Kemper's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $240M | $241M | $539M | $534M | $448M | $351M | -$210M | -$134M | $383M | $584M |
| Capital spending | — | $36M | $65M | $84M | $53M | $58M | $31M | $54M | $53M | $31M |
| Free cash flow | — | $205M | $474M | $450M | $395M | $293M | -$241M | -$188M | $330M | $554M |
| Stock-based compensation | $5M | $9M | $19M | $25M | $25M | $28M | $18M | $29M | $29M | $29M |
| Dividends paid | $49M | $50M | $56M | $68M | $79M | $81M | $80M | $80M | $80M | $80M |
| Share buybacks (net) | -$4M | $0 | $0 | $0 | -$110M | -$162M | $0 | $0 | -$39M | -$302M |
| Net borrowing | $0 | -$160M | $34M | -$135M | $396M | $0 | — | — | — | — |
| Free cash flow margin | — | 7.5% | 12.7% | 8.9% | 7.6% | 5.1% | -4.4% | -3.8% | 7.1% | 11.6% |
| Dividends per share | $0.96 | $0.96 | $0.96 | $1.02 | $1.18 | $1.25 | $1.25 | $1.25 | $1.24 | $1.27 |
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Open KMPR in InvestinglyQuestions
What was Kemper's revenue in 2025?
$4.8B in fiscal 2025, from its 10-K filing.
How much free cash flow does Kemper generate?
$554M in fiscal 2025 (operating cash flow minus capital spending).
From Kemper's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.