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Kemper

KMPR

Kemper Corporation is a specialized insurance holding company that provides personalized property, casualty, and life insurance solutions.

Market cap
$1.64B-50.4%
Revenue$4.6B-4.5%
Net income-$487.5M-242%
Free cash flow$396.6M-28.0%
EPS (diluted)-$8.27-256%
Trailing twelve months · change vs. prior year

Earnings

Next report

Nov 4, 2026 (in 2 months)
Revenue estimate$1.1B
EPS estimate$0.55

Financials

Q2 2026

Income statement

See full
Revenue$1.1B-10.8%
Net income-$464.8M-740%
EPS (diluted)-$7.90-805%

Balance sheet

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Cash & equivalents$81.2M-54.1%
Total debt$944.5M-5.7%
Total equity$2.2B+493%
Total assets$11.9B-4.4%

Cash flow

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Operating cash flow$30.5M-66.0%
CapEx$11.4M+50.0%
Free cash flow$19.1M-76.7%

Valuation & ratios

Valuation

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Market cap$1.64B-50.4%
Enterprise value$2.5B-39.3%
P/S0.4×-0.3×

Profitability

See full
Net margin-10.7%-17.8pp
FCF margin8.7%-2.8pp

Returns & leverage

See full
Return on equity-38%-132pp
Debt / equity0.4×-2.3×

Segments

By segment

See full
Specialty Property & Casualty Insurance$951.6M-10.5%
Life Insurance$152.4M+4.7%

Competitors

Profile

Kemper Corporation is a specialized insurance holding company that provides personalized property, casualty, and life insurance solutions. The company primarily focuses on underserved markets, offering affordable coverage to individuals, families, and businesses through a vast network of independent agents and brokers. Its core value proposition centers on providing accessible insurance products to consumers who may have difficulty obtaining standard risk coverage.

Competitive position

A leading specialized insurer in the United States with a dominant presence in the California non-standard auto market.

GeographiesUnited States, California, Florida, Texas
Customer segmentsNon-standard risk consumers, Small and medium businesses, Retail consumers
Business modelB2B2C, Direct-to-Consumer, Commission-based distribution
SuppliersReinsurance providers, Actuarial data services, Capital markets
CustomersIndividual policyholders, Commercial vehicle operators, Small business owners
Listed1899
Employees8.1K
CEOStephen J. McAnena
Websitekemper.com
FilingsSEC EDGAR

FAQ

What is Kemper's market cap?
Kemper (KMPR) has a market capitalization of $1.6B and trades on NYSE.
What is Kemper's revenue and profitability?
Kemper generated $4.6B in trailing twelve-month revenue with a net loss of $487.5M, representing a net margin of -10.7%, with free cash flow of $396.6M. The latest reported period is Q2 2026.
Who are Kemper's competitors?
Kemper's key competitors include The Progressive Corporation, The Allstate Corporation, GEICO, and others. These companies compete in similar markets and product categories.
What subsidiaries does Kemper have?
Kemper's subsidiaries include Kemper Auto, Kemper Life, Kemper Reciprocal.
Where is Kemper headquartered?
Kemper is headquartered in United States of America and employs approximately 8,100 people. It has been publicly traded since 1899.