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Kemper KMPR Q3 2025 earnings

Reported November 5, 2025 · After market close

Revenue$1.2BBeat by $19.7M
EPS$0.33Miss by $1.00
Revenue estimate$1.2B
EPS estimate$1.33

Next report

Aug 5, 2026 (In 1 week)
Revenue estimate$1.2B
EPS estimate$0.32

Financials

Q3 2025

Income statement

See full
Revenue$1.2B+5.2%
Net income-$21.0M-128%
EPS (diluted)-$0.34-130%

Balance sheet

See full
Cash & equivalents$107.4M+88.8%
Total debt$1.0B-30.4%
Total equity$2.7B-1.5%
Total assets$12.4B-1.5%

Cash flow

See full
Operating cash flow$139.9M-1.4%
CapEx$6.5M-38.1%
Free cash flow$133.4M+1.5%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$3.23B-18.0%
Enterprise value$4.13B-22.5%
P/E13×—
P/S0.7×-0.2×

Profitability

See full
Net margin5.1%—
FCF margin11.4%+8.8pp

Returns & leverage

See full
Return on equity9%—
Debt / equity0.4×-0.2×

Segments

By segment

See full
Specialty Property & Casualty Insurance$1.1B—
Life Insurance$148.2M—

Versus estimates

Revenue

Q1 2026$1.1BMiss by $62.9MQ4 2025$1.1BMiss by $53.0M
Q3 2025$1.2BBeat by $19.7M
Q2 2025$1.2BMiss by $46.8MQ1 2025$1.2BMiss by $13.3MQ4 2024$1.2BBeat by $19.7M

Diluted EPS

Q1 2026$0.21Miss by $0.60Q4 2025$0.25Miss by $0.60
Q3 2025$0.33Miss by $1.00
Q2 2025$1.30Miss by $0.22Q1 2025$1.65Beat by $0.17Q4 2024$1.78Beat by $0.40

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Questions, answered.

When did Kemper report Q3 2025 earnings?
Kemper (KMPR) reported Q3 2025 earnings on November 5, 2025 after market close.
What were Kemper's Q3 2025 revenue and EPS?
Kemper reported revenue of $1.2B and eps of $0.33 for Q3 2025.
Did Kemper beat estimates in Q3 2025?
Revenue beat the consensus estimate of $1.2B by $19.7M. EPS missed the consensus estimate of $1.33 by $1.00.
How did Kemper's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 4.8% from $1.2B a year earlier and eps declined 79.6% from $1.62.
Where can I find Kemper's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000860748-25-000213) and the 10-Q periodic report (0000860748-25-000214) directly on SEC EDGAR. The filing index links above go to sec.gov.