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Kemper KMPR Q4 2025 Annual earnings

Reported February 4, 2026 · After market close

Revenue$1.1BMiss by $53.0M
EPS$0.25Miss by $0.60
Revenue estimate$1.2B
EPS estimate$0.85

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$1.1B-4.7%
Net income--100%
EPS (diluted)$0.00-100%

Balance sheet

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Cash & equivalents$124.3M+93.0%
Total debt$1.0B-30.4%
Total equity$2.7B-3.8%
Total assets$12.5B-1.2%

Cash flow

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Operating cash flow$175.0M-0.1%
CapEx$8.8M-9.3%
Free cash flow$166.2M+0.5%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$2.37B-44.2%
Enterprise value$3.25B-42.2%
P/E15.7×+2.3×
P/S0.5×-0.4×

Profitability

See full
Net margin3.2%-3.7pp
FCF margin11.6%+4.5pp

Returns & leverage

See full
Return on equity5.5%-6.5pp
Debt / equity0.4×-0.1×

Segments

By segment

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Specialty Property & Casualty Insurance$995.1M-1.1%
Life Insurance$140.7M-0.3%

FAQ

When did Kemper report Q4 2025 earnings?
Kemper (KMPR) reported Q4 2025 earnings on February 4, 2026 after market close.
What were Kemper's Q4 2025 revenue and EPS?
Kemper reported revenue of $1.1B and eps of $0.25 for Q4 2025.
Did Kemper beat estimates in Q4 2025?
Revenue missed the consensus estimate of $1.2B by $53.0M. EPS missed the consensus estimate of $0.85 by $0.60.
How did Kemper's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 4.4% from $1.2B a year earlier and eps declined 86.0% from $1.78.
Where can I find Kemper's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000860748-26-000006) and the 10-K periodic report (0000860748-26-000014) directly on SEC EDGAR. The filing index links above go to sec.gov.