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Kemper KMPR Pre-Tax Income

Discontinued — last reported Q4 '25

Pre-Tax Income at other companies

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Mercury GeneralMCY
$235.65M+266%
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$3.57B+10.2%
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$3.29B+128%
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Berkshire HathawayBRK.B
$32.06B+117%
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Horace Mann EducatorsHMN
$49M+34.2%
Old Republic International logo
Old Republic InternationalORI
$410.2M+57.7%

Other financials

Income statement

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Revenue$1.1B-10.8%
Operating income$132.4M+440%
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

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Market cap$1.55B-51.3%
Enterprise value$2.42B-39.9%
P/S0.3×-0.3×

Profitability

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

Returns & leverage

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

Where this comes from

Reported directly by Kemper in its filing.

Tagged under the XBRL concept us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest.

The source filing: Kemper’s 10-K, filed February 11, 2026.

Filed
Feb 10, 2026, 7:00 PM EST
Fiscal year
FY2025
Accession
0000860748-26-000014
DOLLARS IN MILLIONS2025 / Amount2025 / Rate2024 / Amount2024 / Rate2023 / Amount2023 / Rate
United States$93.8$469.3$(490.1)
Bermuda66.9(80.8)143.0
Income (Loss) from Continuing Operations before Tax$160.7$388.5$(347.1)
Statutory Federal Income Tax (Expense) Benefit$33.721.0%$81.621.0%$(72.9)21.0%
State and Local Income Tax Expense (Benefit), net of Federal Income Tax Effect 11.71.10.60.21.1(0.3)
Foreign Tax Effects:
Bermuda
Tax Rate Difference between Bermuda and United States(4.0)(2.5)17.04.4(30.0)8.6

Item 8. Financial Statements and Supplementary Data.

FAQ

What is Kemper's pre-tax income?
Kemper (KMPR) reported pre-tax income of $40.18M in Q4 2025.
How has Kemper's pre-tax income changed year-over-year?
Kemper's pre-tax income decreased by 58.6% year-over-year, from $97.13M to $40.18M.
What is the long-term trend for Kemper's pre-tax income?
Over 2 years (2023 to 2025), Kemper's pre-tax income has grown at a -32.0% compound annual growth rate (CAGR), from -$347.1M to $160.7M.
What does pre-tax income mean?
Total income from all sources — operating income plus non-operating items like interest income, investment gains, and other income — before the provision for income taxes.

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