Where do Kemper's ratios come from?

Every ratio is computed from Kemper's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

Kemper KMPR Ratios & Valuation

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY

Simplified Detailed

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	3.2%-3.7pp	6.9%—	——	-5.2%-3.0pp
EBITDA margin	5.1%-5.6pp	10.7%+13.7pp	-3%—	——
Free cash flow margin	11.6%+4.5pp	7.1%+10.9pp	-3.8%+0.6pp	-4.4%-9.5pp
Returns
Return on equity	5.5%-6.5pp	12%—	——	——
Return on assets	1.2%-1.3pp	2.5%—	——	-2%-1.2pp
Return on invested capital	4.5%-4.4pp	8.9%+16.5pp	-7.6%—	——
Efficiency
Asset turnover	0.4×0.0×	0.4×0.0×	0.4×0.0×	0.4×0.0×
Leverage
Debt-to-equity	0.4×-0.1×	0.5×-0.1×	0.6×-5.5×	6.1×—
Debt-to-assets	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×
Net debt / EBITDA	3.6×+0.8×	2.8×—	——	——
Per Share
Book value per share	$42.83-0.5%	$43.05+10.0%	$39.13+936%	$3.78—
Valuation
Market capitalization	$2.37B-44.2%	$4.26B+36.4%	$3.12B-0.8%	$3.14B-15.7%
Enterprise value	$3.25B-42.2%	$5.63B+25.0%	$4.51B+2.6%	$4.39B-8.3%
Price / earnings	15.7×+2.3×	13.4×—	——	——
Price / sales	0.5×-0.4×	0.9×+0.3×	0.6×+0.1×	0.6×-0.1×
Price / book	0.9×-0.6×	1.5×+0.3×	1.2×-11.8×	13×—
EV / EBITDA	13.2×+1.9×	11.3×—	——	——
EV / sales	0.7×-0.5×	1.2×+0.3×	0.9×+0.1×	0.8×0.0×
Free cash flow yield	23.3%+15.6pp	7.7%+13.8pp	-6%+1.6pp	-7.7%-15.5pp
Earnings yield	6.4%-1.1pp	7.5%—	——	-9.1%-5.8pp
Dividend yield	3.4%+1.5pp	1.9%-0.7pp	2.6%0.0pp	2.5%+0.4pp

Chart any of these lines over time, or line them up against competitors.

Compare these in charts →

Questions, answered.

Where do Kemper's ratios come from?: Every ratio is computed from Kemper's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.