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Kemper Corporation, an insurance holding company, provides insurance products in the United States. It operates in two segments, Specialty Property & Casualty Insurance, and Life Insurance. The Specialty Property & Casualty Insurance segment primarily offers specialty personal automobile and commercial automobile insurance through independent agents and brokers. The Life Insurance segment primarily provides individual life, accident, supplemental health, and property insurance. The company was formerly known as Unitrin, Inc. and changed its name to Kemper Corporation in August 2011. Kemper Corporation was incorporated in 1990 and is headquartered in Chicago, Illinois.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $4.8B | - | $143M | $554M | 5.3% | 3.2% | -54.9% |
| 2024 | $4.6B | - | $318M | $330M | 11.4% | -6.2% | -216.8% |
| 2023 | $4.9B | - | $-272M | $-188M | -10.9% | -9.4% | -5.1% |
| 2022 | $5.5B | - | $-287M | $-241M | -10.7% | - | - |
| 2021 | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 5,450.50 | 4,940.80 | 4,632.70 | 4,782.90 |
| EBIT | - | -316.30 | -291 | 445.40 | 199.20 |
| Pretax Income | - | -371 | -347.10 | 388.50 | 160.70 |
| Tax Provision | - | -84.40 | -74.80 | 76 | 28.10 |
| Net Income | - | -286.60 | -272.10 | 317.80 | 143.30 |
| Net Income Common Stockholders | - | -286.60 | -272.10 | 317.80 | 143.30 |
| Total Expenses | - | 5,821.50 | 5,258.80 | 4,244.20 | 4,622.20 |
| Interest Expense | - | 54.70 | 56.10 | 56.90 | 38.50 |
| Interest Income | - | 296.30 | 327.70 | 320.70 | 317.40 |
| Selling General And Administration | 339.50 | 358.40 | 342.80 | -2.60 | - |
| Normalized Income | - | -235.12 | -86.10 | 348.45 | 174.57 |
| Market Cap | 1,929.66 | 1,929.66 | 1,929.66 | 1,929.66 | 1,929.66 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Kemper Corporationthis co. | KMPR | $2.0B | 13.47↑ premium | 0.72 | 5.3% | - |
| Enterprise Financial Services Corp | EFSC | $2.1B | 10.86 | 1.08 | 9.9% | - |
| Pathward Financial, Inc. | CASH | $2.1B | 10.10 | 2.19 | 21.7% | - |
| OFG Bancorp | OFG | $2.0B | 9.38 | 1.38 | 14.8% | - |
| Skyward Specialty Insurance Group, Inc. | SKWD | $2.0B |
| - |
| - |
| - |
| - |
| - |
| 11.00 |
| 1.80 |
| 16.8% |
| 6.94 |
| Banco Latinoamericano de Comercio Exterior, S. A. | BLX | $2.0B | 8.77 | 1.19 | 13.5% | - |
| Patria Investments Limited | PAX | $2.0B | 18.34 | 3.19 | 14.6% | 12.28 |
| Perella Weinberg Partners | PWP | $2.0B | 45.57 | -11.23 | 13.6% | - |
| Columbia Financial, Inc. | CLBK | $2.0B | 34.62 | 1.69 | 4.5% | - |
| Peer Median | - | 10.93 | 1.54 | 14.1% | 9.61 | |