Kemper Corporation (KMPR) Income Statement
KMPR 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsKMPR revenue and net income
Where KMPR's revenue goes
2025Each bar shows an amount and its share of revenue. KMPR kept 3.0% of revenue as net income.
KMPR profit margins
KMPR growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +3.6% | −4.1% | −1.5% | +7.4% |
| Gross profit | +141.8% | — | +4.2% | +10.7% |
| Operating income | −58.6% | — | −20.6% | +4.8% |
| Net income | −54.9% | — | −19.0% | +5.3% |
| EPS (diluted) | −43.1% | — | −12.6% | +9.5% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
KMPR quarterly EPS vs estimates
Kemper beat the analyst EPS estimate in 4 of the last 8 quarters. Next report: November 4, 2026 (estimate $0.55).
KMPR income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.80B | $4.63B | $4.94B | $5.45B | $5.61B | $5.18B | $5.02B | $3.69B | $2.67B | $2.52B |
| Cost of revenue | $3.38B | $4.04B | −$29.5M | $5.66B | $5.26B | $4.02B | $3.83B | $2.92B | $2.23B | $2.16B |
| Gross profit | $1.43B | $589.4M | $4.94B | −$211.3M | $354.8M | $1.16B | $1.19B | $766.9M | $439.2M | $357.5M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $1.16B | $2.6M | $413.9M | $358.4M | $339.5M | $371.5M | $278.0M | $231.9M | $196.2M | $209.0M |
| Total operating expenses | $1.26B | $200.9M | $5.67B | $159.7M | $604.2M | $650.8M | $528.4M | $567.8M | $278.1M | $354.0M |
| Operating income | $160.7M | $388.5M | −$347.1M | −$371.0M | −$249.4M | $510.1M | $661.6M | $199.1M | $161.1M | $3.5M |
| Interest income | $317.4M | $320.7M | $346.9M | $306.4M | $293.6M | $305.2M | $322.3M | $107.7M | $34.9M | $44.4M |
| Interest expense | $38.5M | $56.9M | $369.3M | $54.7M | $43.6M | $36.0M | $42.5M | $43.4M | $34.9M | $44.4M |
| Income before taxes | $160.7M | $388.5M | −$347.1M | −$371.0M | −$249.3M | $510.1M | $661.6M | $199.1M | $161.1M | $3.5M |
| Income taxes | $28.1M | $76.0M | −$74.8M | −$84.4M | −$125.6M | $100.2M | $130.5M | $10.7M | $41.2M | −$9.2M |
| Net income | $143.3M | $317.8M | −$347.1M | −$286.6M | −$123.7M | $409.9M | $531.1M | $190.1M | $120.9M | $16.8M |
| EBITDA | $273.5M | $499.1M | −$347.1M | −$245.4M | −$105.9M | $601.1M | $766.6M | $414.4M | $214.2M | $67.4M |
| EPS (diluted) | $3.35 | $5.89 | −$0.94 | −$2.45 | −$3.47 | $6.58 | $6.26 | $4.30 | $1.63 | $0.28 |
| Gross margin | 29.7% | 12.7% | 100.0% | −3.9% | 6.3% | 22.4% | 23.7% | 20.8% | 16.5% | 14.2% |
| Operating margin | 3.3% | 8.4% | −7.0% | −6.8% | −4.4% | 9.8% | 13.2% | 5.4% | 6.0% | 0.1% |
| Net margin | 3.0% | 6.9% | −7.0% | −5.3% | −2.2% | 7.9% | 10.6% | 5.2% | 4.5% | 0.7% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.09B | $1.11B | $1.14B | $1.24B | $1.23B | $1.19B | $1.18B | $1.17B | $1.14B | $1.14B | $1.18B | $1.19B |
| Cost of revenue | $0 | $828.8M | $854.5M | $1.24B | $1.13B | $1.05B | $1.36B | $908.8M | $1.18B | $1.16B | $959.7M | $1.13B |
| Gross profit | $1.09B | $280.1M | $281.3M | −$500,000 | $100.8M | $136.6M | −$175.4M | $260.3M | −$36.9M | −$22.2M | $220.5M | $59.8M |
| Sales, general & admin | — | — | $276.4M | — | $290.0M | — | $262.2M | $92.4M | $81.9M | $85.3M | $88.2M | $156.1M |
| Total operating expenses | $1.56B | $288.0M | $294.8M | $32.6M | $13.3M | $16.8M | −$294.7M | $169.6M | −$128.8M | −$108.8M | $157.0M | $250.6M |
| Operating income | −$467.0M | −$7.9M | −$13.5M | −$33.1M | $87.5M | $119.8M | $119.3M | $90.7M | $91.9M | $86.6M | $63.5M | −$190.8M |
| Interest income | $83.0M | $80.1M | $81.4M | $81.2M | $77.6M | $77.2M | $61.7M | $84.7M | $81.1M | $82.6M | $87.2M | $87.7M |
| Interest expense | $8.9M | $9.3M | $9.0M | $9.1M | $9.0M | $11.4M | $14.6M | $14.4M | $13.9M | $14.0M | $13.9M | $14.1M |
| Income before taxes | −$467.0M | −$7.9M | −$13.5M | −$33.1M | $87.5M | $119.8M | $119.3M | $90.7M | $91.9M | $86.6M | $63.5M | −$190.8M |
| Income taxes | −$1.0M | −$3.5M | −$3.5M | −$8.9M | $17.7M | $22.8M | $23.6M | $18.5M | $17.5M | $16.4M | $12.2M | −$44.4M |
| Net income | −$464.8M | −$1.7M | −$8.0M | −$21.0M | $72.6M | $99.7M | $97.4M | $73.7M | $75.4M | $71.3M | $51.4M | −$146.3M |
| EBITDA | −$434.9M | $13.0M | −$29.9M | $11.7M | $109.5M | $143.7M | $146.8M | $118.2M | $118.9M | $115.2M | $85.9M | −$160.7M |
| EPS (diluted) | $0.45 | $0.21 | $0.25 | $0.33 | $1.12 | $1.65 | $1.78 | $1.62 | $1.42 | $1.07 | $0.78 | −$0.44 |
| Gross margin | 100.0% | 25.3% | 24.8% | −0.0% | 8.2% | 11.5% | −14.8% | 22.3% | −3.2% | −1.9% | 18.7% | 5.0% |
| Operating margin | −42.7% | −0.7% | −1.2% | −2.7% | 7.1% | 10.1% | 10.1% | 7.8% | 8.1% | 7.6% | 5.4% | −16.0% |
| Net margin | −42.5% | −0.2% | −0.7% | −1.7% | 5.9% | 8.4% | 8.2% | 6.3% | 6.6% | 6.2% | 4.4% | −12.3% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in KMPR's financial statements (latest annual report filed February 11, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
KMPR financial results
In fiscal year 2025 (ended December 31, 2025), Kemper reported revenue of $4.8 billion, up 3.6% from the year before. It had net income of $143.3 million (down 54.9%), a net profit margin of 3.0%. Diluted earnings per share came to $3.35. Over five years revenue grew at an average rate of −1.5% a year.
See the KMPR stock overview for the latest quote and news, or the KMPR chart for price history and technical indicators.
KMPR income statement FAQ
What is Kemper's annual revenue?
Kemper reported total revenue of $4.8 billion for fiscal year 2025, which ended on December 31, 2025. That was up 3.6% from $4.6 billion the previous year.
Is Kemper profitable?
Yes. Kemper reported net income of $143.3 million in fiscal 2025, a net profit margin of 3.0%; its operating margin was 3.3%.
What is Kemper's gross margin?
Kemper's gross margin was 29.7% in fiscal 2025: for every $100 of revenue, Kemper kept $30 after the direct cost of its products and services.
How fast is Kemper growing?
Revenue grew −1.5% a year on average over the last five fiscal years, from $5.2 billion to $4.8 billion.
What are Kemper's earnings per share?
Kemper earned $3.35 per diluted share in fiscal 2025, compared with $5.89 a year earlier.
When will Kemper report its next earnings?
Kemper is expected to report results for the quarter ending September 30, 2026 on November 4, 2026 after the market closes.
When does Kemper's fiscal year end?
Kemper's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 11, 2026.