Kemper Corporation (KMPR) Key Metrics
KMPR valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $1.72B
- Enterprise value
- $2.41B
- P/E (TTM)
- — 10-yr median 17.7
- Forward P/E
- 8.5
- PEG ratio
- 0.75
- Price / sales
- 0.4 10-yr median 0.9
- Price / book
- 0.7 10-yr median 1.3
- EV / EBITDA
- —
- Dividend yield
- 4.37% $1.28 a year
- Beta
- 1.06
KMPR key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsKMPR valuation Price multiples at each fiscal year-end price.
KMPR returns How much profit the business earns on the capital it uses.
KMPR per-share figures Results divided by the shares outstanding at year-end.
KMPR financial health Debt, liquidity and how easily interest is covered.
KMPR efficiency & capital use Working capital cycle and where the cash goes.
KMPR valuation history
KMPR returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
KMPR debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
KMPR cash returned to shareholders
KMPR price vs earnings per share
KMPR key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $2.54B | $4.30B | $3.12B | $3.14B | $3.78B | $5.13B | $5.16B | $3.90B | $3.55B | $2.27B |
| Enterprise value | $3.09B | $4.60B | $3.92B | −$2.41B | −$3.22B | −$2.37B | −$865.4M | −$1.53B | −$1.52B | −$2.13B |
| P/E ratio | 17.7 | 13.5 | — | — | — | 12.5 | 9.7 | 20.5 | 29.4 | 135.0 |
| Price / sales | 0.5 | 0.9 | 0.6 | 0.6 | 0.7 | 1.0 | 1.0 | 1.1 | 1.3 | 0.9 |
| Price / book | 0.9 | 1.5 | 1.2 | 1.3 | 0.3 | 0.4 | 1.3 | 1.3 | 1.7 | 1.1 |
| Price / free cash flow | 4.6 | 13.1 | — | — | 12.9 | 13.8 | 11.4 | 8.2 | 17.3 | 10.2 |
| Price / operating cash flow | 4.3 | 11.2 | — | — | 10.8 | 12.1 | 9.6 | 7.2 | 14.8 | 9.4 |
| EV / sales | 0.6 | 1.0 | 0.8 | -0.4 | -0.6 | -0.5 | -0.2 | -0.4 | -0.6 | -0.8 |
| EV / EBITDA | 11.3 | 9.2 | — | — | — | — | — | — | — | — |
| EV / free cash flow | 5.6 | 13.9 | — | — | — | — | — | — | — | — |
| Earnings yield | 5.6% | 7.4% | −11.1% | −9.1% | −3.3% | 8.0% | 10.3% | 4.9% | 3.4% | 0.7% |
| Free cash flow yield | 21.8% | 7.7% | −6.0% | −7.7% | 7.8% | 7.3% | 8.8% | 12.2% | 5.8% | 9.8% |
| Dividend yield | 3.1% | 1.9% | 2.6% | 2.5% | 2.1% | 1.5% | 1.3% | 1.4% | 1.4% | 2.2% |
| Shareholder yield (dividends + buybacks) | 15.0% | 2.8% | 2.6% | 2.5% | 6.4% | 3.7% | 1.3% | 1.4% | 1.4% | 2.3% |
| Share price at fiscal year-end | $40.54 | $66.44 | $48.67 | $49.20 | $58.79 | $76.83 | $77.50 | $66.38 | $68.90 | $44.30 |
| Per share | ||||||||||
| Revenue per share | $76.68 | $71.52 | $77.22 | $85.40 | $87.37 | $77.61 | $75.44 | $62.77 | $51.75 | $49.24 |
| Earnings per share | $2.29 | $4.91 | −$5.42 | −$4.49 | −$1.92 | $6.14 | $7.98 | $3.24 | $2.34 | $0.33 |
| Operating cash flow per share | $9.34 | $5.91 | −$2.10 | −$3.29 | $5.46 | $6.37 | $8.09 | $9.19 | $4.66 | $4.70 |
| Free cash flow per share | $8.85 | $5.09 | −$2.94 | −$3.78 | $4.56 | $5.57 | $6.83 | $8.08 | $3.98 | $4.35 |
| Cash per share | $7.25 | $17.45 | $9.17 | $115.72 | $131.01 | $130.19 | $113.15 | $115.49 | $109.81 | $107.67 |
| Book value per share | $42.83 | $43.05 | $39.13 | $38.28 | $211.12 | $193.07 | $59.69 | $51.91 | $41.02 | $38.57 |
| Tangible book value per share | $12.36 | $18.87 | $5.38 | $16.02 | $186.13 | $171.58 | $38.02 | $27.73 | $31.25 | $25.78 |
| Dividends per share | $1.27 | $1.24 | $1.25 | $1.25 | $1.25 | $1.18 | $1.02 | $0.96 | $0.96 | $0.96 |
| Capex per share | $0.49 | $0.82 | $0.84 | $0.48 | $0.90 | $0.80 | $1.26 | $1.11 | $0.69 | $0.34 |
| Debt per share | $16.05 | $21.99 | $21.70 | $28.77 | $22.13 | $17.89 | $22.64 | $23.10 | $11.48 | $21.70 |
| Shares outstanding | 62.6M | 64.8M | 64.0M | 63.8M | 64.3M | 66.7M | 66.5M | 58.8M | 51.6M | 51.2M |
| Change in shares outstanding | −3.3% | +1.2% | +0.3% | −0.7% | −3.7% | +0.3% | +13.3% | +13.9% | +0.7% | −0.9% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 5.2% | 12.0% | −14.0% | −3.6% | −0.9% | 4.9% | 15.1% | 7.4% | 5.9% | 0.4% |
| Return on invested capital (ROIC) | 4.2% | 9.8% | −272.6% | — | −3.3% | 24.6% | — | — | — | — |
| Return on assets (ROA) | 1.1% | 2.5% | −2.7% | −2.0% | −0.8% | 3.0% | 4.3% | 1.9% | 1.5% | 0.2% |
| Return on tangible assets | 1.4% | 2.9% | −3.3% | −2.4% | −0.9% | 3.2% | 4.6% | 1.9% | 1.5% | 0.2% |
| Free cash flow margin | 11.5% | 7.1% | −3.8% | −4.4% | 5.2% | 7.2% | 9.0% | 12.9% | 7.7% | 8.8% |
| Income quality (OCF / net income) | 4.08 | 1.20 | — | — | — | 1.04 | 1.01 | 2.84 | 1.99 | 14.32 |
| Financial health | ||||||||||
| Total debt | $1.00B | $1.42B | $1.39B | $1.84B | $1.42B | $1.19B | $1.51B | $1.36B | $592.3M | $1.11B |
| Cash & short-term investments | $453.9M | $1.13B | $587.0M | $7.39B | $8.42B | $8.69B | $7.53B | $6.79B | $5.66B | $5.51B |
| Net debt | $551.0M | $294.2M | $802.2M | −$5.55B | −$7.00B | −$7.49B | −$6.02B | −$5.43B | −$5.07B | −$4.40B |
| Debt / equity | 0.37 | 0.51 | 0.55 | 0.75 | 0.10 | 0.09 | 0.38 | 0.45 | 0.28 | 0.56 |
| Debt / assets | 0.08 | 0.11 | 0.11 | 0.14 | 0.10 | 0.08 | 0.12 | 0.12 | 0.07 | 0.14 |
| Net debt / EBITDA | 2.01 | 0.59 | — | — | — | −12.47 | −7.86 | −13.10 | −23.68 | −65.32 |
| Current ratio | — | 5.92 | 0.39 | 4.13 | 59.03 | 648.71 | 12.23 | 18.01 | 1.25 | 16.86 |
| Quick ratio | — | 5.92 | 0.81 | 67.48 | 72.57 | 816.36 | 15.08 | 21.99 | 1.45 | 19.75 |
| Interest coverage | 4.2 | 6.8 | -0.9 | -6.8 | -5.7 | 14.2 | 15.6 | 4.6 | 4.6 | 0.1 |
| Working capital | — | $2.21B | −$2.88B | $524.4M | $10.05B | $10.10B | $8.18B | $7.63B | $1.23B | $5.71B |
| Invested capital | $3.23B | $3.08B | $3.31B | −$3.11B | $6.57B | $5.39B | −$2.05B | −$2.38B | −$2.96B | −$2.43B |
| Tangible asset value | $762.0M | $1.22B | $344.3M | $1.02B | $11.96B | $11.45B | $2.53B | $1.63B | $7.27B | $1.32B |
| Net current asset value | −$8.71B | −$7.19B | −$8.43B | −$10.23B | $8.87B | $8.66B | −$105.5M | −$418.0M | $5.62B | −$170.4M |
| Graham number | $46.97 | $68.93 | — | — | — | $163.35 | $103.53 | $61.48 | $46.51 | $16.87 |
| Graham net-net per share | −$137.77 | −$120.25 | −$151.84 | −$118.39 | $112.79 | $104.84 | −$22.36 | −$27.79 | $96.57 | −$16.20 |
| Capital allocation | ||||||||||
| Dividends paid | $79.6M | $80.1M | $80.1M | $79.7M | $80.6M | $78.9M | $67.8M | $56.4M | $49.5M | $49.2M |
| Share buybacks (net) | $301.9M | $38.9M | $0 | $0 | $161.7M | $110.4M | $0 | $0 | $0 | $3.8M |
| Dividend payout ratio | 55.5% | 25.2% | — | — | — | 19.2% | 12.8% | 29.7% | 40.9% | 292.9% |
| Dividends + buybacks / free cash flow | 68.9% | 36.1% | — | — | 82.7% | 50.9% | 14.9% | 11.9% | 24.1% | 23.8% |
| Capex / revenue | 0.6% | 1.1% | 1.1% | 0.6% | 1.0% | 1.0% | 1.7% | 1.8% | 1.3% | 0.7% |
| Capex / operating cash flow | 5.2% | 13.9% | — | — | 16.5% | 12.6% | 15.6% | 12.1% | 14.8% | 7.3% |
| Capex / depreciation | 0.41 | 0.99 | 0.92 | 0.43 | 0.58 | 0.97 | 1.34 | 0.38 | 1.95 | 0.90 |
| Stock-based compensation / revenue | — | — | 0.6% | 0.3% | 0.5% | 0.5% | 0.5% | 0.5% | 0.4% | 0.2% |
| SG&A / revenue | 24.2% | 0.1% | 8.4% | 6.6% | 6.0% | 7.2% | 5.5% | 6.3% | 7.4% | 8.3% |
| Efficiency | ||||||||||
| Days sales outstanding | 83.7 | 96.9 | 108.6 | 117.7 | 105.0 | 99.2 | 97.2 | 91.9 | 76.4 | 77.9 |
| Days of inventory on hand | — | — | 77,933.1 | -417.8 | -172.0 | -213.0 | -183.8 | -174.0 | -167.3 | -87.9 |
| Days payables outstanding | — | — | — | 12.7 | 54.5 | 66.4 | 88.0 | 107.8 | 50.0 | 0.3 |
| Cash conversion cycle (days) | — | — | — | -312.8 | -121.5 | -180.2 | -174.7 | -189.9 | -140.9 | -10.4 |
| Receivables turnover | 4.36 | 3.77 | 3.36 | 3.10 | 3.47 | 3.68 | 3.76 | 3.97 | 4.78 | 4.69 |
| Payables turnover | — | — | — | 28.72 | 6.69 | 5.50 | 4.15 | 3.39 | 7.30 | 1,139.16 |
| Asset turnover | 0.38 | 0.37 | 0.38 | 0.39 | 0.38 | 0.38 | 0.41 | 0.37 | 0.32 | 0.31 |
| Average receivables | $1.10B | $1.23B | $1.47B | $1.76B | $1.62B | $1.41B | $1.34B | $928.9M | $558.5M | $538.1M |
| Average payables | — | — | — | $197.2M | $785.8M | $730.5M | $924.0M | $862.9M | $305.4M | $1.9M |
| Average inventory | — | — | −$6.30B | −$6.48B | −$2.48B | −$2.34B | −$1.93B | −$1.39B | −$1.02B | −$521.4M |
| Intangibles / total assets | 15.3% | 12.4% | 17.0% | 10.6% | 10.8% | 10.0% | 11.1% | 12.3% | 6.0% | 8.0% |
Computed from KMPR's annual financial statements (latest annual report filed February 11, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
KMPR valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Kemper traded at 17.7 times earnings, against a 10-year median of 17.7. Kemper earned a return on equity of 5.2% and a return on invested capital of 4.2% in fiscal 2025. It ended the year with $1.0 billion of debt and $453.9 million in cash and short-term investments, net debt of $551.0 million. It returned $381.5 million to shareholders: $79.6 million in dividends and $301.9 million in share buybacks, 69% of free cash flow. The share count rose 22.2% from 51.2M to 62.6M over 9 years.
See the KMPR income statement, the KMPR chart for price history, or the KMPR stock overview for the latest quote and news.
KMPR key metrics FAQ
What is Kemper's P/E ratio?
Kemper traded at 17.7 times earnings at the end of fiscal 2025.
What is Kemper's EV/EBITDA?
Kemper's enterprise value was 11.3 times EBITDA at the end of fiscal 2025 (enterprise value $3.1 billion, EBITDA $273.5 million).
What is Kemper's return on equity?
Kemper's return on equity (ROE) was 5.2% in fiscal 2025: net income of $143.3 million on average shareholders' equity of $2.7 billion.
What is Kemper's ROIC?
Kemper's return on invested capital was 4.2% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Kemper have?
Kemper had total debt of $1.0 billion at the end of fiscal 2025, a debt-to-equity ratio of 0.37 and $551.0 million of net debt (2.01 times EBITDA).
What is Kemper's dividend yield?
Kemper's forward dividend yield is 4.37%. Kemper paid $79.6 million in dividends in fiscal 2025 ($1.27 per share), a payout ratio of 55.5%.
Does Kemper buy back its shares?
Yes. Kemper spent $301.9 million on net share repurchases in fiscal 2025 Shares outstanding changed −3.3% over the year, to 62.6M..
What is Kemper's free cash flow yield?
Kemper generated $553.9 million of free cash flow in fiscal 2025, a free cash flow yield of 21.8% on its market value at year-end ($2.5 billion).