KEMPER Corp

Listed Company

KMPRCIK 0000860748NYSELarge AcceleratedFire, Marine & Casualty InsuranceDelawareFY ends Dec 31

Period

FY 2025

Revenue

$4.79B

Net Income

$143.30M

Total Assets

$12.47B

Equity

$2.68B

Shares Out

58.87M

Op. Cash Flow

$584.50M

+ 13F Filer

KMPR$28.00−54.84% · past yearDBEQ Basic

Daily closing prices

Business

Kemper Corporation is an insurance holding company offering personal and commercial automobile insurance, life insurance, and fire/contents coverage through subsidiaries in the United States. The company operates two reportable segments: Specialty Property & Casualty Insurance serving specialty and non-standard auto markets through independent agents across multiple states, and Life Insurance distributing individual life and supplemental accident & health products through career agents in various states. Geographic concentration is significant, with most premiums concentrated in a small number of states.

Summary from 10-K filed 2026-02-11

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Earned Premiums	−4,396	−4,216	−4,529	−5,213	5,179
Net Investment Income	405	408	420	423	427
Other (Loss) Income	−2	11	10	9	5
Change in Fair Value of Equity and Convertible Securities	−4	−3	5	−80	115
Net Realized Investment Gains (Losses)	6	13	−19	4	65
Impairment Losses	−11	−6	−1	−26	−11
Total Revenues	4,790	4,639	4,944	5,524	5,719
Policyholders Benefits and Incurred Losses and Loss Adjustment Expenses	−3,376	−3,013	−3,820	−4,433	4,520
Insurance and Other Expenses	1,215	1,180	1,366	1,404	1,229
Interest Expense	39	57	56	55	219
Goodwill Impairment	0	0	50	0	0
Total Expenses	4,629	4,250	5,291	5,895	5,968
Income (Loss) before Income Taxes	161	389	−347	−371	−249
Income Tax Expense (Benefit)	−28	−76	75	84	126
Net Income (Loss)	133	313	−272	−287	−124
Less: Net Loss attributable to Noncontrolling Interest	−11	−5	−200,000	0	0
Net Income (Loss) attributable to Kemper Corporation	143	318	−272	−287	−124
Basic (in dollars per share)	2.31	4.95	−4.25	−4.5	−1.92
Diluted (in dollars per share)	2.29	4.91	−4.25	−4.5	−1.92

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Fixed Maturities at Fair Value (Amortized Cost: 2025 - $7,475.7; 2024 - $7,295.0 Allowance for Credit Losses: 2025 - $20.1; 2024 - $10.7)	6,743	6,410	6,882	6,895	7,987
Equity Securities at Fair Value (Cost: 2025 - $287.9; 2024 - $197.1)	306	219	226	243	831
Equity Method Limited Liability Investments	176	186	—	—	—
Equity Securities at Modified Cost	579	539	514	587	448
Convertible Securities at Fair Value	280	281	281	283	286
Other Investments	271	217	242	270	270
Total Investments	8,670	8,889	8,904	8,790	10,387
Cash	124	64	64	212	148
Receivables from Policyholders (Allowance for Credit Losses: 2025 - $2.0; 2024 - $2.9)	965	978	960	1,287	1,419
Other Receivables	185	186	201	263	207
Deferred Policy Acquisition Costs	657	630	592	636	688
Goodwill	1,251	1,251	1,251	1,300	1,312
Current Income Tax Assets	41	63	65	168	173
Deferred Income Tax Assets	101	93	210	129	0
Other Assets	411	436	493	530	592
Total Assets	12,473	12,630	12,743	13,314	14,917
Total Insurance Reserves	6,198	5,812	6,103	—	—
Policyholder Obligations	608	638	656	701	504
Deferred Income Tax Liabilities	15	15	51	0	227
Accrued Expenses and Other Liabilities	763	705	738	817	844
Long-term Debt, Current, at Amortized Cost	0	450	0	—	—
Long-term Debt, Non-current, at Amortized Cost	944	942	1,389	—	—
Total Liabilities	9,803	9,846	10,238	10,643	10,909
Common Stock, $0.10 Par Value, 100,000,000 Shares Authorized; 58,666,644 Shares Issued and Outstanding at December 31, 2025 and 63,840,442 Shares Issued and Outstanding at December 31, 2024	6	6	6	6	6
Paid-in Capital	1,724	1,855	1,845	1,813	1,791
Retained Earnings	1,158	1,232	1,014	1,366	1,763
Accumulated Other Comprehensive Loss	−206	−305	−361	−515	448
Total Shareholders Equity	2,681	2,788	2,505	241	−850
Noncontrolling Interest	−12	−4	−200,000	—	—
Total Shareholders Equity	2,669	2,784	2,505	2,671	3,130
Total Liabilities and Shareholders Equity	12,473	12,630	12,743	13,314	14,917

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation, Amortization, and Impairments of Property, Equipment, Software and Intangible Assets Acquired	74	54	59	71	46
Settlement Related to Defined Benefit Pension Plan	0	−3	70	0	0
Change in Value of Alternative Energy Partnership Investments	7	31	−1	—	—
Pension Plan assets reverted to the Company	0	13	0	0	—
Receivables from Policyholders	11	−26	326	129	−75
Reinsurance Recoverables	−500,000	7	12	−2	21
Deferred Policy Acquisition Costs	−27	−38	44	14	−78
Insurance Reserves	375	−2	−31	27	616
Unearned Premiums	−30	−26	−403	−184	106
Income Taxes	−7	65	33	−84	−164
Other	39	0	−36	−11	89
Net Cash Provided by (Used in) Operating Activities	585	383	−134	−210	351
Proceeds from the Sales, Calls and Maturities of Fixed Maturities	1,166	1,317	673	1,296	1,389
Equity Securities	25	38	149	536	317
Real Estate Investments	6	4	0	0	8
Mortgage Loans	124	122	95	91	71
Other Investments	43	22	18	52	48
Fixed Maturities	−1,354	−1,013	−447	−1,816	−1,825
Equity Securities	−115	−19	−44	−59	−124
Real Estate Investments	−3	−2	−1	−3	−5
Corporate-Owned Life Insurance	−2	−4	0	−110	−100
Mortgage Loans	−199	−110	−104	−81	−120
Other Investments	−80	−51	−20	−13	−105
Net Sales (Purchases) of Short-term Investments	747	−521	−238	6	687
Acquisition of Software and Long-lived Assets	−31	−53	−54	−31	−58
Settlement Proceeds from Company-Owned Life Insurance	4	14	102	0	0
Other	4	13	−21	9	17
Net Cash Provided by (Used in) Investing Activities	336	−244	108	−108	−118
Repayments of Long-term Debt	−450	0	0	−280	−50
Proceeds from Policyholder Contract Obligations	31	102	123	336	387
Repayment of Policyholder Contract Obligations	−66	−121	−169	−138	−394
Proceeds from Shares Issued under Employee Stock Purchase Plan	4	4	4	5	5
Common Stock Repurchases	−302	−39	0	0	−162
Dividends Paid	−80	−80	−80	−80	−81
Other	2	−4	−500,000	600,000	4
Net Cash Used in Financing Activities	−860	−137	−122	383	−290
Net increase (decrease) in cash	61	1	−148	64	−58
Interest	−44	−55	−55	−52	−44
Income taxes paid	−35	−11	107	−700,000	−38
Operating Leases	−18	−22	−25	−24	−24
Right-of-Use Assets Obtained in Exchange for New Operating Lease Liabilities	26	10	14	10	16
Real estate acquired via mortgage loan foreclosure	0	11	0	0	—

Filings

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Insiders

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Holdings (13F)

Portfolio as of 2026-01-14 · 4 positions

Reported AUM

$195.99M

Holdings

Top sector

$195.99M

Top sectors

Sector	Value	% of portfolio
Uncategorized	$195.99M	100.0%

Top holdings

Issuer	Ticker	Shares	Value	%
VANGUARD INTL EQUITY	—	1.11M	$112.05M	57.2%
ISHARES TR	—	1.14M	$75.63M	38.6%
ISHARES TR	—	216.5K	$7.88M	4.0%
HORACE MANN EDUCATORS CORP N	—	10.0K	$418.0K	0.2%

Frequently asked questions

What is KEMPER Corp's CIK number?

KEMPER Corp's SEC CIK number is 0000860748 (860748). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find KEMPER Corp's SEC filings?

All of KEMPER Corp's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did KEMPER Corp last report earnings?

KEMPER Corp (KMPR) most recently filed an earnings 8-K with the SEC on May 6, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0000860748-26-000043). This is KEMPER Corp's most recent earnings filing of record — not a forecast of its next earnings date.

What is KEMPER Corp's most recent earnings 8-K?

KEMPER Corp's latest earnings 8-K (Item 2.02) was filed May 6, 2026 under accession 0000860748-26-000043. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

View KEMPER Corp's latest earnings 8-K →
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