KEMPER Corp financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
KMPR, KMPB on NYSE
Location
Chicago, IL
Fiscal year end
31 December
Latest financial report
11 Feb 2026

Quick Takeaways

  • KMPR - KEMPER Corp financial facts are built from SEC company filings data.
  • Latest metrics period on this page: Q4 2025.
  • Headline metric: Return On Equity 4.9%.

What Changed

  • Return On Equity YoY change: <span class="text-red-600">-56%</span>.
  • Most recent SEC facts end date: 09 Feb 2026.

Why This Matters

  • This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
  • Every metric card links to a deeper SEC-backed history page for verification.

Official SEC Source

Based on latest 10-Q/10-K

Facts and ratios are grounded in SEC company facts linked to the latest 10-Q/10-K cycle.

See Original Filing

Latest SEC snapshot (2026-02-09) highlights Return On Equity 4.9%, Return On Assets 1.2%, and Operating Margin 2.9%.

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

28.3/100

Weak Confidence high

Return On Equity

4.9%

Metric score 0.0/100

Return On Assets

1.2%

Metric score 0.0/100

Financial Health

Current Ratio
0.46x
Quick Ratio
0.43x
Debt to Equity
0.56x

Strengths

Debt-to-equity

Watchpoints

Return On Equity, Return On Assets, and Operating Margin

Key metrics snapshot

Return On Equity

4.9%

YoY: -56%

Industry median: 14% (n=63)

View history

Return On Assets

1.2%

YoY: -54%

Industry median: 3.3% (n=63)

View history

Debt-to-equity

0.56x

YoY: +34%

Industry median: 3.24x (n=57)

View history

Revenues YoY

3.3%

YoY:

Industry median: 6.7% (n=65)

View history

NetIncomeLoss YoY

-55%

YoY:

Industry median: 24% (n=58)

View history

Profitability

Metric Latest value YoY change
Return On Equity 4.9% -56%
Return On Assets 1.2% -54%
Operating Margin 2.9%

Financial Health

Metric Latest value YoY change
Current Ratio 0.46x
Quick Ratio 0.43x
Debt-to-equity 0.56x +34%

Growth

Metric Latest value YoY change
Revenues YoY 3.3%
NetIncomeLoss YoY -55%

Share Metrics

Metric Latest value YoY change
Entity Common Stock, Shares Outstanding 58,714,589 -8.1%
Common Stock, Shares, Outstanding 58,666,644 -8.1%
Weighted Average Number of Shares Outstanding, Basic 62,010,700 -3.4%
Weighted Average Number of Shares Outstanding, Diluted 62,606,200 -3.4%

Additional Metrics

Metric Latest value YoY change
Income Tax Expense (Benefit) $28,100,000 -63%
Earnings Per Share, Basic 2.31 -53%
Earnings Per Share, Diluted 2.29 -53%
Deferred Income Tax Assets, Net $101,100,000 +8.4%
Operating Lease, Right-of-Use Asset $45,400,000 +34%
Goodwill $1,250,700,000 0%
Assets $12,472,700,000 -1.2%
Deferred Income Tax Liabilities, Net $14,800,000 0%
Liabilities $9,803,300,000 -0.44%
Accumulated Other Comprehensive Income (Loss), Net of Tax $206,200,000 +32%
Retained Earnings (Accumulated Deficit) $1,157,800,000 -6%
Stockholders' Equity Attributable to Parent $2,681,400,000 -3.8%
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest $2,669,400,000 -4.1%
Liabilities and Equity $12,472,700,000 -1.2%
Common Stock, Shares Authorized 100,000,000 0%
Common Stock, Par or Stated Value Per Share 0.1 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $126,000,000 +93%
Deferred Tax Assets, Valuation Allowance $38,000,000 -1.8%
Deferred Tax Assets, Gross $321,400,000 -6.7%
Operating Lease, Liability $61,400,000 +19%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $241,600,000 -35%
Lessee, Operating Lease, Liability, to be Paid $69,100,000 +6.6%
Lessee, Operating Lease, Liability, to be Paid, Year Two $13,900,000 +23%
Lessee, Operating Lease, Liability, to be Paid, Year One $17,100,000 -6%
Operating Lease, Weighted Average Discount Rate, Percent 0.046 +2.2%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $7,700,000 -42%
Lessee, Operating Lease, Liability, to be Paid, Year Three $11,600,000 +17%
Deferred Tax Assets, Operating Loss Carryforwards $3,900,000 -72%
Preferred Stock, Shares Issued 0
Preferred Stock, Shares Authorized 20,000,000 0%
Unrecognized Tax Benefits $0
Lessee, Operating Lease, Liability, to be Paid, Year Four $9,300,000 +31%
Amortization of Intangible Assets $63,800,000 +38%
Deferred Tax Assets, Net of Valuation Allowance $283,400,000 -7.3%
Interest Expense $38,500,000 -32%
Preferred Stock, Par or Stated Value Per Share 0.1 0%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY