Kemper Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Premiums Earned	4,396	4,216	4,529	5,213	5,179
Investment Income	405	407.5	419.7	422.6	427.3
Net Gains on Investments	-9.6	4.7	-15	-101.4	168.4
Total Other Revenues	-2	10.5	10.1	-10.7	-56.4
Revenue	4,790	4,639	4,944	5,524	5,719
Revenue Growth (YoY)	3.26%	-6.18%	-10.49%	-3.40%	9.85%
Insurance Benefits & Claims	3,376	3,013	3,820	4,433	4,520
Policy Amortization Costs	1,215	1,180	1,366	1,404	1,229
Other Operating Expenses	-	-	49.6	-	219.4
Operating Income	199.2	445.4	-291	-312.6	-249.3
Interest Expense	-38.5	-56.9	-56.1	-54.7	-
Other Non-Operating Income (Expense)	-	-	-	-3.7	-
Total Non-Operating Income (Expense)	-38.5	-56.9	-56.1	-58.4	-
Pretax Income	160.7	388.5	-347.1	-371	-249.3
Provision for Income Taxes	-28.1	-76	74.8	84.4	-125.6
Net Income	275.9	630.3	-544.4	-573.2	-247.4
Minority Interest in Earnings	-10.7	-5.3	-0.2	-	-
Net Income to Common	275.9	630.3	-544.4	-573.2	-247.4
Net Income Growth	-56.23%	-	-	-	-
Shares Outstanding (Basic)	62	64	64	64	64
Shares Outstanding (Diluted)	63	65	64	64	64
Shares Change (YoY)	-3.35%	1.17%	0.31%	-0.68%	-3.69%
EPS (Basic)	2.31	4.95	-4.25	-4.50	-1.92
EPS (Diluted)	2.29	4.91	-4.25	-4.50	-1.92
EPS Growth	-53.36%	-	-	-	-
Shares Outstanding	58.67	63.84	64.11	63.91	63.68
Free Cash Flow	553.9	329.7	-188	-241.1	292.9
Free Cash Flow Growth	68.00%	-	-	-	-25.77%
Free Cash Flow Per Share	8.85	5.09	-2.94	-3.78	4.56
Dividends Per Share	1.280	1.240	1.240	1.240	1.240
Dividend Growth	3.23%	-	-	-	3.33%
Operating Margin	4.16%	9.60%	-5.89%	-5.66%	-4.36%
Profit Margin	2.77%	6.74%	-5.51%	-5.19%	-2.16%
FCF Margin	11.56%	7.11%	-3.80%	-4.36%	5.12%
EBITDA	273.5	499.1	-232.4	-241.7	-149.5
EBITDA Margin	5.71%	10.76%	-4.70%	-4.38%	-2.61%
EBIT	199.2	445.4	-291	-312.6	-249.3
EBIT Margin	4.16%	9.60%	-5.89%	-5.66%	-4.36%
Effective Tax Rate	-17.49%	-19.56%	-21.55%	-22.75%	50.38%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Insurance template. Financial Sources.

SEC Filings: 10-K · 10-Q