KMPR FINANCIAL STATEMENTS

Kemper Corporation — balance sheet, income statement and cash flow trends

KMPRKemper Corporation

🇺🇸 USA · NYSE · Financial Services · Insurance - Property & Casualty

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue4.7 B $+0.6%

Gross Profit661.7 M $+258.5%

Operating Income33 M $-92.2%

EBITDA104.3 M $-80.2%

Net Income41.9 M $-87.9%

Peer Comparison· Insurance - Property & Casualty

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
KMPR	—	—	—	0.9%
TURSG	—	—	—	—
DFY	—	—	—	6.9%
GJF	—	—	—	—
SUN	—	—	—	5.6%
IAG	—	—	—	6.9%
Industry median	—	—	—	10.8%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity2.6 B $21%
Current Liabilities4.9 B $39%
Long-term Liabilities4.9 B $39%

Key Figures

YoY change

Total Assets12.4 B $-0.5%

Total Liabilities9.8 B $+2.3%

Total Equity2.6 B $-9.2%

Cash & ST Investments398.4 M $-42.5%

Total Debt944 M $+0.2%

Net Debt851.4 M $+3.0%

Peer Comparison· Insurance - Property & Casualty

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
KMPR	0.33	35.6%	5.23	21.3%
TURSG	1.36	0.0%	—	30.1%
DFY	1.25	43.4%	1.65	30.8%
GJF	—	—	—	11.2%
SUN	—	30.6%	0.99	34.1%
IAG	—	49.8%	1.48	26.4%
Industry median	0.89	27.1%	-0.70	26.4%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
KMPR	0.33	35.6%	5.23	21.3%
UFCS	0.81	15.4%	-6.36	24.3%
STC	0.94	47.0%	1.72	50.6%
HMN	0.15	40.4%	0.36	9.8%
PRA	1.32	32.4%	-30.15	24.7%
UVE	0.56	17.2%	-2.35	21.1%
Industry median	0.89	27.1%	-0.70	26.4%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow493.3 M $-5.1%

Capital Expenditures33.8 M $-57.4%

Free Cash Flow459.5 M $-12.9%

Dividends Paid-77.7 M $-196.2%

Peer Comparison· Insurance - Property & Casualty

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
KMPR	10.5%	9.8%	0.7%	1,177.3%
TURSG	—	—	—	100.0%
DFY	8.1%	6.3%	1.8%	116.7%
GJF	—	—	—	—
SUN	20.9%	20.9%	0.0%	373.0%
IAG	6.7%	6.5%	6.7%	97.5%
Industry median	16.6%	15.9%	0.6%	149.9%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
KMPR	10.5%	9.8%	0.7%	1,177.3%
UFCS	20.4%	20.1%	0.3%	222.7%
STC	7.5%	5.0%	2.5%	178.6%
HMN	28.6%	28.6%	0.0%	286.9%
PRA	-3.3%	-3.6%	0.3%	-54.2%
UVE	21.9%	21.6%	0.3%	178.5%
Industry median	16.6%	15.9%	0.6%	149.9%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.