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Kemper (KMPR) earnings and revenue breakdown
Latest: Q2 2026 · 10-Q filed Aug 5, 2026 · Kemper (KMPR) Q2 2026 earnings results →
Q2 2026 Revenue down 11% year over year to $1.1B · 43¢ of every $1 of revenue lost · operating margin -42.7%
Kemper made $1.1B in Q2 2026 (-11% Y/Y). Operating margin -42.7%, net loss $466M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Aug 5, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $1.1B in Q2 2026, down 11% year over year and down 1% from the previous quarter.
Operating costs exceeded revenue by $0.47B, an operating margin of -42.7%. Total costs grew 37% against a revenue fall of 11%. The quarter ended with a net loss of $0.47B, wider than the previous quarter's $4.4M loss. Minority interests bore $1.2M of it: to shareholders the quarter was a loss of $0.46B.
Operating cash flow was $0.03B (down 66% year over year). Non-cash charges added back $0.01B of depreciation and amortization. Working capital and other items added $0.48B. Capital expenditures of $0.01B left free cash flow of $0.02B.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 10-Q | Aug 5, 2026 | $1.1B | -11% | -42.7% | −$466M | $30.5M |
| Q1 2026 | 10-Q | May 6, 2026 | $1.1B | -7% | -0.7% | −$4.4M | $88.8M |
| Q4 2025 | 10-K | Feb 11, 2026 | $1.1B | -5% | -1.2% | −$10.0M | $175M |
| Q3 2025 | 10-Q | Nov 5, 2025 | $1.2B | +5% | -2.7% | −$24.2M | $140M |
| Q2 2025 | 10-Q | Aug 5, 2025 | $1.2B | +8% | 7.1% | $72.6M | $89.6M |
| Q1 2025 | 10-Q | May 7, 2025 | $1.2B | +4% | 10.0% | $99.7M | $180M |
| Q4 2024 | 10-K | Feb 7, 2025 | $1.2B | 0% | 10.1% | $97.4M | $175M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Kemper
Kemper is an insurance holding company that offers complementary insurance products, through its subsidiaries, including personal and commercial automobile insurance to consumers in targeted markets and industries. Kemper also offers life and other insurance solutions to customers who desire basic protection for themselves and their families. Kemper’s annual reports on Form 10-K, quarterly reports on Form 10‑Q, current reports on Form 8-K and amendments thereto are accessible free of charge through Kemper’s website, kemper.com, and as soon as reasonably practicable after such materials are filed with, or furnished to, the SEC, which also maintains an Internet site at sec.gov that contains reports, proxy and information statements, and other information regarding issuers that file electronically with the SEC.
In its own words, from its 10-K, filed Feb 11, 2026.
Kemper against its Fire, Marine & Casualty Insurance peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -11% against the peers' median +2%. Operating margin: -42.7% against the peers' median 15.1%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| KMPR Kemper | Q2 2026 | $1.1B | -11% | -42.7% |
| BRK-B Berkshire Hathaway | Q2 2026 | $101.8B | +10% | 15.5% |
| PGR Progressive | Q3 2026 | $23.2B | +3% | 14.0% |
| ALL Allstate | Q3 2026 | $17.3B | +0.5% | 15.1% |
| CB Chubb | Q3 2026 | $16.2B | +0.3% | 21.0% |
| TRV Travelers Companies | Q3 2026 | $12.4B | -0.5% | 19.1% |
| AIG American International Group | Q3 2026 | $7.4B | +17% | 15.0% |
| HIG Hartford Insurance Group | Q3 2026 | $7.2B | +4% | 21.9% |
| L Loews | Q3 2026 | $4.8B | +2% | 8.5% |
Source: Kemper 10-Q on SEC EDGAR · CIK 860748 · Fire, Marine & Casualty Insurance
13F: who owns KMPR and who is buying
More on KMPR
History
Every quarter: Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results · Q4 2024 results