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Kemper cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow$19.1M in Q2 2026 · $397M over twelve months

Operating cash flow$30.5M
Capital spending−$11.4M
Free cash flow+$19.1M

Analysis

In Q2 2026, Kemper generated $30.5M of operating cash flow and spent $11.4M on capital projects, leaving free cash flow of $19.1M. That is $62.9M less than in Q2 2025 ($82.0M).

Over the twelve months to Jun 30, 2026, operating cash flow was $434M; the largest uses were buybacks ($269M), net borrowing (+) / repaid (−) ($107M), dividends ($76.2M); besides operations, cash came from asset & business sales ($5.6M), other financing ($3.9M); the cash balance fell by $95.8M.

Operating cash flow was $30.5M against net income of −$466M. The largest differences: impairments +$460M, other operating capital −$34.1M, income taxes payable −$19.7M.

Free cash flow

Kemper: free cash flow by quarterKemper: free cash flow by quarter$131MQ3 2024$165MQ4 2024$172MQ1 2025$82.0MQ2 2025$133MQ3 2025$166MQ4 2025$77.9MQ1 2026$19.1MQ2 2026
Operating cash flow less capital spending.
Kemper: operating cash flow against capital spendingKemper: operating cash flow against capital spendingOperating cash flowCapital spending$142M$10.5MQ3 2024$175M$9.7MQ4 2024$180M$7.7MQ1 2025$89.6M$7.6MQ2 2025$140M$6.5MQ3 2025$175M$8.8MQ4 2025$88.8M$10.9MQ1 2026$30.5M$11.4MQ2 2026
Latest (Q2 2026): Operating cash flow $30.5M, Capital spending $11.4M.

Capital allocation, year by year

Kemper: where the cash came from (up) and went (down), by fiscal yearKemper: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $351MFY2021: Net borrowing −$50.2MFY2021: Shares issued $3.7MFY2021: Asset sales $8.0MFY2021: Capital spending −$57.8MFY2021: Acquisitions −$317MFY2021: Buybacks −$162MFY2021: Dividends −$80.6M$362MFY2021FY2022: Operating cash flow −$210MFY2022: Net borrowing −$280MFY2022: Shares issued $600KFY2022: Asset sales $14.8MFY2022: Capital spending −$30.8MFY2022: Dividends −$79.7M$15.4MFY2022FY2023: Operating cash flow −$134MFY2023: Shares issued $1.9MFY2023: Capital spending −$53.8MFY2023: Dividends −$80.1M$1.9MFY2023FY2024: Operating cash flow $383MFY2024: Shares issued $4.7MFY2024: Asset sales $3.7MFY2024: Capital spending −$53.2MFY2024: Buybacks −$38.9MFY2024: Dividends −$80.1M$391MFY2024FY2025: Operating cash flow $584MFY2025: Net borrowing −$450MFY2025: Shares issued $9.5MFY2025: Asset sales $5.5MFY2025: Capital spending −$30.6MFY2025: Buybacks −$302MFY2025: Dividends −$79.6M$600MFY2025
Over these 5 years operating cash flow totalled $974M; the largest uses were net borrowing ($780M) and buybacks ($502M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$378M
Debt$944M
Net debt$567M

Kemper funds itself: free cash flow was $397M over the last twelve months, and $378M of cash and investments stands against $944M of debt.

Where the cash came from and went

Kemper: sources (+) and uses (−) of cash, Q2 2026Kemper: sources (+) and uses (−) of cash, Q2 2026Operating cash flow$30.5MNet borrowing (+) / repaid (−)−$28.2MDividends−$19.3MOther investing$15.5MCapital spending−$11.4MCash drawn (+) / kept (−)$11.4MOther financing$1.4MShares issued$800KReal estate bought−$700K
Kemper: sources (+) and uses (−) of cash, TTM to Q2 2026Kemper: sources (+) and uses (−) of cash, TTM to Q2 2026Operating cash flow$434MBuybacks−$269MNet borrowing (+) / repaid (−)−$107MCash drawn (+) / kept (−)$95.8MDividends−$76.2MOther investing−$49.9MCapital spending−$37.6MAsset & business sales$5.6MOther financing$3.9MShares issued$3.5MReal estate bought−$3.0M

From profit to cash

Kemper: net income to operating cash flow, Q2 2026Kemper: net income to operating cash flow, Q2 2026Net income−$466MDepreciation & amortization$11.6MImpairments$460MIncome taxes payable−$19.7MOther operating capital−$34.1MOperating cash flow$30.5M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q2 2026$30.5M−$11.4M—−$19.3M−$28.2M$800K$11.4M$19.1M
Q1 2026$88.8M−$10.9M—−$18.3M−$39.9M$800K$33.4M$77.9M
Q4 2025$175M−$8.8M−$50.6M−$18.9M−$14.5M$1.0M−$18.6M$166M
Q3 2025$140M−$6.5M−$219M−$19.7M−$24.3M$900K$69.6M$133M
Q2 2025$89.6M−$7.6M−$28.5M−$20.8M—$1.0M−$61.6M$82.0M
Q1 2025$180M−$7.7M−$4.0M−$20.2M−$450M$800K−$50.0M$172M
Q4 2024$175M−$9.7M−$13.9M−$20.0M—$900K−$8.5M$165M
Q3 2024$142M−$10.5M−$25.0M−$20.3M—$900K$50.5M$131M

Kemper: income statement and cash flow

Kemper, Q2 2026: revenue $1.1B (-11% year over year), operating margin -42.7%. The chart follows the revenue to costs, profit and cash.

Kemper: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.