Filing Flows › Kemper (KMPR) › Q3 2026 › vs Q3 2025
Kemper (KMPR) Q3 2026 vs Q3 2025 (year over year)
Kemper's revenue fell $149M (-12%) from $1.2B in Q3 2025 to $1.1B in Q3 2026. Operating margin 5.9% against -2.7% (+8.5 pts).
Kemper, Q3 2026: revenue $1.1B (-12% year over year), operating margin 5.9%, net earnings $52.4M, operating cash flow $63.1M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 5.9% | -2.7% | +8.5 pts |
| Net margin | 4.8% | -1.7% | +6.5 pts |
| Free cash flow margin | 5.1% | 10.8% | -5.7 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $1.1B | $1.2B | −$149M | -12% |
| Operating profit | $64.1M | −$33.1M | $97.2M | — |
| Costs & expenses | $1.0B | $1.3B | −$246M | -19% |
| Pre-tax earnings | $64.1M | −$33.1M | $97.2M | — |
| Net earnings | $52.4M | −$21.0M | $73.4M | — |
| Minority interests | $1.3M | −$3.2M | $4.5M | — |
| Income tax | $10.4M | −$8.9M | $19.3M | — |
| Depreciation & amortization | $11.3M | $35.7M | −$24.4M | -68% |
| Working capital & other | $600K | −$125M | $126M | — |
| Operating cash flow | $63.1M | $140M | −$76.8M | -55% |
| Free cash flow (OCF − capex) | $55.7M | $133M | −$77.7M | -58% |
| Capital expenditures | $7.4M | $6.5M | $900K | +14% |
Questions
How much did Kemper's revenue grow year over year in Q3 2026?
Kemper's revenue fell $149M (-12%) from $1.2B in Q3 2025 to $1.1B in Q3 2026. Operating margin 5.9% against -2.7% (+8.5 pts).