Kemper Corporation (KMPR) - Net Assets
Based on the latest financial reports, Kemper Corporation (KMPR) has net assets worth $2.67 Billion USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($12.47 Billion) and total liabilities ($9.80 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Kemper Corporation liquidity resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $2.67 Billion |
| % of Total Assets | 21.4% |
| Annual Growth Rate | -1.88% |
| 5-Year Change | -80.33% |
| 10-Year Change | 35.15% |
| Growth Volatility | 83.64 |
Kemper Corporation - Net Assets Trend (1995–2025)
This chart illustrates how Kemper Corporation's net assets have evolved over time, based on quarterly financial data. Also explore total assets of Kemper Corporation for the complete picture of this company's asset base.
Annual Net Assets for Kemper Corporation (1995–2025)
The table below shows the annual net assets of Kemper Corporation from 1995 to 2025. For live valuation and market cap data, see KMPR market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $2.67 Billion | -4.13% |
| 2024-12-31 | $2.78 Billion | +11.15% |
| 2023-12-31 | $2.50 Billion | +2.53% |
| 2022-12-31 | $2.44 Billion | -81.99% |
| 2021-12-31 | $13.57 Billion | +5.31% |
| 2020-12-31 | $12.88 Billion | +224.33% |
| 2019-12-31 | $3.97 Billion | +30.24% |
| 2018-12-31 | $3.05 Billion | -60.74% |
| 2017-12-31 | $7.77 Billion | +293.33% |
| 2016-12-31 | $1.98 Billion | -72.89% |
| 2015-12-31 | $7.29 Billion | +248.47% |
| 2014-12-31 | $2.09 Billion | +1.91% |
| 2013-12-31 | $2.05 Billion | -72.21% |
| 2012-12-31 | $7.38 Billion | -1.24% |
| 2011-12-31 | $7.48 Billion | -3.53% |
| 2010-12-31 | $7.75 Billion | -3.29% |
| 2009-12-31 | $8.01 Billion | -2.98% |
| 2008-12-31 | $8.26 Billion | -3.78% |
| 2007-12-31 | $8.58 Billion | +0.59% |
| 2006-12-31 | $8.53 Billion | +1.30% |
| 2005-12-31 | $8.42 Billion | +4.79% |
| 2004-12-31 | $8.04 Billion | +4.93% |
| 2003-12-31 | $7.66 Billion | +9.76% |
| 2002-12-31 | $6.98 Billion | +7.44% |
| 2001-12-31 | $6.49 Billion | +13.21% |
| 2000-12-31 | $5.74 Billion | +3.05% |
| 1999-12-31 | $5.57 Billion | +2.81% |
| 1998-12-31 | $5.41 Billion | +16.40% |
| 1997-12-31 | $4.65 Billion | +0.15% |
| 1996-12-31 | $4.64 Billion | -1.56% |
| 1995-12-31 | $4.72 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Kemper Corporation's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 27.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $1.16 Billion | 43.18% |
| Common Stock | $5.90 Million | 0.22% |
| Other Comprehensive Income | $-206.20 Million | -7.69% |
| Other Components | $1.72 Billion | 64.29% |
| Total Equity | $2.68 Billion | 100.00% |
Kemper Corporation Competitors by Market Cap
The table below lists competitors of Kemper Corporation ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Live Oak Bancshares, Inc.
NYSE:LOB
|
$1.71 Billion |
|
AG Anadolu Group Holding
IS:AGHOL
|
$1.71 Billion |
|
Argan SA
PA:ARG
|
$1.71 Billion |
|
Tien Phong Commercial Joint Stock Bank
VN:TPB
|
$1.71 Billion |
|
Companhia Siderurgica Nacional ADR
NYSE:SID
|
$1.71 Billion |
|
Eramet SA
PA:ERA
|
$1.71 Billion |
|
Sunwave Communications Co Ltd
SHE:002115
|
$1.71 Billion |
|
Beijing Capital Development Co Ltd
SHG:600376
|
$1.71 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Kemper Corporation's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 2,788,400,000 to 2,681,400,000, a change of -107,000,000 (-3.8%).
- Net income of 143,300,000 contributed positively to equity growth.
- Dividend payments of 79,600,000 reduced retained earnings.
- Share repurchases of 301,900,000 reduced equity.
- Other comprehensive income increased equity by 98,300,000.
- Other factors increased equity by 32,900,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $143.30 Million | +5.34% |
| Dividends Paid | $79.60 Million | -2.97% |
| Share Repurchases | $301.90 Million | -11.26% |
| Other Comprehensive Income | $98.30 Million | +3.67% |
| Other Changes | $32.90 Million | +1.23% |
| Total Change | $- | -3.84% |
Book Value vs Market Value Analysis
This analysis compares Kemper Corporation's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.80x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.14x to 0.80x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1988-12-31 | $15.92 | $34.15 | x |
| 1989-12-31 | $16.99 | $34.15 | x |
| 1990-12-31 | $17.08 | $34.15 | x |
| 1991-12-31 | $17.78 | $34.15 | x |
| 1992-12-31 | $18.84 | $34.15 | x |
| 1993-12-31 | $20.32 | $34.15 | x |
| 1994-12-31 | $17.48 | $34.15 | x |
| 1995-12-31 | $18.73 | $34.15 | x |
| 1996-12-31 | $19.44 | $34.15 | x |
| 1997-12-31 | $20.28 | $34.15 | x |
| 1998-12-31 | $23.23 | $34.15 | x |
| 1999-12-31 | $23.41 | $34.15 | x |
| 2000-12-31 | $24.68 | $34.15 | x |
| 2001-12-31 | $28.18 | $34.15 | x |
| 2002-12-31 | $26.38 | $34.15 | x |
| 2003-12-31 | $26.78 | $34.15 | x |
| 2004-12-31 | $29.54 | $34.15 | x |
| 2005-12-31 | $30.99 | $34.15 | x |
| 2006-12-31 | $33.48 | $34.15 | x |
| 2007-12-31 | $34.90 | $34.15 | x |
| 2008-12-31 | $26.30 | $34.15 | x |
| 2009-12-31 | $30.85 | $34.15 | x |
| 2010-12-31 | $34.22 | $34.15 | x |
| 2011-12-31 | $36.77 | $34.15 | x |
| 2012-12-31 | $36.38 | $34.15 | x |
| 2013-12-31 | $36.00 | $34.15 | x |
| 2014-12-31 | $38.81 | $34.15 | x |
| 2015-12-31 | $38.55 | $34.15 | x |
| 2016-12-31 | $38.57 | $34.15 | x |
| 2017-12-31 | $41.02 | $34.15 | x |
| 2018-12-31 | $51.91 | $34.15 | x |
| 2019-12-31 | $59.69 | $34.15 | x |
| 2020-12-31 | $68.39 | $34.15 | x |
| 2021-12-31 | $62.36 | $34.15 | x |
| 2022-12-31 | $38.28 | $34.15 | x |
| 2023-12-31 | $39.13 | $34.15 | x |
| 2024-12-31 | $43.05 | $34.15 | x |
| 2025-12-31 | $42.83 | $34.15 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Kemper Corporation utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 5.34%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 2.99%
- • Asset Turnover: 0.38x
- • Equity Multiplier: 4.65x
- Recent ROE (5.34%) is below the historical average (6.86%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1988 | 11.43% | 16.49% | 0.32x | 2.16x | $25.20 Million |
| 1989 | 5.65% | 9.25% | 0.28x | 2.19x | $-81.81 Million |
| 1990 | 7.03% | 10.41% | 0.30x | 2.23x | $-55.95 Million |
| 1991 | 7.25% | 10.75% | 0.30x | 2.26x | $-51.94 Million |
| 1992 | 6.32% | 8.78% | 0.30x | 2.37x | $-71.95 Million |
| 1993 | 4.53% | 7.05% | 0.28x | 2.33x | $-114.85 Million |
| 1994 | 8.41% | 10.61% | 0.31x | 2.59x | $-28.11 Million |
| 1995 | 9.88% | 10.09% | 0.31x | 3.16x | $-1.85 Million |
| 1996 | 8.95% | 8.42% | 0.32x | 3.29x | $-15.53 Million |
| 1997 | 7.69% | 7.58% | 0.32x | 3.21x | $-35.40 Million |
| 1998 | 28.03% | 24.49% | 0.35x | 3.24x | $328.56 Million |
| 1999 | 11.71% | 11.08% | 0.31x | 3.46x | $29.30 Million |
| 2000 | 5.35% | 4.66% | 0.32x | 3.62x | $-79.12 Million |
| 2001 | 19.87% | 15.03% | 0.36x | 3.72x | $189.22 Million |
| 2002 | -0.45% | -0.36% | 0.30x | 4.28x | $-188.44 Million |
| 2003 | 6.80% | 4.63% | 0.31x | 4.69x | $-58.29 Million |
| 2004 | 11.78% | 8.52% | 0.32x | 4.31x | $36.33 Million |
| 2005 | 11.84% | 9.03% | 0.31x | 4.26x | $39.73 Million |
| 2006 | 12.39% | 9.91% | 0.31x | 4.08x | $54.70 Million |
| 2007 | 8.94% | 7.08% | 0.31x | 4.09x | $-24.38 Million |
| 2008 | -1.80% | -1.08% | 0.31x | 5.35x | $-194.46 Million |
| 2009 | 8.59% | 5.61% | 0.34x | 4.47x | $-27.06 Million |
| 2010 | 8.73% | 6.99% | 0.32x | 3.96x | $-26.74 Million |
| 2011 | 3.36% | 2.99% | 0.31x | 3.65x | $-147.11 Million |
| 2012 | 4.78% | 4.20% | 0.31x | 3.71x | $-112.77 Million |
| 2013 | 10.61% | 8.97% | 0.32x | 3.73x | $12.55 Million |
| 2014 | 5.48% | 5.21% | 0.28x | 3.75x | $-94.57 Million |
| 2015 | 4.30% | 3.66% | 0.29x | 4.03x | $-113.54 Million |
| 2016 | 0.85% | 0.67% | 0.31x | 4.16x | $-180.72 Million |
| 2017 | 5.71% | 4.53% | 0.32x | 3.96x | $-90.66 Million |
| 2018 | 6.23% | 5.15% | 0.32x | 3.79x | $-114.91 Million |
| 2019 | 13.37% | 10.58% | 0.39x | 3.27x | $133.87 Million |
| 2020 | 8.98% | 7.92% | 0.36x | 3.14x | $-46.44 Million |
| 2021 | -3.09% | -2.20% | 0.38x | 3.72x | $-524.47 Million |
| 2022 | -11.73% | -5.26% | 0.41x | 5.47x | $-530.92 Million |
| 2023 | -13.86% | -7.02% | 0.39x | 5.09x | $-597.62 Million |
| 2024 | 11.40% | 6.86% | 0.37x | 4.53x | $38.96 Million |
| 2025 | 5.34% | 2.99% | 0.38x | 4.65x | $-124.84 Million |
Industry Comparison
This section compares Kemper Corporation's net assets metrics with peer companies in the Insurance - Property & Casualty industry.
Industry Context
- Industry: Insurance - Property & Casualty
- Average net assets among peers: $6,491,397,700
- Average return on equity (ROE) among peers: 17.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Kemper Corporation (KMPR) | $2.67 Billion | 11.43% | 3.67x | $1.71 Billion |
| American Coastal Insurance Corp (ACIC) | $42.93 Million | 77.85% | 4.43x | $551.54 Million |
| American Financial Group Inc (AFG) | $2.06 Billion | -2.72% | 6.98x | $10.94 Billion |
| Aspen Insurance Holdings Limited (AHL) | $3.42 Billion | 9.42% | 2.23x | $120.77 Million |
| American Integrity Insurance Group, Inc. (AII) | $133.97 Million | 28.21% | 5.43x | $372.20 Million |
| Assurant Inc (AIZ) | $3.72 Billion | 12.87% | 5.81x | $10.94 Billion |
| The Allstate Corporation (ALL) | $16.72 Billion | 5.11% | 6.93x | $54.30 Billion |
| Ategrity Specialty Insurance Company Holdings (ASIC) | $-243.54 Million | 0.00% | 0.00x | $943.55 Million |
| Bowhead Specialty Holdings Inc. (BOW) | $370.44 Million | 10.32% | 3.47x | $797.28 Million |
| Chubb Ltd (CB) | $28.82 Billion | 13.04% | 2.28x | $127.02 Billion |
| Cincinnati Financial Corporation (CINF) | $9.86 Billion | 20.25% | 1.58x | $25.23 Billion |
About Kemper Corporation
Kemper Corporation, an insurance holding company, provides insurance products in the United States. It operates in two segments, Specialty Property & Casualty Insurance, and Life Insurance. The Specialty Property & Casualty Insurance segment primarily offers specialty personal automobile and commercial automobile insurance through independent agents and brokers. The Life Insurance segment primari… Read more