Kemper (KMPR) Financials

$49.76 -0.36 (-0.71%)

Closing price 03:59 PM Eastern

Extended Trading

$49.76 -0.01 (-0.02%)

As of 04:10 PM Eastern

Annual Income Statements for Kemper

This table shows Kemper's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	86	17	121	190	531	410	-124	-287	-272	318
Consolidated Net Income / (Loss)	86	17	121	190	517	410	-124	-287	-272	313
Net Income / (Loss) Continuing Operations	80	13	120	188	517	410	-124	-287	-272	313
Total Pre-Tax Income	100	3.50	161	199	648	510	-249	-371	-347	389
Total Revenue	2,341	2,555	2,738	3,725	5,039	5,225	5,730	5,550	4,945	4,644
Net Interest Income / (Expense)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Interest Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Non-Interest Income	2,341	2,555	2,738	3,725	5,053	5,225	5,730	5,550	4,945	4,644
Other Service Charges	3.70	3.20	4.00	42	36	95	4.80	9.20	7.20	8.20
Net Realized & Unrealized Capital Gains on Investments	328	331	384	363	545	458	431	347	406	423
Premiums Earned	2,010	2,220	2,350	3,384	4,472	4,672	5,179	5,213	4,529	4,216
Other Non-Interest Income	-	-	-	-64	-	0.00	115	-20	2.90	-2.70
Total Non-Interest Expense	2,241	2,551	2,577	3,526	4,391	4,715	5,979	5,921	5,292	4,256
Current and Future Benefits	-	-	1,837	2,467	3,188	3,324	4,520	4,433	3,820	3,013
Other Operating Expenses	753	738	725	1,060	1,184	1,372	1,448	1,459	1,422	1,237
Impairment Charge	11	33	14	-	14	20	11	26	51	5.80
Other Special Charges	9.10	-	0.00	0.00	5.80	0.00	0.00	3.70	0.00	0.00
Income Tax Expense	20	-9.20	41	11	131	100	-126	-84	-75	76
Net Income / (Loss) Attributable to Noncontrolling Interest	-	-	-	-	-	-	0.00	0.00	-0.20	-5.30
Basic Earnings per Share	$1.65	$0.33	$2.34	$3.25	$8.04	$6.24	($1.92)	($4.50)	($4.25)	$4.95
Weighted Average Basic Shares Outstanding	51.61M	51.16M	51.35M	58.15M	66.67M	65.45M	63.69M	63.96M	64.32M	63.90M
Diluted Earnings per Share	$1.65	$0.33	$2.33	$3.22	$7.96	$6.14	($1.92)	($4.50)	($4.25)	$4.91
Weighted Average Diluted Shares Outstanding	51.61M	51.16M	51.35M	58.15M	66.67M	65.45M	63.69M	63.96M	64.32M	63.90M
Weighted Average Basic & Diluted Shares Outstanding	51.61M	51.16M	51.35M	58.15M	66.67M	65.45M	63.69M	63.96M	64.32M	63.90M
Cash Dividends to Common per Share	$0.96	$0.96	$0.96	$0.96	$1.03	$1.20	$1.24	$1.24	$1.24	$1.24

This table shows Kemper's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Income / (Loss) Attributable to Common Shareholders	-75	-53	-80	-97	-146	51	71	75	74	97	100
Consolidated Net Income / (Loss)	-75	-53	-80	-97	-146	51	70	74	72	96	97
Net Income / (Loss) Continuing Operations	-75	-53	-80	-97	-146	51	70	74	72	96	97
Total Pre-Tax Income	-88	-73	-104	-116	-191	64	87	92	91	119	120
Total Revenue	1,362	1,400	1,295	1,263	1,199	1,188	1,143	1,130	1,179	1,193	1,193
Net Interest Income / (Expense)	0.00	-	0.00	0.00	0.00	-	0.00	0.00	0.00	-	0.00
Total Interest Income	0.00	-	0.00	0.00	0.00	-	0.00	0.00	0.00	-	0.00
Total Interest Expense	0.00	-	0.00	0.00	0.00	-	0.00	0.00	0.00	-	0.00
Total Non-Interest Income	1,362	1,387	1,295	1,263	1,199	1,188	1,143	1,130	1,179	1,193	1,193
Other Service Charges	4.00	1.90	1.20	1.70	2.40	1.90	1.80	2.40	2.20	1.80	2.60
Net Realized & Unrealized Capital Gains on Investments	66	119	112	91	76	127	110	94	110	108	102
Premiums Earned	1,291	1,265	1,181	1,167	1,118	1,064	1,032	1,034	1,069	1,082	1,088
Other Non-Interest Income	0.40	1.30	0.70	3.20	3.60	-4.60	-1.10	-0.60	-1.80	0.80	0.40
Total Non-Interest Expense	1,449	1,473	1,399	1,379	1,390	1,125	1,056	1,038	1,088	1,073	1,073
Current and Future Benefits	1,085	1,073	1,052	985	975	808	756	744	769	743	767
Other Operating Expenses	364	375	347	344	415	316	300	294	319	324	306
Income Tax Expense	-13	-20	-24	-19	-44	12	16	18	19	24	23
Net Income / (Loss) Attributable to Noncontrolling Interest	0.00	-	0.00	0.00	-0.10	-0.10	-1.10	-1.00	-1.50	-1.70	-2.70
Basic Earnings per Share	($1.17)	($0.84)	($1.25)	($1.52)	($2.28)	$0.80	$1.11	$1.17	$1.15	$1.52	$1.56
Weighted Average Basic Shares Outstanding	63.89M	63.96M	63.99M	64.06M	64.09M	64.32M	64.38M	64.43M	64.05M	63.90M	63.99M
Diluted Earnings per Share	($1.17)	($0.84)	($1.25)	($1.52)	($2.28)	$0.80	$1.10	$1.16	$1.14	$1.51	$1.54
Weighted Average Diluted Shares Outstanding	63.89M	63.96M	63.99M	64.06M	64.09M	64.32M	64.38M	64.43M	64.05M	63.90M	63.99M
Weighted Average Basic & Diluted Shares Outstanding	63.89M	63.96M	63.99M	64.06M	64.09M	64.32M	64.38M	64.43M	64.05M	63.90M	63.99M
Cash Dividends to Common per Share	$0.31	-	$0.31	$0.31	$0.31	-	$0.31	$0.31	$0.31	-	$0.32

This table details how cash moves in and out of Kemper's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	86	-46	-70	29	62	69	-58	64	-148	1.30
Net Cash From Operating Activities	215	241	241	539	534	448	351	-210	-134	383
Net Cash From Continuing Operating Activities	215	241	241	539	534	448	351	-210	-134	383
Net Income / (Loss) Continuing Operations	86	17	121	190	531	410	-124	-287	-272	313
Consolidated Net Income / (Loss)	86	17	121	190	531	410	-124	-287	-272	313
Depreciation Expense	30	30	30	16	33	36	46	71	59	54
Non-Cash Adjustments to Reconcile Net Income	-15	9.70	-49	53	-206	-31	-141	116	131	35
Changes in Operating Assets and Liabilities, net	100	178	134	124	146	14	515	-110	-51	-18
Net Cash From Investing Activities	-29	-238	-105	-498	-633	-757	-118	-108	108	-244
Net Cash From Continuing Investing Activities	-29	-238	-105	-498	-633	-757	-118	-108	108	-244
Purchase of Investment Securities	-1,031	-1,032	-1,132	-3,004	-1,909	-1,806	-1,950	-2,098	-930	-1,722
Divestitures	-	-	-	-	-	0.00	0.00	15	0.00	0.00
Sale and/or Maturity of Investments	1,012	812	1,027	3,062	1,276	1,049	1,832	1,975	1,038	1,477
Net Cash From Financing Activities	-101	-48	-205	-12	161	378	-290	383	-122	-137
Net Cash From Continuing Financing Activities	-101	-48	-205	-12	161	378	-290	383	-122	-137
Issuance of Debt	247	0.00	203	262	50	397	0.00	877	0.00	0.00
Repayment of Debt	-259	0.00	-363	-218	-569	-306	-444	-420	-46	-121
Repurchase of Common Equity	-45	-3.80	-	0.00	0.00	-110	-162	0.00	0.00	-39
Payment of Dividends	-50	-49	-50	-56	-68	-79	-81	-80	-80	-80
Other Financing Activities, Net	5.40	4.60	4.00	0.00	620	477	396	5.50	3.80	102
Cash Interest Paid	-	-	-	-	-	-	44	52	55	55
Cash Income Taxes Paid	-	-	-	-	-	-	-38	-0.70	107	-11

This table details how cash moves in and out of Kemper's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Change in Cash & Equivalents	-96	-40	-152	13	39	-48	63	-19	-51	8.50	50
Net Cash From Operating Activities	-80	-40	5.20	-71	-39	-30	43	23	142	175	180
Net Cash From Continuing Operating Activities	-80	-40	5.20	-71	-39	-30	43	23	142	175	180
Net Income / (Loss) Continuing Operations	-75	-53	-80	-97	-146	51	70	74	72	96	97
Consolidated Net Income / (Loss)	-75	-53	-80	-97	-146	51	70	74	72	96	97
Depreciation Expense	12	32	12	14	13	20	11	11	11	20	13
Non-Cash Adjustments to Reconcile Net Income	36	2.70	-10	60	96	-15	-2.90	14	4.50	19	-0.70
Changes in Operating Assets and Liabilities, net	-58	-5.60	79	-52	-4.60	-74	-39	-78	52	47	71
Net Cash From Investing Activities	2.90	21	-138	103	140	2.70	39	-6.70	-122	-155	351
Net Cash From Continuing Investing Activities	2.90	21	-138	103	140	2.70	39	-6.70	-122	-155	351
Purchase of Investment Securities	-537	-374	-334	-237	-110	-249	-342	-360	-446	-573	96
Sale and/or Maturity of Investments	535	385	195	340	251	252	382	354	323	419	255
Net Cash From Financing Activities	-19	-21	-19	-19	-63	-21	-20	-36	-70	-12	-481
Net Cash From Continuing Financing Activities	-17	-23	-19	-19	-63	-21	-20	-36	-70	-12	-481
Issuance of Debt	320	16	-	-	-	-	26	34	3.70	-63	20
Repayment of Debt	-29	-20	-90	-26	-53	123	-21	-50	-30	-20	-476
Repurchase of Common Equity	-	-	-	-	-	-	-	-	-	-14	-4.00
Payment of Dividends	-20	-20	-19	-20	-20	-20	-20	-20	-20	-20	-20
Other Financing Activities, Net	-288	1.40	91	27	9.90	-124	-5.10	1.30	1.30	105	-1.00
Cash Interest Paid	-	-	125	-97	20	7.30	10	17	25	2.50	25
Cash Income Taxes Paid	-	-	25	90	-1.00	-6.80	20	-15	-16	-0.70	0.00

This table presents Kemper's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	8,036	8,211	8,376	11,545	12,989	14,342	14,917	13,314	12,743	12,630
Cash and Due from Banks	162	116	46	75	137	206	148	212	64	64
Trading Account Securities	5,376	5,607	5,909	7,150	7,871	8,730	9,099	7,371	8,141	7,652
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Unearned Premiums Asset	332	337	366	1,007	1,117	1,195	1,419	1,287	960	978
Deferred Acquisition Cost	316	332	365	470	538	589	678	636	592	629
Goodwill	323	323	323	1,112	1,114	1,114	1,312	1,300	1,251	1,251
Other Assets	1,527	1,497	1,368	1,730	2,212	2,508	1,319	2,507	1,733	2,043
Total Liabilities & Shareholders' Equity	8,036	8,211	8,376	11,545	12,989	14,342	14,917	13,314	12,743	12,630
Total Liabilities	6,044	6,235	6,261	8,495	9,017	9,779	1,349	10,643	10,238	9,846
Short-Term Debt	-	-	-	-	-	-	-	-	0.00	450
Long-Term Debt	751	752	592	909	1,088	1,640	1,122	2,088	1,389	942
Claims and Claim Expense	863	931	1,017	5,367	1,970	1,983	-	2,757	6,103	5,812
Unearned Premiums Liability	613	619	654	1,424	1,546	1,615	-	1,704	1,301	1,275
Participating Policy Holder Equity	-	-	-	-	-	-	-	-	656	638
Other Long-Term Liabilities	476	458	477	795	911	1,014	227	817	788	720
Total Equity & Noncontrolling Interests	1,992	1,975	2,116	3,050	3,972	4,563	4,008	2,671	2,505	2,784
Total Preferred & Common Equity	1,992	1,975	2,116	3,050	3,972	4,563	4,008	2,671	2,505	2,788
Total Common Equity	1,992	1,975	2,116	3,050	3,972	4,563	4,001	2,671	2,505	2,788
Common Stock	659	665	678	1,673	1,826	1,812	1,791	1,819	1,852	1,861
Retained Earnings	1,209	1,173	1,243	1,356	1,810	2,071	1,763	1,366	1,014	1,232
Accumulated Other Comprehensive Income / (Loss)	124	137	194	22	336	681	448	-515	-361	-305
Noncontrolling Interest	-	-	-	-	-	-	-	-	-0.20	-4.10

This table presents Kemper's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025
Total Assets	13,458	13,404	13,096	12,549	12,626	12,544	12,873	12,467
Cash and Due from Banks	249	61	74	112	127	107	57	115
Trading Account Securities	7,180	7,669	7,467	6,951	7,006	7,125	7,322	6,990
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Unearned Premiums Asset	1,346	1,344	1,246	1,103	953	988	983	1,065
Deferred Acquisition Cost	635	652	646	622	595	608	621	651
Goodwill	1,299	1,300	1,251	1,251	1,251	1,251	1,251	1,251
Other Assets	2,829	1,537	2,493	2,511	2,691	2,459	2,632	2,396
Total Liabilities & Shareholders' Equity	13,458	13,404	13,096	12,549	12,626	12,544	12,873	12,467
Total Liabilities	11,020	2,158	10,584	10,188	10,037	9,875	10,103	9,556
Short-Term Debt	-	-	-	-	450	450	450	0.00
Long-Term Debt	2,090	1,388	2,088	2,045	940	1,390	1,391	942
Claims and Claim Expense	2,720	-	2,680	2,725	11,784	11,541	12,031	11,749
Unearned Premiums Liability	1,795	-	1,665	1,485	1,277	1,306	1,298	1,376
Participating Policy Holder Equity	-	-	-	-	661	644	618	632
Other Long-Term Liabilities	4,415	770	4,151	3,934	817	762	777	724
Total Equity & Noncontrolling Interests	2,438	2,647	2,512	2,361	2,589	2,669	2,770	2,912
Total Preferred & Common Equity	2,438	2,647	2,512	2,361	2,590	2,671	2,773	2,918
Total Common Equity	2,438	2,641	2,512	2,361	2,590	2,671	2,773	2,918
Common Stock	1,829	1,829	1,844	1,852	1,859	1,867	1,864	1,870
Retained Earnings	1,456	1,266	1,149	982	1,066	1,121	1,161	1,309
Accumulated Other Comprehensive Income / (Loss)	-847	-455	-481	-473	-335	-317	-253	-261
Noncontrolling Interest	-	-	-	-0.10	-1.10	-1.90	-2.90	-6.10

This table displays calculated financial ratios and metrics derived from Kemper's official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	6.56%	9.13%	7.17%	36.07%	35.28%	3.69%	9.65%	-3.14%	-10.89%	-6.08%
EBITDA Growth	-26.91%	-73.02%	400.00%	89.29%	91.46%	-20.44%	-126.46%	-100.74%	3.87%	253.28%
EBIT Growth	-37.39%	-96.51%	4,502.86%	23.59%	225.36%	-21.26%	-148.87%	-48.82%	6.44%	211.93%
NOPAT Growth	-28.77%	-84.16%	844.09%	57.13%	174.58%	-20.76%	-142.57%	-48.82%	6.44%	228.62%
Net Income Growth	-25.15%	-80.40%	619.64%	57.24%	172.12%	-20.76%	-130.18%	-131.69%	4.99%	214.76%
EPS Growth	-22.17%	-80.00%	606.06%	38.20%	147.21%	-22.86%	-131.27%	-134.38%	5.56%	215.53%
Operating Cash Flow Growth	60.93%	11.86%	0.04%	124.11%	-0.91%	-16.15%	-21.72%	-159.97%	36.19%	385.32%
Free Cash Flow Firm Growth	350.70%	-83.94%	380.28%	-865.71%	45.04%	-25.46%	-1,081.88%	211.66%	-93.57%	-95.05%
Invested Capital Growth	-3.51%	-0.59%	-0.69%	46.21%	27.82%	22.58%	136.81%	-67.60%	-18.17%	7.23%
Revenue Q/Q Growth	0.12%	2.00%	1.67%	11.45%	3.90%	2.49%	-0.07%	-0.11%	-4.11%	0.12%
EBITDA Q/Q Growth	-39.05%	2,713.33%	1.55%	0.05%	17.70%	-4.19%	-228.66%	19.76%	30.88%	15.76%
EBIT Q/Q Growth	-48.56%	109.04%	2.29%	-16.06%	26.82%	-4.22%	-1,198.24%	17.46%	28.21%	16.77%
NOPAT Q/Q Growth	-43.60%	146.88%	6.01%	-14.09%	25.74%	-3.17%	-310.76%	17.46%	28.21%	16.56%
Net Income Q/Q Growth	-41.50%	271.43%	4.95%	-13.79%	25.28%	-3.17%	-249.40%	16.27%	27.75%	16.56%
EPS Q/Q Growth	-40.86%	273.68%	4.48%	-16.58%	29.01%	-6.26%	-266.96%	14.77%	27.84%	16.90%
Operating Cash Flow Q/Q Growth	6.54%	10.37%	2.60%	27.95%	-4.66%	6.90%	-30.46%	-65.59%	7.26%	114.99%
Free Cash Flow Firm Q/Q Growth	-19.50%	137.54%	-47.30%	17.84%	-176.04%	-155.60%	-5,605.41%	959.89%	387.06%	-51.11%
Invested Capital Q/Q Growth	-1.15%	-3.47%	1.25%	-5.45%	5.20%	12.37%	155.24%	5.10%	-11.62%	-9.44%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	6.21%	1.53%	7.16%	9.96%	14.10%	10.81%	-2.61%	-5.41%	-5.83%	9.52%
EBIT Margin	4.28%	0.14%	5.88%	5.34%	12.86%	9.76%	-4.35%	-6.69%	-7.02%	8.36%
Profit (Net Income) Margin	3.66%	0.66%	4.42%	5.10%	10.27%	7.84%	-2.16%	-5.16%	-5.51%	6.73%
Tax Burden Percent	85.44%	480.00%	75.05%	95.48%	79.85%	80.36%	49.62%	77.25%	78.45%	80.44%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	20.04%	-262.86%	25.57%	5.37%	20.15%	19.64%	0.00%	0.00%	0.00%	19.56%
Return on Invested Capital (ROIC)	2.87%	0.46%	4.41%	5.65%	11.47%	7.28%	-1.67%	-2.67%	-5.62%	7.74%
ROIC Less NNEP Spread (ROIC-NNEP)	3.60%	1.01%	4.56%	5.88%	11.47%	7.28%	-0.85%	-3.09%	-7.30%	7.74%
Return on Net Nonoperating Assets (RNNOA)	1.33%	0.38%	1.50%	1.71%	3.26%	2.33%	-1.22%	-5.91%	-4.91%	4.07%
Return on Equity (ROE)	4.20%	0.85%	5.91%	7.36%	14.73%	9.60%	-2.89%	-8.58%	-10.52%	11.82%
Cash Return on Invested Capital (CROIC)	6.44%	1.06%	5.11%	-31.88%	-12.95%	-13.01%	-82.91%	99.45%	14.37%	0.76%
Operating Return on Assets (OROA)	1.26%	0.04%	1.94%	2.00%	5.28%	3.73%	-1.70%	-2.63%	-2.66%	3.06%
Return on Assets (ROA)	1.08%	0.21%	1.46%	1.91%	4.22%	3.00%	-0.85%	-2.03%	-2.09%	2.46%
Return on Common Equity (ROCE)	4.20%	0.85%	5.91%	7.36%	14.73%	9.60%	-2.88%	-8.57%	-10.52%	11.83%
Return on Equity Simple (ROE_SIMPLE)	4.30%	0.85%	5.71%	6.23%	13.02%	8.98%	-3.09%	-10.73%	-10.87%	11.21%
Net Operating Profit after Tax (NOPAT)	80	13	120	188	517	410	-175	-260	-243	313
NOPAT Margin	3.43%	0.50%	4.38%	5.06%	10.27%	7.84%	-3.05%	-4.68%	-4.91%	6.73%
Net Nonoperating Expense Percent (NNEP)	-0.73%	-0.55%	-0.15%	-0.23%	0.00%	0.00%	-0.82%	0.42%	1.69%	0.00%
SG&A Expenses to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	95.72%	99.86%	94.12%	94.66%	87.14%	90.24%	104.35%	106.69%	107.02%	91.64%
Earnings before Interest and Taxes (EBIT)	100	3.50	161	199	648	510	-249	-371	-347	389
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	145	39	196	371	710	565	-150	-300	-289	442
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.80	0.99	1.47	1.26	1.18	1.01	0.88	1.12	1.22	1.53
Price to Tangible Book Value (P/TBV)	0.96	1.18	1.74	1.98	1.63	1.34	1.30	2.19	2.44	2.77
Price to Revenue (P/Rev)	0.68	0.77	1.14	1.03	0.93	0.88	0.61	0.54	0.62	0.92
Price to Earnings (P/E)	18.62	116.32	25.79	20.16	8.79	11.27	0.00	0.00	0.00	13.39
Dividend Yield	3.08%	2.51%	1.58%	1.62%	1.47%	1.70%	2.25%	2.64%	2.60%	1.87%
Earnings Yield	5.37%	0.86%	3.88%	4.96%	11.38%	8.87%	0.00%	0.00%	0.00%	7.47%
Enterprise Value to Invested Capital (EV/IC)	0.80	0.95	1.35	1.18	1.11	0.98	0.30	1.03	1.13	1.34
Enterprise Value to Revenue (EV/Rev)	0.93	1.01	1.34	1.25	1.12	1.16	0.78	0.88	0.89	1.20
Enterprise Value to EBITDA (EV/EBITDA)	15.04	66.07	18.70	12.58	7.91	10.71	0.00	0.00	0.00	12.61
Enterprise Value to EBIT (EV/EBIT)	21.78	740.04	22.75	23.44	8.67	11.87	0.00	0.00	0.00	14.36
Enterprise Value to NOPAT (EV/NOPAT)	27.24	203.95	30.56	24.77	10.86	14.77	0.00	0.00	0.00	17.85
Enterprise Value to Operating Cash Flow (EV/OCF)	10.16	10.77	15.23	8.66	10.52	13.51	12.76	0.00	0.00	14.57
Enterprise Value to Free Cash Flow (EV/FCFF)	12.14	89.62	26.40	0.00	0.00	0.00	0.00	0.50	7.05	181.11
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.38	0.38	0.28	0.30	0.27	0.36	0.28	0.78	0.55	0.50
Long-Term Debt to Equity	0.38	0.38	0.28	0.30	0.27	0.36	0.28	0.78	0.55	0.34
Financial Leverage	0.37	0.38	0.33	0.29	0.28	0.32	1.44	1.91	0.67	0.53
Leverage Ratio	3.89	4.09	4.05	3.86	3.49	3.20	3.41	4.23	5.03	4.80
Compound Leverage Factor	3.89	4.09	4.05	3.86	3.49	3.20	3.41	4.23	5.03	4.80
Debt to Total Capital	27.36%	27.56%	21.87%	22.96%	21.50%	26.43%	21.87%	43.88%	35.67%	33.32%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	10.77%
Long-Term Debt to Total Capital	27.36%	27.56%	21.87%	22.96%	21.50%	26.43%	21.87%	43.88%	35.67%	22.55%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-0.01%	-0.10%
Common Equity to Total Capital	72.64%	72.44%	78.13%	77.04%	78.50%	73.57%	78.00%	56.12%	64.33%	66.77%
Debt to EBITDA	5.17	19.17	3.02	2.45	1.53	2.90	-7.50	-6.96	-4.82	3.15
Net Debt to EBITDA	4.05	16.22	2.79	2.25	1.34	2.54	-6.51	-6.25	-4.59	3.00
Long-Term Debt to EBITDA	5.17	19.17	3.02	2.45	1.53	2.90	-7.50	-6.96	-4.82	2.13
Debt to NOPAT	9.36	59.18	4.94	4.82	2.10	4.00	-6.43	-8.04	-5.72	4.45
Net Debt to NOPAT	7.34	50.07	4.56	4.43	1.84	3.50	-5.58	-7.22	-5.45	4.25
Long-Term Debt to NOPAT	9.36	59.18	4.94	4.82	2.10	4.00	-6.43	-8.04	-5.72	3.01
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.07%	0.10%	0.00%	-0.08%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	180	29	139	-1,063	-584	-733	-8,661	9,671	622	31
Operating Cash Flow to CapEx	2,415.73%	1,366.48%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.30	0.31	0.33	0.37	0.41	0.38	0.39	0.39	0.38	0.37
Fixed Asset Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	2,743	2,727	2,708	3,959	5,061	6,203	14,690	4,759	3,894	4,176
Invested Capital Turnover	0.84	0.93	1.01	1.12	1.12	0.93	0.55	0.57	1.14	1.15
Increase / (Decrease) in Invested Capital	-100	-16	-19	1,251	1,101	1,143	8,486	-9,931	-865	282
Enterprise Value (EV)	2,185	2,590	3,665	4,667	5,619	6,053	4,475	4,878	4,383	5,578
Market Capitalization	1,596	1,954	3,118	3,833	4,668	4,619	3,502	3,002	3,058	4,255
Book Value per Share	$38.87	$38.59	$41.12	$47.11	$59.60	$69.77	$62.86	$41.80	$39.09	$43.54
Tangible Book Value per Share	$32.57	$32.28	$34.84	$29.93	$42.89	$52.74	$42.25	$21.45	$19.57	$24.01
Total Capital	2,743	2,727	2,708	3,959	5,061	6,203	5,130	4,759	3,894	4,176
Total Debt	751	752	592	909	1,088	1,640	1,122	2,088	1,389	1,392
Total Long-Term Debt	751	752	592	909	1,088	1,640	1,122	2,088	1,389	942
Net Debt	589	636	547	834	951	1,434	974	1,876	1,325	1,327
Capital Expenditures (CapEx)	8.90	18	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	-5.50	-4.10	-1.00	-1.70	0.00	0.00	-51	27	29	0.00
Net Nonoperating Obligations (NNO)	751	752	592	909	1,088	1,640	10,682	2,088	1,389	1,392
Total Depreciation and Amortization (D&A)	45	36	35	172	63	55	100	71	59	54
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.65	$0.33	$2.34	$3.25	$8.04	$6.24	($1.87)	($4.72)	($4.25)	$4.95
Adjusted Weighted Average Basic Shares Outstanding	51.33M	51.29M	51.46M	64.76M	66.67M	65.45M	63.69M	63.96M	64.32M	63.90M
Adjusted Diluted Earnings per Share	$1.65	$0.33	$2.33	$3.22	$7.96	$6.14	($1.87)	($4.72)	($4.25)	$4.91
Adjusted Weighted Average Diluted Shares Outstanding	51.33M	51.29M	51.46M	64.76M	66.67M	65.45M	63.69M	63.96M	64.32M	63.90M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	51.33M	51.29M	51.46M	64.76M	66.67M	65.45M	63.69M	63.96M	64.32M	63.90M
Normalized Net Operating Profit after Tax (NOPAT)	96	25	131	188	533	426	-167	-239	-207	317
Normalized NOPAT Margin	4.12%	0.99%	4.77%	5.06%	10.58%	8.14%	-2.91%	-4.31%	-4.20%	6.83%
Pre Tax Income Margin	4.28%	0.14%	5.88%	5.34%	12.86%	9.76%	-4.35%	-6.69%	-7.02%	8.36%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	57.99%	292.86%	40.94%	29.67%	13.11%	19.25%	-65.16%	-27.81%	-29.42%	25.63%
Augmented Payout Ratio	110.50%	315.48%	40.94%	29.67%	13.11%	46.18%	-195.88%	-27.81%	-29.42%	38.08%

This table displays calculated financial ratios and metrics derived from Kemper's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-6.49%	-0.44%	-5.50%	-10.93%	-11.91%	-15.15%	-11.72%	-10.52%	-1.71%	0.36%	4.37%
EBITDA Growth	31.72%	68.73%	8.74%	-28.10%	-147.59%	302.93%	215.39%	207.14%	159.38%	68.31%	30.73%
EBIT Growth	32.36%	51.85%	10.20%	-22.52%	-117.31%	187.11%	183.35%	179.29%	147.54%	87.87%	38.34%
NOPAT Growth	32.36%	51.85%	10.20%	-22.52%	-117.31%	200.53%	196.52%	191.70%	154.06%	86.55%	38.18%
Net Income Growth	0.66%	51.10%	7.18%	-34.49%	-95.72%	196.25%	187.64%	176.62%	149.32%	86.55%	38.18%
EPS Growth	0.85%	48.15%	8.09%	-34.51%	-94.87%	195.24%	188.00%	176.32%	150.00%	88.75%	40.00%
Operating Cash Flow Growth	-214.59%	-193.27%	128.57%	0.97%	51.81%	26.12%	726.92%	132.21%	467.62%	689.56%	318.60%
Free Cash Flow Firm Growth	458.15%	214.98%	-842.54%	-70.08%	-101.00%	-90.73%	210.08%	-36.06%	-1,039.79%	-120.31%	-97.46%
Invested Capital Growth	-21.32%	-67.60%	164.32%	-6.88%	-2.69%	-18.17%	-68.51%	-1.98%	4.65%	7.23%	-3.14%
Revenue Q/Q Growth	-3.96%	2.86%	-7.54%	-2.47%	-5.02%	-0.93%	-3.72%	-1.15%	4.34%	1.16%	0.03%
EBITDA Q/Q Growth	7.71%	42.07%	-54.13%	-11.74%	-78.37%	147.48%	40.56%	3.75%	-1.14%	34.59%	-5.30%
EBIT Q/Q Growth	7.19%	16.97%	-42.52%	-11.55%	-64.62%	133.28%	36.38%	6.12%	-1.31%	31.53%	0.42%
NOPAT Q/Q Growth	7.19%	16.97%	-42.52%	-11.55%	-64.62%	138.41%	36.84%	5.98%	-2.96%	32.55%	1.36%
Net Income Q/Q Growth	-3.60%	28.74%	-50.28%	-21.22%	-50.77%	135.04%	36.84%	5.98%	-2.96%	32.55%	1.36%
EPS Q/Q Growth	-3.54%	28.21%	-48.81%	-21.60%	-50.00%	135.09%	37.50%	5.45%	-1.72%	32.46%	1.99%
Operating Cash Flow Q/Q Growth	-11.56%	49.81%	112.94%	-1,467.31%	45.71%	23.06%	244.78%	-46.74%	519.65%	23.40%	2.80%
Free Cash Flow Firm Q/Q Growth	34.81%	747.57%	-180.23%	103.26%	-104.51%	7,955.06%	37.13%	-98.10%	-180.35%	-39.95%	219.30%
Invested Capital Q/Q Growth	-8.35%	5.10%	165.48%	-63.59%	-4.23%	-11.62%	356.18%	13.35%	2.26%	-9.44%	-7.72%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	-5.19%	-2.92%	-6.77%	-7.76%	-14.57%	6.98%	8.85%	9.29%	8.80%	11.71%	11.09%
EBIT Margin	-6.45%	-5.21%	-8.02%	-9.18%	-15.91%	5.34%	7.58%	8.13%	7.69%	10.00%	10.04%
Profit (Net Income) Margin	-5.49%	-3.81%	-6.19%	-7.69%	-12.21%	4.32%	6.14%	6.58%	6.12%	8.02%	8.13%
Tax Burden Percent	85.19%	73.11%	77.09%	83.78%	76.73%	80.79%	81.06%	80.96%	79.60%	80.22%	80.97%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	0.00%	0.00%	0.00%	0.00%	0.00%	19.21%	18.94%	19.04%	20.40%	19.78%	19.03%
Return on Invested Capital (ROIC)	-4.88%	-2.08%	-3.53%	-7.16%	-12.86%	4.93%	3.54%	6.74%	6.30%	9.24%	9.75%
ROIC Less NNEP Spread (ROIC-NNEP)	-5.60%	-2.12%	-3.66%	-7.93%	-13.48%	4.93%	3.54%	6.74%	6.30%	9.24%	9.75%
Return on Net Nonoperating Assets (RNNOA)	-3.14%	-4.04%	-6.89%	-6.18%	-11.61%	3.32%	7.70%	5.11%	4.77%	4.86%	4.13%
Return on Equity (ROE)	-8.02%	-6.12%	-10.42%	-13.34%	-24.47%	8.25%	11.24%	11.84%	11.07%	14.09%	13.88%
Cash Return on Invested Capital (CROIC)	17.75%	99.45%	-93.09%	1.54%	-4.85%	14.37%	102.88%	3.08%	1.40%	0.76%	11.85%
Operating Return on Assets (OROA)	-2.52%	-2.05%	-3.14%	-3.61%	-6.31%	2.03%	2.79%	2.96%	2.81%	3.66%	3.76%
Return on Assets (ROA)	-2.15%	-1.50%	-2.42%	-3.02%	-4.84%	1.64%	2.26%	2.39%	2.24%	2.94%	3.04%
Return on Common Equity (ROCE)	-8.02%	-6.12%	-10.41%	-13.34%	-24.47%	8.25%	11.23%	11.85%	11.08%	14.10%	13.90%
Return on Equity Simple (ROE_SIMPLE)	-14.04%	0.00%	-10.59%	-12.15%	-15.96%	0.00%	-4.71%	1.85%	9.67%	0.00%	11.63%
Net Operating Profit after Tax (NOPAT)	-61	-51	-73	-81	-134	51	70	74	72	96	97
NOPAT Margin	-4.51%	-3.64%	-5.62%	-6.42%	-11.14%	4.32%	6.14%	6.58%	6.12%	8.02%	8.13%
Net Nonoperating Expense Percent (NNEP)	0.72%	0.04%	0.13%	0.76%	0.62%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	106.45%	105.21%	108.02%	109.18%	115.91%	94.66%	92.42%	91.87%	92.31%	90.00%	89.96%
Earnings before Interest and Taxes (EBIT)	-88	-73	-104	-116	-191	64	87	92	91	119	120
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-71	-41	-88	-98	-175	83	101	105	104	140	132
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.03	1.12	1.28	1.19	1.11	1.22	1.52	1.42	1.42	1.53	1.46
Price to Tangible Book Value (P/TBV)	2.21	2.19	2.51	2.38	2.37	2.44	2.93	2.68	2.59	2.77	2.56
Price to Revenue (P/Rev)	0.45	0.54	0.62	0.56	0.51	0.62	0.82	0.82	0.85	0.92	0.91
Price to Earnings (P/E)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	73.37	14.52	13.39	12.34
Dividend Yield	3.15%	2.64%	2.35%	2.65%	3.02%	2.60%	2.02%	2.10%	2.02%	1.87%	1.87%
Earnings Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.36%	6.89%	7.47%	8.10%
Enterprise Value to Invested Capital (EV/IC)	0.96	1.03	0.37	1.09	1.04	1.13	1.30	1.23	1.24	1.34	1.32
Enterprise Value to Revenue (EV/Rev)	0.78	0.88	0.86	0.94	0.88	0.89	1.08	1.19	1.23	1.20	1.08
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	53.49	14.99	12.61	10.76
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	108.03	17.21	14.36	12.08
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	111.74	21.36	17.85	15.01
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	32.16	14.57	9.79
Enterprise Value to Free Cash Flow (EV/FCFF)	4.77	0.50	0.00	68.25	0.00	7.05	0.61	39.37	90.91	181.11	10.97
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.86	0.78	0.52	0.83	0.87	0.55	0.54	0.69	0.66	0.50	0.32
Long-Term Debt to Equity	0.86	0.78	0.52	0.83	0.87	0.55	0.36	0.52	0.50	0.34	0.32
Financial Leverage	0.56	1.91	1.88	0.78	0.86	0.67	2.17	0.76	0.76	0.53	0.42
Leverage Ratio	4.32	4.23	4.64	5.04	5.42	5.03	4.97	4.95	4.95	4.80	4.56
Compound Leverage Factor	4.32	4.23	4.64	5.04	5.42	5.03	4.97	4.95	4.95	4.80	4.56
Debt to Total Capital	46.17%	43.88%	34.39%	45.39%	46.41%	35.67%	34.93%	40.81%	39.92%	33.32%	24.45%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	11.30%	9.97%	9.76%	10.77%	0.00%
Long-Term Debt to Total Capital	46.17%	43.88%	34.39%	45.39%	46.41%	35.67%	23.63%	30.83%	30.16%	22.55%	24.45%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	-0.01%	-0.03%	-0.04%	-0.06%	-0.10%	-0.16%
Common Equity to Total Capital	53.83%	56.12%	65.45%	54.61%	53.59%	64.33%	65.09%	59.23%	60.14%	66.77%	75.71%
Debt to EBITDA	-5.59	-6.96	-4.76	-6.67	-4.90	-4.82	-13.95	17.80	4.82	3.15	1.99
Net Debt to EBITDA	-4.92	-6.25	-4.55	-6.43	-4.63	-4.59	-12.68	16.76	4.67	3.00	1.75
Long-Term Debt to EBITDA	-5.59	-6.96	-4.76	-6.67	-4.90	-4.82	-9.44	13.45	3.64	2.13	1.99
Debt to NOPAT	-6.64	-8.04	-5.52	-7.84	-6.04	-5.72	-12.68	37.18	6.87	4.45	2.78
Net Debt to NOPAT	-5.85	-7.22	-5.28	-7.56	-5.71	-5.45	-11.52	35.01	6.65	4.25	2.44
Long-Term Debt to NOPAT	-6.64	-8.04	-5.52	-7.84	-6.04	-5.72	-8.58	28.09	5.19	3.01	2.78
Noncontrolling Interest Sharing Ratio	0.00%	0.10%	0.11%	0.00%	0.00%	0.00%	0.10%	-0.04%	-0.06%	-0.08%	-0.13%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	1,166	9,880	-7,927	259	-12	916	8,725	165	-133	-186	222
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.39	0.39	0.39	0.39	0.40	0.38	0.37	0.36	0.37	0.37	0.37
Fixed Asset Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	4,528	4,759	12,634	4,601	4,406	3,894	3,979	4,510	4,611	4,176	3,854
Invested Capital Turnover	1.08	0.57	0.63	1.12	1.15	1.14	0.58	1.02	1.03	1.15	1.20
Increase / (Decrease) in Invested Capital	-1,227	-9,931	7,854	-340	-122	-865	-8,655	-91	205	282	-125
Enterprise Value (EV)	4,355	4,878	4,697	5,013	4,563	4,383	5,191	5,531	5,727	5,578	5,092
Market Capitalization	2,513	3,002	3,370	2,998	2,630	3,058	3,929	3,800	3,946	4,255	4,272
Book Value per Share	$38.18	$41.80	$41.28	$39.26	$36.86	$39.09	$40.23	$41.49	$43.05	$43.54	$45.66
Tangible Book Value per Share	$17.84	$21.45	$20.95	$19.71	$17.34	$19.57	$20.80	$22.07	$23.63	$24.01	$26.09
Total Capital	4,528	4,759	4,034	4,601	4,406	3,894	3,979	4,510	4,611	4,176	3,854
Total Debt	2,090	2,088	1,388	2,088	2,045	1,389	1,390	1,840	1,841	1,392	942
Total Long-Term Debt	2,090	2,088	1,388	2,088	2,045	1,389	940	1,390	1,391	942	942
Net Debt	1,841	1,876	1,327	2,015	1,933	1,325	1,263	1,733	1,784	1,327	827
Capital Expenditures (CapEx)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	13	2.27	7.37	16	13	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	2,090	2,088	9,987	2,088	2,045	1,389	1,390	1,840	1,841	1,392	942
Total Depreciation and Amortization (D&A)	17	32	16	18	16	20	15	13	13	20	13
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	($1.19)	($0.84)	($1.25)	($1.52)	($2.28)	$0.80	$1.11	$1.17	$1.15	$1.52	$1.56
Adjusted Weighted Average Basic Shares Outstanding	63.89M	63.96M	63.99M	64.06M	64.09M	64.32M	64.38M	64.43M	64.05M	63.90M	63.99M
Adjusted Diluted Earnings per Share	($1.19)	($0.84)	($1.25)	($1.52)	($2.28)	$0.80	$1.10	$1.16	$1.14	$1.51	$1.54
Adjusted Weighted Average Diluted Shares Outstanding	63.89M	63.96M	63.99M	64.06M	64.09M	64.32M	64.38M	64.43M	64.05M	63.90M	63.99M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	63.89M	63.96M	63.99M	64.06M	64.09M	64.32M	64.38M	64.43M	64.05M	63.90M	63.99M
Normalized Net Operating Profit after Tax (NOPAT)	-61	-51	-73	-46	-134	51	70	74	72	96	97
Normalized NOPAT Margin	-4.51%	-3.64%	-5.62%	-3.68%	-11.14%	4.32%	6.14%	6.58%	6.12%	8.02%	8.13%
Pre Tax Income Margin	-6.45%	-5.21%	-8.02%	-9.18%	-15.91%	5.34%	7.58%	8.13%	7.69%	10.00%	10.04%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	-23.28%	-27.81%	-28.28%	-25.97%	-21.12%	-29.42%	-65.74%	162.22%	29.99%	25.63%	23.81%
Augmented Payout Ratio	-23.28%	-27.81%	-28.28%	-25.97%	-21.12%	-29.42%	-65.74%	162.22%	39.31%	38.08%	36.46%

Financials Breakdown Chart

Key Financial Trends

Kemper (NYSE: KMPR) has shown a significant turnaround in its financial performance through the latest quarter ending Q1 2025, after experiencing some challenging periods in prior years.

Key positive trends and highlights:

Net income attributable to common shareholders grew to $99.7 million in Q1 2025, a notable increase compared to negative earnings in parts of 2023 and 2022, highlighting a recovery in profitability.
Premiums earned have generally increased from approximately $1.26 billion in late 2022 to about $1.09 billion in Q1 2025, indicating stable or improving core insurance revenues.
Net realized and unrealized capital gains on investments remained strong around $102 million in Q1 2025, supporting non-interest income and strengthening revenue diversity.
Total revenue has stabilized near $1.19 billion in Q1 2025, consistent with recent quarters, demonstrating steady operational scale.
Kemper’s total equity increased from approximately $2.37 billion in Q3 2023 to about $2.92 billion in Q1 2025, showing healthy net asset growth and balance sheet strength.
Cash and equivalents increased substantially to $115 million in Q1 2025 from lower prior quarters, supporting liquidity and financial flexibility.
Operational cash flow also improved, with net cash from continuing operating activities climbing to $180 million in Q1 2025, compared to $141.9 million in Q3 2024 and negative cash flow in 2023.

Neutral trends and observations:

Total non-interest expense remains high but relatively stable around $1.07 billion in Q1 2025, with current and future benefits (claims and reserves) constituting the bulk of expenses.
Debt levels have fluctuated, with long-term debt at about $942 million in Q1 2025, down from higher levels in 2023, indicating active debt management but some leverage remains.
Dividend payments to common shareholders remain steady at $0.32 per share in Q1 2025, similar to prior quarters, showing consistency but limited growth in shareholder distributions.

Negative or cautionary points:

Kemper faced large net losses in several quarters during 2022 and 2023, including a net loss of $146.3 million in Q3 2023, highlighting past volatility and challenges in underwriting or investment activities.
Impairment charges were present in 2023 (e.g., $49.6 million in Q2 2023), impacting earnings negatively during that period.
Claims and claim expenses remain a significant liability, standing at about $11.75 billion in Q1 2025, which is a large liability relative to total assets and could pressure future income if claims worsen.
Accumulated other comprehensive loss (AOCI) was a negative $261 million in Q1 2025, indicating some valuation pressures on other comprehensive income components.

Summary: Kemper has moved from a period of substantial losses in 2022 and much of 2023 toward stabilized and improving earnings with strong net income in early 2025. The company’s premiums and revenues show consistent operational scale, supported by investment gains and improving cash flows. However, high claims liabilities and historical volatility in earnings indicate the insurance business remains subject to underwriting and market risks. Investors should watch how claims experience and operating expenses evolve and whether Kemper can sustain its recent profitability gains in upcoming quarters.

10/07/25 08:44 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Kemper's Financials

When does Kemper's financial year end?

According to the most recent income statement we have on file, Kemper's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Kemper's net income changed over the last 9 years?

Kemper's net income appears to be on a downward trend, with a most recent value of $312.50 million in 2024, rising from $85.70 million in 2015. The previous period was -$272.30 million in 2023. Find out what analysts predict for Kemper in the coming months.

How has Kemper's revenue changed over the last 9 years?

Over the last 9 years, Kemper's total revenue changed from $2.34 billion in 2015 to $4.64 billion in 2024, a change of 98.4%.

How much debt does Kemper have?

Kemper's total liabilities were at $9.85 billion at the end of 2024, a 3.8% decrease from 2023, and a 62.9% increase since 2015.

How much cash does Kemper have?

In the past 9 years, Kemper's cash and equivalents has ranged from $45.70 million in 2017 to $212.40 million in 2022, and is currently $64.40 million as of their latest financial filing in 2024.

How has Kemper's book value per share changed over the last 9 years?

Over the last 9 years, Kemper's book value per share changed from 38.87 in 2015 to 43.54 in 2024, a change of 12.0%.

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This page (NYSE:KMPR) was last updated on 10/7/2025 by MarketBeat.com Staff

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Kemper (KMPR) Financials

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Kemper (KMPR) Financials

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