Free Trial
→ Trump’s treachery (From Porter & Company) (Ad) Buy KMPR Stock  Free KMPR Stock Alerts

Kemper (KMPR) Financials

Kemper logo
$63.47 +0.72 (+1.15%)
As of 01:04 PM Eastern
This is a fair market value price provided by Polygon.io. Learn more.
Compare
Annual Income Statements for Kemper

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

Quarterly Income Statements for Kemper

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

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

Annual Cash Flow Statements for Kemper

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

Quarterly Cash Flow Statements for Kemper

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

Annual Balance Sheets for Kemper

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

Quarterly Balance Sheets for Kemper

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

Annual Metrics And Ratios for Kemper

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

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

Quarterly Metrics And Ratios for Kemper

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

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

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. Check out Kemper's forecast to explore projected trends and price targets.

How has Kemper 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%.


Related Companies

This page (NYSE:KMPR) was last updated on 5/29/2025 by MarketBeat.com Staff
From Our Partners
Market Panic: Trump Just Dropped a Bomb on Your Stocks
tock Market Panic: Trump Just Dropped a Bomb on Your Stocks The market is in freefall—and Trump's new tarif...
American Alternative | Sponsored
White House to reset Social Security?
Elon Musk's parting DOGE gift looks set to shock America... A single announcement by July 22nd could soon b...
Altimetry | Sponsored
July 2025 Rule Change to Impact Retirement Investors
There's a massive change from a new rule going into effect this July. And it's one the Big Banks are alread...
Premier Gold Co | Sponsored
Is President Trump Lying To You With This?
President Trump’s economic transition isn’t without hardship. But what if there were a smart, tax-free way to ...
Colonial Metals | Sponsored
A grave, grave error.
I thought what happened 25 years ago was a once- in-a-lifetime event… but how wrong I was. Because here we...
Porter & Company | Sponsored
As Bitcoin supply vanishes, this Trump-aligned token could explode
Bitcoin's supply is being drained at unprecedented rates, but while most investors focus solely on Bitcoin, th...
Crypto 101 Media | Sponsored
Silicon Valley Gold Rush
A new technology has sparked a modern-day gold rush in Silicon Valley. OpenAI’s Sam Altman invested $375M. Bil...
Stansberry Research | Sponsored
Buffett’s favorite chart just hit 209% – here’s what that means for gold
A Historic Gold Announcement Is About to Rock Wall Street For months, sharp-eyed analysts have watched the ...
Golden Portfolio | Sponsored