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Kemper (KMPR) Financials

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$53.64 +0.24 (+0.45%)
Closing price 08/22/2025 03:59 PM Eastern
Extended Trading
$53.63 -0.01 (-0.02%)
As of 08/22/2025 06:16 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
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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 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

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 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

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 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

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 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

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 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

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 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

Annual Metrics And Ratios for Kemper

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%

Quarterly Metrics And Ratios for Kemper

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%

Key Financial Trends

Kemper Corp (NYSE: KMPR) Q1 2025 Financial Summary and Trends:

Kemper reported solid financial results in Q1 2025 compared to previous quarters, showing steady growth in revenue and net income. The company remains focused on its core insurance business, supported by investments gains and consistent premium income. Below is a summary of key takeaways from the last four quarters and full year trends when applicable.

  • Q1 2025 net income attributable to common shareholders was $99.7 million, slightly increasing from $97.4 million in Q4 2024 and showing strong improvement compared to prior quarters.
  • Total revenue remained stable at approximately $1.19 billion in Q1 2025, consistent with Q4 2024 and showing positive momentum from Q3 and Q2 2024 levels.
  • Premiums earned remained strong and steady at roughly $1.08 billion in Q1 2025, comparable to the prior quarters, indicating steady core insurance business performance.
  • Net realized & unrealized capital gains on investments remain a significant contributor to non-interest income, with $102.1 million in Q1 2025, supporting profitability.
  • Cash flow from continuing operating activities was $180 million in Q1 2025, showing healthy operational cash generation and an improvement from $175 million in Q4 2024.
  • Total assets slightly decreased to $12.47 billion in Q1 2025 from $12.87 billion in Q4 2024, reflecting normal asset management activity.
  • The company report zero interest income and interest expense for Q1 2025, consistent with prior quarters, showing little reliance on net interest margin.
  • Debt repayment of approximately $476 million in Q1 2025, partially offset by $20 million in new debt issuance, indicating active balance sheet management.
  • Cash and due from banks increased to $115 million in Q1 2025, reflecting improved liquidity compared to $57 million in Q3 2024.
  • Accumulated other comprehensive income (loss) remains negative at approximately -$261 million, reflecting unrealized losses impacting equity but common in the insurance industry.

Financial Trends and Observations from Q1 2023 through Q1 2025:

  • Kemper has shown a marked recovery from losses in 2022 and early 2023, with consistent profitability beginning mid-2023.
  • Diluted EPS has increased steadily from negative and modestly positive values in 2022 and early 2023 to $1.54 in Q1 2025, showing improving shareholder value.
  • Cash dividends per share have remained stable at $0.31 to $0.32 per quarter, demonstrating commitment to shareholder returns.
  • The company reduced long-term debt from over $2 billion in 2022-early 2023 to about $942 million by Q1 2025, strengthening financial flexibility.
  • Trading account securities have remained relatively stable over the period, around $7 billion, indicating steady investment portfolio size.
  • Non-interest expenses have fluctuated but remain within a range reflecting company scale and operating costs, with operating expenses slightly decreasing in Q1 2025 compared to prior quarters.
  • Volatility in realized and unrealized capital gains indicates some exposure to market changes affecting investment income.
  • Kemper experienced several quarters of net losses in 2022 and early 2023, including a significant loss in Q3 2023, highlighting past operational and market challenges.
  • Claims and claim expenses remain high, above $11 billion consistently, impacting underwriting profitability and requiring close monitoring.
  • Other long-term liabilities have fluctuated and remain substantial, over $700 million as of Q1 2025, which could affect the company’s long-term obligations.

Overall Summary: Kemper Corp is showing a positive turnaround with stable revenue and improving net income as of Q1 2025. The company’s consistent premium earnings coupled with investment gains and debt reduction efforts indicate strengthened operational and financial health. Challenges remain with high claims expenses and legacy liabilities but the recent quarters suggest Kemper is moving in a favorable direction. Retail investors may view the stable dividend and improving earnings per share as positive signals while monitoring claims trends and investment results.

08/24/25 06:03 AMAI Generated. May Contain Errors.

Frequently Asked Questions About Kemper's Financials

When does Kemper's fiscal year end?

According to the most recent income statement we have on file, Kemper's financial year ends in December. Their financial 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. See Kemper's forecast for analyst expectations on what’s next for the company.

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 8/24/2025 by MarketBeat.com Staff
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