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Kemper (KMPR) Financials

Kemper logo
$53.38 -0.21 (-0.39%)
Closing price 09/12/2025 03:59 PM Eastern
Extended Trading
$53.40 +0.02 (+0.03%)
As of 09/12/2025 06:25 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) has demonstrated a variable financial performance over the past several years, with recent quarters showing signs of recovery and strength in earnings and cash flow.

Positive Highlights:

  • Q1 2025 net income attributable to common shareholders increased to $99.7 million, up from $97.4 million in Q4 2024, reflecting ongoing profitability improvement.
  • Total revenue in Q1 2025 grew slightly to $1.193 billion, consistent with strong premium earned of approximately $1.09 billion in the quarter.
  • Realized & unrealized capital gains on investments reached $102.1 million in Q1 2025, supporting non-interest income growth.
  • Total non-interest income was stable at approximately $1.19 billion in Q1 2025, showing solid performance in fee-based and investment income streams.
  • Net cash from continuing operating activities was $180 million in Q1 2025, indicating strong cash generation from core business operations.
  • KEMPER increased cash and equivalents to $115.4 million as of Q1 2025, nearly doubling from Q3 2024's $56.9 million, reflecting improved liquidity.
  • Total equity increased to $2.9 billion in Q1 2025 from approximately $2.77 billion in Q3 2024, signaling growth in shareholder value and capital base.
  • The company continued dividend payments with $0.32 per common share in Q1 2025, consistent with prior quarters, supporting shareholder returns.

Neutral Factors:

  • KEMPER reported no interest income or expense, consistent with prior periods, indicating a business model less reliant on traditional lending or borrowing activities.
  • Long-term debt decreased to $942.1 million in Q1 2025 from $1.39 billion in Q4 2024, which might improve financial leverage but also affects capital structure balance.
  • Claims and claim expenses remain high, around $11.75 billion in Q1 2025, reflecting the inherent insurance risk exposure that could fluctuate based on underwriting and catastrophe experience.

Negative Considerations:

  • Despite recent improvements, KEMPER experienced several quarters in 2023 and early 2024 with net losses, including steep losses in Q3 2023 (-$146 million) and Q2 2023 (-$97 million), indicating periods of operational or adverse market pressures.
  • Operating expenses have remained elevated, with total non-interest expenses over $1 billion per quarter recently, putting margin pressure on earnings.
  • Cash flow from financing activities in Q1 2025 was negative $481.1 million, mainly driven by debt repayment and dividends, which may constrain financial flexibility in the short term.
  • Accumulated other comprehensive loss remained large (around -$261 million in Q1 2025), partly reducing total shareholders' equity and signaling potential unrealized losses on investments or other comprehensive components.

Summary: KEMPER Corp is showing signs of a financial rebound with positive net income, strong cash from operations, and stable revenues in early 2025 after several quarters of losses in 2023. The improvement in liquidity and earnings quality are encouraging for investors. However, elevated claims expenses, high operating costs, and significant debt repayments continue to pose risks. Investors should watch upcoming quarters for sustained profitability and effective management of claims and expenses to confirm a durable turnaround.

09/13/25 03:33 PM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

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. View Kemper's forecast to see where analysts expect Kemper to go next.

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 9/13/2025 by MarketBeat.com Staff
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