Kemper Corporation
Description
Kemper Corporation, a diversified insurance holding company, engages in the provision of insurance products to individuals and businesses in the United States. The company operates through three segments: Specialty Property & Casualty Insurance, Preferred Property & Casualty Insurance, and Life & Health Insurance. It provides preferred and specialty automobile, homeowners, renters, fire, umbrella, general liability, and various other property and casualty insurance to individuals, as well as commercial automobile insurance to businesses. The company also offers life insurance, including permanent and term insurance; and supplemental accident and health insurance products, such as Medicare supplement insurance, fixed hospital indemnity, home health care, specified disease, and accident-only plans to individuals in rural, suburban, and urban areas. It distributes its products through independent agents and brokers. The company was formerly known as Unitrin, Inc. and changed its name to Kemper Corporation in August 2011. Kemper Corporation was incorporated in 1990 and is headquartered in Chicago, Illinois.
About
CEO
Mr. Joseph Patrick Lacher Jr.
Employees
8,100
Instrument type
Common Stock
Sector
Financial Services
Industry
Insurance - Property & Casualty
MIC code
XNYS
Address
200 East Randolph Street, Chicago, IL 60601, United States
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![Enlarged Chart]()
Oscillators
No data available
Summary
No data available
Moving Averages
No data available
Earnings
| Date | Estimate EPS | Actual EPS | Difference | % Surprise |
|---|---|---|---|---|
| Oct 28, 2025 | — | — | — | — |
| Aug 4, 2025 | — | — | — | — |
| Apr 30, 2025 | — | — | — | — |
| Feb 6, 2025 | 1.29 | — | — | — |
| Oct 31, 2024 | 1.34 | 1.62 | 0.28 | 20.90% |
Earnings estimate
|
Next Quarter
(Mar 2025)
|
Next Year
(Dec 2025)
|
|||
|---|---|---|---|---|
| Number of analysts | — | 4 | — | 6 |
| Average estimate | — | 1.50 | — | 6.04 |
| Low estimate | — | 1.45 | — | 5.73 |
| High estimate | — | 1.55 | — | 6.25 |
| Last year EPS | — | 1.07 | — | 5.47 |
[stock_revenue_estimate]
Growth estimates
Current qtr
74.520%
Next qtr. (Mar 2025)
40.440%
Current year
839.180%
Next year (Dec 2025)
10.360%
Next 5 years (per annum)
—
Past 5 years (per annum)
—
Income statement
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total reported revenue | 4.91B | 5.45B | 5.61B | 5.18B | 5.02B |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating expense | |||||
| Research & development | — | — | — | — | — |
| Selling general and admin | 413.00M | 358.40M | 339.50M | 371.50M | 278.00M |
| Other operating expenses | 202.30M | 239.50M | 236.20M | 202.30M | 196.40M |
| Operating income | — | — | — | — | — |
| Non operating interest income | |||||
| Income | — | — | — | — | — |
| Expense | 56.10M | 54.70M | 43.60M | 36.00M | 42.50M |
| Other income expense | 7.20M | 9.20M | 4.80M | 94.60M | 35.50M |
| Pretax income | -347.10M | -371.00M | -249.30M | 510.10M | 661.60M |
| Tax provision | -74.80M | -84.40M | -125.60M | 100.20M | 130.50M |
| Net income | -272.30M | -286.60M | -123.70M | 409.90M | 531.10M |
| Basic EPS | -4.25 | -4.72 | -1.87 | 6.24 | 8.04 |
| Diluted EPS | -4.25 | -4.72 | -1.87 | 6.14 | 7.96 |
| Basic average shares | 64.03M | 63.83M | 64.26M | 65.64M | 65.88M |
| Diluted average shares | 64.03M | 63.83M | 64.26M | 65.64M | 65.88M |
| EBITDA | — | — | — | — | — |
| Net income from continuing op. | -272.30M | -286.60M | -123.70M | 409.90M | 531.10M |
| Minority interests | -200,000 | — | — | — | — |
| Preferred stock dividends | — | — | — | 400,000 | 1.70M |
Balance sheet
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | — | — | — | — | — |
| Current assets | |||||
| Cash | — | — | — | — | — |
| Cash equivalents | — | — | — | — | — |
| Cash and cash equivalents | 64.10M | 212.40M | 148.20M | 206.10M | 136.80M |
| Other short term investments | 522.90M | 278.40M | 284.10M | 875.40M | 470.90M |
| Accounts receivable | 960.20M | 1.29B | 1.42B | 1.19B | 1.12B |
| Other receivables | 200.50M | 262.60M | 207.30M | 222.40M | 219.70M |
| Inventory | — | — | — | — | — |
| Prepaid assets | — | — | — | — | — |
| Restricted cash | — | — | — | — | — |
| Assets held for sale | — | — | — | — | — |
| Hedging assets | — | — | — | — | — |
| Other current assets | — | — | — | — | — |
| Non current assets | |||||
| Properties | — | — | — | — | — |
| Land and improvements | — | — | — | — | — |
| Machinery furniture equipment | — | — | — | — | — |
| Construction in progress | — | — | — | — | — |
| Leases | — | — | — | — | — |
| Accumulated depreciation | — | — | — | — | — |
| Goodwill | 2.82B | 2.92B | 2.92B | 2.55B | 2.56B |
| Investment properties | — | — | — | — | — |
| Financial assets | — | — | — | — | — |
| Intangible assets | 318.60M | 316.40M | 293.80M | 320.10M | 328.40M |
| Investments and advances | 7.85B | 7.63B | 9.34B | 9.62B | 8.60B |
| Other non current assets | — | — | — | — | — |
| Total liabilities | — | — | — | — | — |
| Current liabilities | |||||
| Accounts payable | — | — | — | — | — |
| Accrued expenses | — | 817.30M | 843.60M | 727.90M | 733.10M |
| Short term debt | — | 449.30M | 449.00M | 448.80M | — |
| Deferred revenue | — | — | — | — | — |
| Tax payable | — | — | — | — | — |
| Pensions | — | — | — | — | — |
| Other current liabilities | — | — | — | — | — |
| Non current liabilities | |||||
| Long term debt | 1.39B | 1.39B | 1.12B | 1.17B | 778.40M |
| Provision for risks and charges | — | — | — | — | — |
| Deferred liabilities | 50.60M | — | 227.00M | 285.70M | 178.20M |
| Derivative product liabilities | — | — | — | — | — |
| Other non current liabilities | — | — | — | — | — |
| Shareholders equity | |||||
| Common stock | 6.40M | 6.40M | 6.40M | 6.50M | 6.70M |
| Retained earnings | 1.01B | 1.37B | 1.76B | 2.07B | 1.81B |
| Other shareholders equity | -360.80M | -514.90M | 448.10M | 680.50M | 336.10M |
| Total shareholders equity | 2.51B | 2.67B | 4.01B | 4.56B | 3.97B |
| Additional paid in capital | 1.85B | 1.81B | 1.79B | 1.81B | 1.82B |
| Treasury stock | — | — | — | — | — |
| Minority interest | -200,000 | — | — | — | — |
Cash flow statement
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 | 1991 | 1990 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||||||||||||||||||||||||
| Net Income | -272.30M | -286.60M | -123.70M | 409.90M | 531.10M | 190.10M | 120.90M | 16.80M | 85.70M | 114.50M | 217.70M | 103.40M | 74.50M | 177.90M | 164.70M | -29.60M | 205.40M | 283.10M | 255.50M | 240.20M | 123.60M | -8.20M | 380.90M | 91.00M | 201.00M | 510.80M | 117.90M | 132.50M | 150.60M | 148.40M | 95.00M | 163.30M | 137.20M | 132.20M |
| Depreciation | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Deferred Taxes | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | -6.30M | 21.30M | -153.40M | 34.80M | -34.40M | 91.40M | -66.90M | -108.90M | 212.50M | 10.20M | 17.60M | -28.10M | 4.60M | -20.70M | 1.10M | -10.70M | — |
| Stock-Based Compensation | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Non-Cash Items | — | 3.70M | — | — | -49.50M | -5.10M | -2.10M | 700,000 | 41.30M | 16.40M | 36.10M | 31.40M | -11.60M | 4.90M | -226.60M | -205.50M | -133.30M | -46.20M | 432.00M | 359.90M | 77.10M | 667.60M | -241.30M | -102.20M | -4.40M | -16.80M | 10.50M | 4.90M | 167.60M | -200,000 | 91.90M | -127.60M | 16.00M | 234.80M |
| Accounts Receivable | 338.50M | 127.50M | -54.60M | -60.60M | -74.50M | -104.30M | -29.20M | -11.00M | 49.60M | 46.20M | 43.50M | 13.90M | -200,000 | 28.00M | 80.80M | -5.60M | 69.10M | 97.50M | 3.70M | 80.50M | 56.40M | -185.00M | -37.50M | -59.70M | -5.20M | 32.00M | 43.50M | 13.80M | 22.40M | — | — | — | — | — |
| Accounts Payable | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | -121.90M | -87.80M | 102.60M | 140.40M | 313.40M | 6.50M | 68.80M | 170.30M | 19.30M | -45.00M | -40.00M | -6.00M | -20.10M | 14.80M | 7.40M | 21.50M | 11.40M | -5.10M |
| Other Assets & Liabilities | 200,000 | -94.80M | -74.80M | 18.70M | 64.20M | 108.00M | 28.90M | -6.50M | -21.80M | 11.20M | 57.90M | -14.90M | 17.20M | 8.70M | -111.80M | 12.60M | -52.80M | 9.70M | 106.30M | 220.90M | 369.80M | -178.50M | 31.30M | 110.60M | 14.10M | -13.00M | 3.50M | 7.80M | 2.30M | 14.80M | 7.40M | 21.50M | 11.40M | -5.10M |
| Operating Cash Flow | 66.40M | -250.20M | -253.10M | 368.00M | 471.30M | 188.70M | 118.50M | — | 154.80M | 188.30M | 355.20M | 133.80M | 79.90M | 219.50M | -92.90M | -228.10M | -33.50M | 250.00M | 921.40M | 888.50M | 975.10M | 268.00M | 293.60M | 143.10M | 115.90M | 680.50M | 145.60M | 170.60M | 294.70M | 182.40M | 181.00M | 79.80M | 165.30M | 356.80M |
| Investing Activities | ||||||||||||||||||||||||||||||||||
| Capital Expenditures | — | — | — | — | — | — | — | — | — | — | — | — | — | 9.60M | 200,000 | 3.20M | 8.70M | -39.20M | -98.90M | -29.80M | -20.90M | -14.00M | -3.10M | -5.90M | -4.30M | -11.40M | -12.10M | — | -92.60M | — | — | — | — | — |
| Net Intangibles | -53.80M | -30.80M | -57.80M | -53.40M | -84.00M | -65.30M | -35.50M | -17.60M | -8.90M | -11.30M | -15.20M | -26.50M | -23.20M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Acquisitions | — | 14.80M | -316.60M | — | — | -560.60M | 20.20M | 6.40M | -57.10M | 42.70M | 14.60M | 25.00M | 31.30M | 13.00M | -189.80M | -26.60M | -140.90M | — | — | -17.10M | -8.00M | -73.90M | — | 33.10M | -103.40M | -99.20M | — | — | — | — | — | — | — | — |
| Purchase of Investments | -750.00M | -2.00B | -2.15B | -2.15B | -1.99B | -2.94B | -1.06B | -985.10M | -929.50M | -921.00M | -967.00M | -1.10B | -878.20M | -743.20M | -895.10M | -1.49B | -775.80M | -524.80M | -778.90M | -2.08B | -2.62B | -2.04B | -2.01B | -1.19B | -965.40M | -917.10M | -490.40M | -195.70M | -379.30M | -345.80M | -407.50M | -1.14B | -1.17B | -1.19B |
| Sale of Investments | 942.50M | 1.89B | 2.44B | 1.45B | 1.48B | 3.06B | 951.80M | 763.40M | 971.10M | 825.90M | 888.30M | 1.00B | 1.27B | 740.50M | 1.06B | 1.87B | 717.60M | 726.20M | 697.30M | 1.94B | 2.66B | 2.03B | 1.65B | 1.26B | 1.31B | 1.22B | 416.00M | 289.60M | 735.80M | 528.90M | 305.10M | 993.90M | 1.14B | 1.04B |
| Investing Cash Flow | 171.60M | -84.70M | -14.20M | -681.30M | -520.70M | -430.80M | -95.10M | -225.80M | -25.60M | -91.80M | -77.30M | -82.20M | 427.40M | -16.40M | -67.30M | 330.90M | -73.80M | -86.10M | -419.40M | -208.40M | -608.70M | -359.10M | -368.40M | 400,000 | 212.20M | 170.80M | -78.20M | 9.20M | 142.20M | 79.20M | -161.20M | -147.80M | -55.50M | -157.20M |
| Financing Activities | ||||||||||||||||||||||||||||||||||
| Long-Term Debt Issuance | — | 541.90M | — | 396.80M | 49.90M | 249.40M | 200.20M | — | 247.30M | 144.00M | — | — | 95.00M | 387.80M | — | — | 354.80M | 40.00M | 40.00M | — | 398.00M | 934.80M | 831.00M | 756.70M | 436.30M | 381.60M | 515.00M | 170.00M | 401.00M | — | — | — | — | 34.00M |
| Long-Term Debt Payments | — | -280.00M | -50.00M | — | -185.00M | -215.00M | -360.00M | — | -258.80M | — | -5.50M | — | -416.80M | -707.00M | -220.10M | -232.10M | -654.80M | -40.10M | -80.10M | -100,000 | -280.00M | -812.80M | -756.20M | -693.50M | -437.10M | -357.40M | -493.80M | -210.00M | -308.00M | — | — | — | — | -15.60M |
| Other Financing Charges | -46.20M | 195.80M | -3.50M | 166.40M | 234.60M | 9.80M | 100,000 | 1.10M | 1.50M | 1.60M | 2.40M | 1.90M | 1.60M | 3.40M | -424.90M | -159.80M | -183.10M | 136.10M | 195.80M | 11.80M | 67.50M | -48.00M | 240.00M | 109.70M | 81.00M | -4.60M | -600,000 | 12.20M | 101.10M | 66.50M | 28.90M | 12.00M | 33.90M | 12.90M |
| Financing Cash Flow | -126.30M | 378.00M | -295.80M | 373.90M | 159.20M | -12.20M | -209.20M | -51.90M | -104.70M | -20.20M | -158.40M | -115.70M | -727.60M | -771.70M | -711.70M | -579.40M | -382.60M | -66.90M | 5.10M | -73.40M | 71.90M | -47.80M | 180.20M | -52.50M | -212.90M | -314.00M | -90.00M | -171.90M | -302.60M | -254.60M | -38.50M | -44.90M | -103.80M | -47.90M |
| Other Cash Details | ||||||||||||||||||||||||||||||||||
| End Cash Position | 64.10M | 212.40M | 148.20M | 206.10M | 136.80M | 75.10M | 45.70M | 115.70M | 161.70M | 76.10M | 66.50M | 96.30M | 251.20M | 117.20M | 143.70M | 184.20M | 103.10M | 157.90M | 44.50M | 82.10M | 65.70M | 16.90M | 27.90M | 23.30M | 24.10M | 8.60M | 14.50M | 17.00M | — | — | — | — | — | — |
| Income Tax Paid | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Interest Paid | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Free Cash Flow | -188.00M | -241.10M | 292.90M | 394.60M | 450.30M | 473.90M | 205.10M | 222.90M | 206.10M | 122.30M | 106.90M | 39.20M | -48.20M | 58.50M | 163.50M | 69.20M | 252.10M | 267.20M | 277.80M | 268.40M | 564.70M | 381.90M | 188.70M | 78.50M | 11.90M | 125.90M | 153.60M | 170.60M | 53.60M | 173.50M | 195.50M | 195.20M | 152.60M | 214.10M |
Top Institutional Holders
| Holder | Date Reported | Shares | Value | % Held |
|---|---|---|---|---|
| Undiscovered Managers Behavioral Value Fund | Sep 30, 2024 | 3,210,176 | 220.06M | 5.01% |
| Vanguard Total Stock Market Index Fund | Sep 30, 2024 | 1,964,116 | 134.64M | 3.07% |
| iShares Core S&P Midcap ETF | Nov 30, 2024 | 1,948,455 | 133.57M | 3.04% |
| Vanguard Small-Cap Index Fund | Sep 30, 2024 | 1,531,613 | 104.99M | 2.39% |
| Vanguard Small Cap Value Index Fund | Sep 30, 2024 | 1,037,149 | 71.10M | 1.62% |
| Vanguard Extended Market Index Fund | Sep 30, 2024 | 905,648 | 62.08M | 1.41% |
| Columbia Fds Ser Tr-Select Mid Cap Value Fd | Nov 30, 2024 | 691,391 | 47.39M | 1.08% |
| Hartford Capital Appreciation Fund | Oct 31, 2024 | 625,579 | 42.88M | 0.98% |
| SPDR S&P Mid Cap 400 ETF Trust | Nov 30, 2024 | 491,031 | 33.66M | 0.77% |
| Harbor Small Cap Growth Fund | Oct 31, 2024 | 421,453 | 28.89M | 0.66% |
Article
Better EPS Than Expected, And Immune To The Tariff Storm, Kemper Is A Buy
Kemper Corporation's significant restructuring and exit from the Preferred Property and Casualty Insurance business are expected to enhance financial flexibility and FCF growth from 2025 to 2031. Stock repurchases and a robust repurchase plan are likely to increase demand for KMPR shares, potentially driving up the stock price. Inorganic growth through acquisitions in the U.S. insurance market is anticipated to further boost KMPR's free cash flow and overall financial performance.
Feb 6, 2025
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Kemper Corporation (KMPR) Q4 2024 Earnings Call Transcript
Kemper Corporation (NYSE:KMPR ) Q4 2024 Earnings Conference Call February 5, 2024 5:00 PM ET Company Participants Michael Marinaccio - Vice President, Corporate Development Joe Lacher - President & Chief Executive Officer Brad Camden - Executive Vice President & Chief Financial Officer Matt Hunton - Executive Vice President & President, Kemper Auto Conference Call Participants Gregory Peters - Raymond James Brian Meredith - UBS Andrew Kligerman - TD Cowen Paul Newsome - Piper Sandler Operator Good afternoon, ladies and gentlemen, and welcome to Kemper's Fourth Quarter 2024 Earnings Conference Call. My name is Constantin, and I will be your coordinator today.
Feb 6, 2025
Article
Kemper (KMPR) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates
The headline numbers for Kemper (KMPR) give insight into how the company performed in the quarter ended December 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
Feb 6, 2025
