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Kemper Corporation

Kemper Corporation

KMPR · NYSE · Financial Services / Insurance - Property & Casualty

34.15USD-0.15 (-0.44%)

Price History

Full chart

Market Stats

Previous Close34.30
Open34.42
Day Range34.05 – 35.41
52-Week Range22.42 – 50.02
Volume720.20K
Market Cap1.49B
P/E (TTM)0.00
Forward P/E8.47
EPS-8.31
Dividend Yield5.06%
Beta1.03
50-Day Avg27.63
200-Day Avg31.16

About

Kemper Corporation, an insurance holding company, provides insurance products in the United States. It operates in two segments, Specialty Property & Casualty Insurance, and Life Insurance. The Specialty Property & Casualty Insurance segment primarily offers specialty personal automobile and commercial automobile insurance through independent agents and brokers. The Life Insurance segment primarily provides individual life, accident, supplemental health, and property insurance. 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.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Property & Casualty
  • CEOMr. Stephen Joseph McAnena
  • Employees7.30K
  • Headquarters200 East Randolph Street, Chicago, IL, United States, 60601, USA
  • Websitehttps://www.kemper.com

Leadership

  • Mr. Bradley Thomas Camden C.F.A.Executive VP & CFO · b. 1979
  • Mr. John Michael Boschelli CPAExecutive VP & Chief Investment Officer · b. 1969
  • Mr. Carl Thomas Evans Jr.Executive Vice President, Secretary, & General Counsel · b. 1959
  • Ms. Laura Allynn RockExecutive VP & Chief Human Resources Officer · b. 1968
  • Mr. Joseph Patrick Lacher Jr.Advisor · b. 1969
  • Mr. Stephen Joseph McAnenaPresident, CEO & Director · b. 1972
  • Mr. Charles Tipton BrooksExecutive Vice President of Operations & Systems · b. 1967
  • Mr. James A. AlexanderSenior VP & Chief Accounting Officer · b. 1968
  • Ms. Barbara CiesemierAssistant Vice President of Corporate Communications
  • Mr. Michael Anthony MarinaccioVice President of Corporate Development

Financials

Income Statement

Currency: USD1988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.22B1.15B1.27B1.28B1.41B1.35B1.40B1.49B1.57B1.56B2.09B1.81B1.95B2.53B2.30B2.67B2.82B2.83B2.86B2.90B2.74B2.93B2.64B2.50B2.46B2.43B2.20B2.34B2.52B2.67B3.69B5.02B5.18B5.61B5.45B4.94B4.63B4.80B
Growth (%)--5.83%+10.47%+0.49%+10.14%-4.12%+3.87%+6.66%+5.44%-1.17%+34.12%-13.05%+7.70%+29.73%-9.30%+16.14%+5.62%+0.36%+0.99%+1.60%-5.54%+6.97%-9.92%-5.58%-1.31%-1.45%-9.47%+6.56%+7.74%+5.83%+38.17%+36.13%+3.16%+8.42%-2.92%-9.29%-6.30%+3.62%
Cost of Revenue--432.40M447.80M----1.29B1.26B1.29B1.46B1.65B1.84B2.16B2.58B2.49B2.29B2.22B2.28B1.77B1.74B1.65B2.00B1.94B1.70B1.59B1.83B2.16B2.23B2.92B3.83B4.02B5.26B5.66B-29.50M4.04B3.38B
Gross Profit1.22B1.15B837.10M1.28B1.41B1.35B1.40B1.49B287.80M294.80M796.40M350.90M304.10M691.90M135.20M84.20M326.90M544.00M636.50M624.90M977.00M1.19B995.30M493.60M523.50M723.10M610.70M513.40M357.50M439.20M766.90M1.19B1.16B354.80M-211.30M4.94B589.40M1.43B
Gross Margin100.00%100.00%65.94%100.00%100.00%100.00%100.00%100.00%18.29%18.95%38.18%19.35%15.57%27.31%5.88%3.15%11.60%19.23%22.28%21.53%35.63%40.70%37.67%19.78%21.26%29.80%27.80%21.93%14.18%16.46%20.80%23.70%22.42%6.32%-3.88%100.00%12.72%29.68%
Operating Expense945.60M1.02B61.50M1.02B1.16B1.13B1.12B1.18B-1.17B-1.13B109.30M113.90M-1.50B149.40M159.80M199.90M213.10M232.40M266.50M398.10M1.07B964.30M758.60M425.30M401.10M408.70M450.50M413.10M354.00M278.10M567.80M528.40M650.80M604.20M159.70M5.29B200.90M1.26B
Operating Income274.80M130.30M775.60M256.40M245.90M215.90M275.50M316.60M1.46B1.43B687.10M237.00M1.80B542.50M-24.60M-115.70M113.80M311.60M370.00M226.80M-90.00M229.60M236.70M68.30M122.40M314.40M160.20M100.30M3.50M161.10M199.10M661.60M510.10M-249.40M-371.00M-347.10M388.50M160.70M
Operating Margin22.52%11.34%61.09%20.10%17.50%16.03%19.69%21.21%92.69%91.65%32.94%13.07%92.22%21.41%-1.07%-4.33%4.04%11.01%12.95%7.81%-3.28%7.83%8.96%2.74%4.97%12.96%7.29%4.28%0.14%6.04%5.40%13.18%9.85%-4.44%-6.81%-7.02%8.39%3.35%
EBITDA274.80M130.30M70.40M256.40M245.90M215.90M275.50M316.60M285.20M297.20M945.70M514.00M164.00M754.30M247.90M215.60M405.50M387.20M797.30M982.30M584.80M815.50M330.50M127.50M183.30M378.20M230.30M175.70M67.40M214.20M414.40M766.60M601.10M-105.90M-245.40M-347.10M499.10M273.50M
EBITDA Margin22.52%11.34%5.55%20.10%17.50%16.03%19.69%21.21%18.12%19.11%45.34%28.34%8.40%29.77%10.79%8.08%14.38%13.69%27.90%33.84%21.33%27.80%12.51%5.11%7.44%15.59%10.48%7.51%2.67%8.03%11.24%15.27%11.61%-1.89%-4.50%-7.02%10.77%5.70%
Net Income201.30M106.30M132.20M137.20M123.40M95.00M148.40M150.60M132.50M117.90M510.80M201.00M91.00M380.90M-8.20M123.60M240.20M255.50M283.10M205.40M-29.60M164.70M184.60M74.50M103.40M217.70M114.50M85.70M16.80M120.90M190.10M531.10M409.90M-123.70M-286.60M-347.10M317.80M143.30M
Net Income Margin16.49%9.25%10.41%10.75%8.78%7.05%10.61%10.09%8.42%7.58%24.49%11.08%4.66%15.03%-0.36%4.63%8.52%9.03%9.91%7.08%-1.08%5.61%6.99%2.99%4.20%8.97%5.21%3.66%0.67%4.53%5.15%10.58%7.92%-2.20%-5.26%-7.02%6.86%2.99%
R&D----------------------000000000-------
R&D as % of Total Revenue----------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense0061.50M63.00M59.90M59.10M64.20M110.70M115.10M129.80M109.30M113.90M151.90M22.20M26.90M45.30M57.40M64.00M62.50M398.10M321.30M241.60M68.30M36.90M37.60M38.10M46.90M46.50M44.40M34.90M43.40M42.50M36.00M43.60M54.70M369.30M56.90M38.50M
Interest Expense % of Total Revenue0.00%0.00%4.84%4.94%4.26%4.39%4.59%7.42%7.31%8.35%5.24%6.28%7.78%0.88%1.17%1.70%2.04%2.26%2.19%13.71%11.72%8.24%2.58%1.48%1.53%1.57%2.14%1.99%1.76%1.31%1.18%0.85%0.70%0.78%1.00%7.47%1.23%0.80%

Balance Sheet

Currency: USD1988-12-311989-12-311990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets3.80B4.12B4.19B4.27B4.62B4.90B4.57B4.82B4.87B4.92B5.91B5.93B6.16B7.13B7.71B8.54B8.79B9.20B9.32B9.40B8.82B8.57B8.36B8.09B8.01B7.66B7.83B8.04B8.21B8.38B11.54B12.99B14.34B14.92B13.36B12.74B12.63B12.47B
Total Liabilities-------100.20M226.30M268.90M495.00M367.90M428.10M639.00M727.60M877.70M753.50M776.40M789.60M822.60M560.80M561.40M609.80M610.60M626.50M5.60B5.74B750.60M6.24B607.10M8.49B9.02B1.46B1.35B10.92B10.24B9.85B9.80B
Total Equity1.76B1.88B1.88B1.89B1.95B2.10B1.77B1.52B1.48B1.53B1.82B1.72B1.70B1.92B1.80B1.82B2.04B2.16B2.28B2.30B1.65B1.92B2.11B2.22B2.16B2.05B2.09B7.29B1.98B2.12B3.05B3.97B12.88B13.57B2.44B2.51B2.79B2.68B
Cash--------17.00M14.50M8.60M24.10M23.30M27.90M16.90M65.70M82.10M44.50M157.90M103.10M184.20M143.70M117.20M251.20M96.30M66.50M76.10M161.70M115.70M45.70M75.10M136.80M206.10M148.20M212.40M64.10M65.40M126.00M
Total Debt-------100.20M59.90M81.10M116.20M116.80M180.00M254.80M377.10M495.70M502.80M503.60M504.50M560.10M560.80M561.40M609.80M610.60M611.40M606.90M1.00B750.60M1.11B592.30M1.36B1.51B1.19B1.42B1.84B1.39B1.42B1.00B
Net Debt-------100.20M42.90M66.60M107.60M92.70M156.70M226.90M360.20M430.00M420.70M459.10M346.60M457.00M376.60M417.70M492.60M359.40M515.10M540.40M676.00M588.90M635.90M546.60M833.90M641.60M966.70M973.70M1.17B1.33B1.36B878.90M

Cash Flow

Currency: USD1990-12-311991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow214.10M152.60M195.20M195.50M173.50M146.20M170.60M153.60M137.30M12.00M78.50M191.80M395.90M585.60M298.20M376.70M306.40M252.10M69.20M163.50M58.50M-25.00M65.70M122.10M133.60M215.00M240.50M240.60M540.00M538.10M425.10M350.70M-210.30M-134.20M382.90M584.50M
Investing Cash Flow-157.20M-55.50M-147.80M-161.20M79.20M142.20M9.20M-66.10M170.80M212.20M-26.80M-368.40M-359.10M-608.70M-208.40M-419.40M-86.10M-222.90M356.20M287.60M319.30M564.60M-106.20M4.80M-104.30M-28.60M-238.10M-105.40M-497.60M-633.40M-757.00M-118.20M-108.40M107.90M-244.40M336.20M
Financing Cash Flow-47.90M-103.80M-44.90M-38.50M-254.60M-302.60M-171.90M-90.00M-314.00M-208.70M-52.50M180.20M-47.80M71.90M-73.40M5.10M-106.90M-82.60M-345.70M-491.60M-404.30M-405.60M-114.40M-156.70M-19.70M-100.80M-48.40M-205.20M-13.00M157.00M401.20M-290.40M382.90M-122.00M-137.20M-860.10M
Capital Expenditure0000092.60M012.10M11.40M4.30M5.90M3.10M14.00M20.90M29.80M98.90M39.20M24.20M28.50M355.10M349.20M02.50M15.20M11.30M8.90M17.60M35.50M65.30M83.90M53.40M57.80M30.80M53.80M53.20M30.60M
Free Cash Flow214.10M152.60M195.20M195.50M173.50M53.60M170.60M141.50M125.90M7.70M72.60M188.70M381.90M564.70M268.40M277.80M267.20M227.90M97.70M518.60M407.70M-25.00M68.20M106.90M122.30M206.10M222.90M205.10M474.70M454.20M371.70M292.90M-241.10M-188.00M329.70M553.90M
Dividends Paid43.70M47.70M56.90M67.40M75.80M80.70M83.00M89.90M100.70M101.70M103.10M108.00M112.40M112.20M113.50M117.40M119.80M119.90M118.40M66.60M54.60M58.20M56.90M54.90M51.80M49.70M49.20M49.50M56.40M67.80M78.90M80.60M79.70M80.10M80.10M79.60M
FCF to OCF100.00%100.00%100.00%100.00%100.00%36.66%100.00%92.12%91.70%64.17%92.48%98.38%96.46%96.43%90.01%73.75%87.21%90.40%141.18%317.19%696.92%100.00%103.81%87.55%91.54%95.86%92.68%85.25%87.91%84.41%87.44%83.52%114.65%140.09%86.11%94.76%
Dividend Paid to FCF20.41%31.26%29.15%34.48%43.69%150.56%48.65%63.53%79.98%1320.78%142.01%57.23%29.43%19.87%42.29%42.26%44.84%52.61%121.19%12.84%13.39%-232.80%83.43%51.36%42.35%24.11%22.07%24.13%11.88%14.93%21.23%27.52%-33.06%-42.61%24.29%14.37%

Earnings

Report DateOct 12, 1993Jul 8, 1994Oct 7, 1994Mar 31, 1995Jun 30, 1995Oct 5, 1995Mar 31, 1996Jul 11, 1996Oct 10, 1996Dec 31, 1996Mar 31, 1997Jun 30, 1997Sep 30, 1997Dec 31, 1997Jul 13, 1998Dec 31, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Feb 3, 2000Apr 28, 2000Aug 11, 2000Oct 25, 2000Feb 1, 2001Mar 31, 2001Jul 25, 2001Oct 24, 2001Jan 31, 2002Apr 24, 2002Jul 24, 2002Nov 6, 2002Jan 30, 2003Apr 23, 2003Jul 25, 2003Oct 22, 2003Jan 30, 2004Apr 30, 2004Jul 30, 2004Oct 27, 2004Feb 2, 2005Apr 27, 2005Jul 28, 2005Oct 27, 2005Feb 1, 2006May 1, 2006Jul 31, 2006Oct 31, 2006Feb 2, 2007Apr 30, 2007Jul 30, 2007Oct 29, 2007Feb 4, 2008May 5, 2008Aug 4, 2008Nov 3, 2008Feb 4, 2009May 4, 2009Aug 3, 2009Nov 2, 2009Feb 1, 2010May 3, 2010Aug 2, 2010Nov 1, 2010Feb 3, 2011May 3, 2011Aug 3, 2011Nov 2, 2011Feb 1, 2012May 7, 2012Aug 6, 2012Nov 8, 2012Feb 7, 2013May 2, 2013Aug 1, 2013Oct 31, 2013Feb 6, 2014May 8, 2014Aug 7, 2014Nov 6, 2014Feb 5, 2015May 7, 2015Aug 6, 2015Nov 5, 2015Feb 4, 2016May 5, 2016Aug 4, 2016Nov 3, 2016Feb 9, 2017May 4, 2017Aug 1, 2017Oct 30, 2017Feb 13, 2018Apr 30, 2018Jul 30, 2018Nov 5, 2018Feb 11, 2019Apr 29, 2019Aug 5, 2019Nov 4, 2019Feb 10, 2020May 7, 2020Aug 3, 2020Nov 2, 2020Feb 1, 2021Apr 29, 2021Jul 29, 2021Oct 28, 2021Jan 31, 2022May 2, 2022Aug 1, 2022Nov 2, 2022Feb 2, 2023May 8, 2023Aug 7, 2023Oct 30, 2023Feb 1, 2024May 1, 2024Aug 5, 2024Oct 30, 2024Feb 5, 2025May 7, 2025Aug 5, 2025Nov 5, 2025Feb 4, 2026May 6, 2026Aug 5, 2026Nov 4, 2026
EPS Estimate0.350.360.38--0.45-0.330.40-----0.44----0.480.440.330.320.53-0.180.280.320.280.25-0.040.370.32-0.370.520.400.400.380.620.730.820.210.550.970.820.630.950.900.850.590.580.650.280.730.240.470.380.500.560.670.760.580.550.65-0.420.510.700.530.100.330.060.520.270.400.600.650.260.550.730.520.490.560.590.03-0.15-0.440.42-0.170.230.280.420.740.741.290.791.381.331.391.402.370.970.971.541.291.37-0.21-0.28-1.29-0.68-0.58-0.40-1.07-0.31-0.500.781.091.271.301.361.491.501.330.860.800.320.55
EPS Actual0.350.270.450.52-0.150.510.330.240.330.530.450.020.490.590.200.590.700.500.710.470.600.37-0.060.410.24-0.080.28-0.190.170.11-0.20-0.050.130.340.640.560.510.570.700.940.840.730.320.880.961.021.270.921.080.940.750.080.350.070.420.170.410.721.010.990.770.600.821.030.92-0.030.160.420.60-0.010.42-0.061.000.550.690.830.560.180.711.020.420.130.710.09-0.010.09-0.360.56-0.080.410.850.451.100.701.590.911.501.381.931.452.431.201.361.591.31-1.54-1.19-2.05-0.94-0.62-0.48-0.41-1.02-0.26-0.440.781.071.421.621.781.651.120.330.250.210.45-
Surprise0.00%-25.00%18.42%--13.33%--27.27%-17.50%------54.55%-----2.08%36.36%12.12%-118.75%-22.64%--144.44%0.00%-159.38%-39.29%-56.00%-400.00%-113.51%-59.38%-72.97%7.69%27.50%42.50%84.21%51.61%15.07%-10.98%52.38%60.00%-1.03%24.39%101.59%-3.16%20.00%10.59%27.12%-86.21%-46.15%-75.00%-42.47%-29.17%-12.77%89.47%102.00%76.79%14.93%-21.05%41.38%87.27%41.54%92.86%-68.63%-40.00%13.21%-110.00%27.27%-200.00%92.31%103.70%72.50%38.33%-13.85%-30.77%29.09%39.73%-19.23%-73.47%26.79%-84.75%-133.33%160.00%18.18%33.33%52.94%78.26%203.57%7.14%48.65%-5.41%23.26%15.19%8.70%3.76%38.85%3.57%2.53%23.71%40.21%3.25%1.55%-212.41%-466.67%-632.14%27.13%8.82%17.24%-2.50%4.67%16.13%12.00%0.00%-1.83%11.81%24.62%30.88%10.74%-25.33%-75.19%-70.93%-73.75%40.63%-
Timing-------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hours-After-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap1.49B
Enterprise Value2.41B
Trailing P/E0.00
Forward P/E8.47
PEG Ratio0.75
Price / Sales0.32
Price / Book0.70
EPS-8.31
Book Value37.22
Revenue (TTM)4.59B
Gross Profit (TTM)1.17B
EBITDA113.50M
Profit Margin-10.79%
Operating Margin3.01%
Return on Equity-19.70%
Return on Assets0.21%
Shares Outstanding58.87M
Shares Float54.89M
Beta1.03
Dividend Yield5.06%
Dividend Rate1.28
Payout Ratio103.23%

Analyst Ratings

Buy
Based on 6 analystsTarget 36.33
  • Strong Buy
    3
  • Buy
    2
  • Hold
    1

Ownership Breakdown

Institutions
98.56%
Insiders
1.24%
Retail / Other
0.20%

Top Institutional Holders

  • BlackRock Inc
    7.36M12.48%
  • Fuller & Thaler Asset Management Inc
    3.70M6.28%
  • Vanguard Portfolio Management, LLC
    3.32M5.64%
  • Vanguard Capital Management, LLC
    2.63M4.46%
  • D. E. Shaw & Co LP
    2.45M4.16%
  • State Street Corp
    2.26M3.83%
  • Dimensional Fund Advisors, Inc.
    2.13M3.61%
  • AQR Capital Management LLC
    1.27M2.16%
  • Newsouth Capital Management Inc
    1.08M1.83%
  • Ameriprise Financial Inc
    1.01M1.72%
  • Geode Capital Management, LLC
    996.24K1.69%
  • Millennium Management LLC
    973.02K1.65%
  • Prudential Financial Inc
    883.13K1.50%
  • Charles Schwab Investment Management Inc
    880.71K1.49%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    3.58M6.07%
  • Undiscovered Managers Behavioral Val L
    2.84M4.82%
  • Vanguard MStar Total Stk Mkt Idx Invest
    1.88M3.19%
  • iShares Russell 2000 ETF
    1.47M2.49%
  • Vanguard Small Cap Index
    1.35M2.30%
  • Vanguard MStar Small Cap Value Index
    860.28K1.46%

Dividends

20263×
0.32Aug 21, 20260.32May 18, 20260.32Feb 17, 2026
20254×
0.32Nov 17, 20250.32Aug 18, 20250.32May 19, 20250.32Feb 18, 2025
20244×
0.31Nov 18, 20240.31Aug 19, 20240.31May 10, 20240.31Feb 16, 2024
20234×
0.31Nov 13, 20230.31Aug 11, 20230.31May 12, 20230.31Feb 10, 2023
20224×
0.31Nov 14, 20220.31Aug 12, 20220.31May 13, 20220.31Feb 11, 2022
20214×
0.31Nov 12, 20210.31Aug 13, 20210.31May 14, 20210.31Feb 12, 2021
20201×
0.30Nov 13, 2020

Stock Splits

  • Mar 29, 19992:1