KEMPER Corp KMPR
Kemper is an insurance holding company that offers complementary insurance products, through its subsidiaries, including personal and commercial automobile insurance to consumers in targeted markets and industries. Kemper also offers life and other insurance solutions to customers who desire basic protection for themselves and their families. Kemper's annual reports on Form 10-K, quarterly reports on Form 10‑Q, current reports on Form 8-K and amendments thereto are accessible free of charge through Kemper's website, kemper.com, and as soon as reasonably practicable after such materials are filed with, or furnished to, the SEC, which also maintains an Internet site at sec.gov that contains reports, proxy and information statements, and other information regarding issuers that file electronically with the SEC.
Valuation FY2025 figures against the last close
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.79B | $4.64B | $4.94B | $5.52B | $5.72B | $5.21B | $5.04B | $3.73B | $2.72B | $2.52B |
| Total operating expenses | $4.63B | $4.25B | $5.29B | $5.89B | $5.97B | $4.70B | $4.38B | $3.53B | $2.56B | $2.52B |
| Operating income | — | — | -$68.9M | -$166.6M | -$334.0M | $546.8M | $518.8M | $286.2M | $118.9M | $3.1M |
| Interest expense | $38.5M | $56.9M | $56.1M | $54.7M | $43.6M | $36.0M | $42.5M | $43.3M | $34.9M | $44.4M |
| Pre-tax income | $160.7M | $388.5M | -$347.1M | -$389.5M | -$245.3M | $510.1M | $661.6M | $199.1M | $161.1M | $3.5M |
| Income tax | $28.1M | $76.0M | $74.8M | $84.4M | $125.6M | $100.2M | $130.5M | $10.7M | $41.2M | $9.2M |
| Net income | $143.3M | $317.8M | -$272.1M | -$286.6M | -$123.7M | $409.9M | $531.1M | $190.1M | $120.9M | $16.8M |
| EPS, basic | 2.31 | 4.95 | -4.25 | -4.50 | -1.92 | 6.24 | 8.04 | 3.25 | 2.34 | 0.33 |
| EPS, diluted | 2.29 | 4.91 | -4.25 | -4.50 | -1.92 | 6.14 | 7.96 | 3.22 | 2.33 | 0.33 |
| Shares, diluted (wtd. avg.) | $62.6M | $64.8M | $64.0M | $63.8M | $64.3M | $66.7M | $66.5M | $58.8M | $51.6M | $51.2M |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $126.0M | $65.4M | $64.1M | $212.4M | $148.2M | $206.1M | $136.8M | $75.1M | $45.7M | — |
| Short-term investments | — | — | — | — | — | — | $470.9M | $286.1M | — | — |
| Goodwill | $1.25B | $1.25B | $1.25B | $1.30B | $1.31B | $1.11B | $1.11B | $1.11B | $323.0M | $323.0M |
| Other intangibles | $226.5M | $266.1M | $268.9M | $267.0M | $292.9M | $272.3M | $328.4M | $261.0M | $133.2M | — |
| Total assets | $12.47B | $12.63B | $12.74B | $13.31B | $14.92B | $14.34B | $12.99B | $11.54B | $8.38B | $8.21B |
| Short-term debt | $0 | $449.9M | $0 | — | — | — | — | — | — | — |
| Long-term debt | $943.5M | $941.7M | $1.39B | $1.39B | $1.12B | $1.17B | $778.4M | $909.0M | $592.3M | $751.6M |
| Total liabilities | $9.80B | $9.85B | $10.24B | $10.64B | $10.91B | $9.78B | $9.02B | $8.49B | $6.26B | $6.24B |
| Retained earnings | $1.16B | $1.23B | $1.01B | $1.37B | $1.76B | $2.07B | $1.81B | $1.36B | $1.24B | $1.17B |
| Total equity | $2.68B | $2.79B | $2.50B | $241.1M | -$849.7M | $4.56B | $3.97B | $3.05B | $2.12B | $1.98B |
Cash flow
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $584.5M | $382.9M | -$134.2M | -$210.3M | $350.7M | $448.0M | $534.3M | $539.2M | $240.6M | $240.5M |
| Depreciation and amortisation | $74.3M | $53.7M | $58.6M | $70.9M | $46.3M | $36.2M | $32.8M | $15.6M | $13.1M | $13.6M |
| Capital expenditure | $30.6M | $53.2M | $53.8M | $30.8M | $57.8M | $53.4M | $84.0M | $65.3M | $35.5M | — |
| Investing cash flow | $336.2M | -$244.4M | $107.9M | -$108.4M | -$118.2M | -$757.0M | -$633.4M | -$497.6M | -$105.4M | -$238.1M |
| Financing cash flow | -$860.1M | -$137.2M | -$122.0M | $382.9M | -$290.4M | $378.3M | $160.8M | -$12.2M | -$205.2M | -$48.4M |
| Dividends paid | $79.6M | $80.1M | $80.1M | $79.7M | $80.6M | $78.9M | $67.8M | $56.4M | $49.5M | $49.2M |
| Buybacks | $301.9M | $38.9M | $0 | $0 | $161.7M | $110.4M | $0 | $0 | $0 | $3.8M |
Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0000860748-26-000014.
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