Kemper Corporation 5.875% Fixed (KMPB) 10-Year Financial Performance & Capital Metrics

KMPB • • Insurance & Managed Care

Financial ServicesProperty & Casualty InsurancePersonal Lines InsuranceRegional Personal Lines

AboutKemper Corp. is a holding company, which engages in the property and casualty insurance, and life and health insurance businesses. It operates through the following segments: Specialty Property and Casualty Insurance, Preferred Property and Casualty Insurance, and Life and Health Insurance. The Specialty Property and Casualty Insurance segment provides personal and commercial automobile insurance. The Preferred Property and Casualty Insurance segment sells automobile, homeowners, and other personal insurance. The Life and Health Insurance segment offers financial security for loved ones, as well as financial protection from healthcare. The company was founded in 1990 and is headquartered in Chicago, IL.Show more

Revenue $4.63B -5.7%
Combined Ratio 91.61% -8.4%
Net Income $318M +216.8%
Return on Equity 12.02% +209.3%
Medical Cost Ratio 87.28%
Operating Margin 8.39%
Net Margin 6.86% +223.9%
ROA 2.5% +220.2%
Equity / Assets 22.04% +12.1%
Book Value per Share 42.98 +9.9%
Tangible BV/Share 18.80 +28.6%
Debt/Equity 0.50 -9.9%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Profitable underwriting: 91.6% combined ratio
✓Healthy dividend yield of 5.2%
✓Trading near 52-week high
✓Trading at only 0.6x book value

✗Weaknesses

✗High loss ratio of 87.3%

Price & Volume

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Growth Metrics

Revenue CAGR

10Y7.75%

5Y-1.59%

3Y-6.21%

TTM4.48%

Profit (Net Income) CAGR

10Y10.75%

5Y-9.76%

3Y-

TTM-8.5%

EPS CAGR

10Y8.76%

5Y-9.21%

3Y-

TTM-8.81%

ROCE

10Y Avg1.65%

5Y Avg0.61%

3Y Avg0.2%

Latest3.06%

Peer Comparison

Regional Personal Lines

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
NODKNI Holdings, Inc.	274.26M	13.31	55.46	6.97%	0.87%	1.06%	13.68%
HMNHorace Mann Educators Corporation	1.74B	42.88	17.29	8.21%	10.24%	11.39%	25.91%	0.42
SAFTSafety Insurance Group, Inc.	1.14B	76.49	16.00	19.85%	7.13%	9.7%	10.91%	0.06
UFCSUnited Fire Group, Inc.	912.14M	35.75	14.96	13.98%	8.22%	12.38%	36.01%	0.15
DGICADonegal Group Inc.	608.25M	19.58	12.80	6.71%	8.72%	13.73%	11.09%	0.06
MCYMercury General Corporation	5.06B	91.39	10.82	18.27%	7.55%	19.69%	19.58%	0.30
KINSKingstone Companies, Inc.	225.09M	15.91	10.75	7.6%	14.2%	0.02%	24.71%	0.17
KMPRKemper Corporation	2.26B	38.61	7.86	-5.74%	5.14%	9.14%	14.59%	0.50

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Revenue+	2.34B	2.52B	2.67B	3.69B	5.02B	5.18B	5.61B	5.45B	4.91B	4.63B
Revenue Growth %	0.07%	0.08%	0.06%	0.38%	0.36%	0.03%	0.08%	-0.03%	-0.1%	-0.06%
Medical Costs & Claims+	1.83B	2.16B	2.23B	2.92B	3.83B	4.02B	5.26B	5.66B	0	4.04B
Medical Cost Ratio %	-	-	-	-	-	-	-	-	-	-
Gross Profit+	513.4M	357.5M	439.2M	766.9M	1.19B	1.16B	354.8M	-211.3M	4.91B	589.4M
Gross Margin %	-	-	-	-	-	-	-	-	-	-
Gross Profit Growth %	-0.16%	-0.3%	0.23%	0.75%	0.55%	-0.02%	-0.69%	-1.6%	24.26%	-0.88%
Operating Expenses+	413.1M	354M	278.1M	567.8M	528.4M	650.8M	604.2M	159.7M	4.91B	200.9M
OpEx / Revenue %	-	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	28.9M	19.5M	18.2M	171.9M	62.5M	55M	99.8M	70.9M	58.6M	53.7M
Combined Ratio %	-	-	-	-	-	-	-	-	-	-
Operating Income+	100.3M	3.5M	161.1M	199.1M	661.6M	510.1M	-249.4M	-371M	0	388.5M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.37%	-0.97%	45.03%	0.24%	2.32%	-0.23%	-1.49%	-0.49%	1%	-
EBITDA+	129.2M	23M	179.3M	371M	724.1M	565.1M	-149.6M	-300.1M	-232.4M	442.2M
EBITDA Margin %	-	-	-	-	-	-	-	-	-	-
Interest Expense	46.5M	44.4M	34.9M	43.4M	42.5M	36M	43.6M	54.7M	56.1M	56.9M
Non-Operating Income	-46.5M	-44.4M	-34.9M	-43.4M	-42.5M	-36M	-43.7M	-54.7M	291M	-56.9M
Pretax Income+	100.3M	3.5M	161.1M	199.1M	661.6M	510.1M	-249.3M	-371M	-347.1M	388.5M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	20.1M	-9.2M	41.2M	10.7M	130.5M	100.2M	-125.6M	-84.4M	-74.8M	76M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	85.7M	16.8M	120.9M	190.1M	531.1M	409.9M	-123.7M	-286.6M	-272.1M	317.8M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.25%	-0.8%	6.2%	0.57%	1.79%	-0.23%	-1.3%	-1.32%	0.05%	2.17%
EPS (Diluted)+	1.65	0.33	2.33	3.24	7.96	6.14	-1.88	-4.72	-4.25	4.91
EPS Growth %	-0.22%	-0.8%	6.06%	0.39%	1.46%	-0.23%	-1.31%	-1.51%	0.1%	2.16%
EPS (Basic)	1.65	0.33	2.34	3.27	8.04	6.24	-1.88	-4.72	-4.25	4.95
Diluted Shares Outstanding	51.68M	51.21M	51.58M	58.75M	66.55M	66.73M	64.26M	63.83M	64.03M	64.78M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Assets+	8.04B	8.21B	8.38B	11.54B	12.99B	14.34B	14.92B	13.36B	12.74B	12.63B
Asset Growth %	0.03%	0.02%	0.02%	0.38%	0.13%	0.1%	0.04%	-0.1%	-0.05%	-0.01%
Total Investment Assets+	6.43B	6.61B	6.8B	8.07B	9.26B	10.42B	10.39B	8.79B	8.91B	8.92B
Long-Term Investments	5.82B	6.06B	6.31B	7.65B	8.6B	9.62B	9.34B	7.63B	7.87B	7.9B
Short-Term Investments	5.11B	5.4B	5.62B	6.71B	470.9M	875.4M	284.1M	7.17B	522.9M	1.07B
Total Current Assets+	5.8B	6.06B	6.23B	8.08B	0	0	0	692M	0	0
Cash & Equivalents	161.7M	115.7M	45.7M	75.1M	136.8M	206.1M	148.2M	212.4M	64.1M	65.4M
Receivables	1000K	0	0	0	1000K	1000K	1000K	0	1000K	1000K
Other Current Assets	0	0	0	0	-1.99B	-2.51B	-2.23B	0	-1.81B	-2.37B
Goodwill & Intangibles+	639.4M	655M	504M	1.42B	1.44B	1.43B	1.61B	1.62B	1.57B	1.57B
Goodwill	323M	323M	323M	1.11B	1.11B	1.11B	1.31B	1.3B	1.25B	1.25B
Intangible Assets	316.4M	332M	181M	308.8M	328.4M	320.1M	293.8M	316.4M	318.3M	315.5M
PP&E (Net)	6.1B	6.35B	6.43B	9.36B	0	0	0	12.2M	0	0
Other Assets	-6.14B	-6.38B	-6.63B	-9.08B	-10.04B	-11.06B	-10.95B	-7.65B	-9.44B	-9.46B
Total Liabilities	750.6M	6.24B	607.1M	8.49B	9.02B	9.78B	10.91B	10.92B	10.24B	9.85B
Total Debt+	750.6M	751.6M	592.3M	909M	778.4M	1.17B	1.12B	1.39B	1.39B	1.39B
Net Debt	588.9M	635.9M	546.6M	833.9M	641.6M	966.7M	973.7M	1.17B	1.33B	1.33B
Long-Term Debt	750.6M	751.6M	592.3M	909M	329.8M	724M	672.9M	1.39B	1.39B	941.7M
Short-Term Debt	0	359.8M	0	0	448.6M	448.8M	449M	449.3M	0	449.6M
Total Current Liabilities+	466.8M	359.8M	5B	448.4M	0	0	0	167.6M	0	0
Accounts Payable	0	0	0	0	0	0	0	-449.3M	0	0
Deferred Revenue	0	0	0	0	0	0	0	189.4M	0	0
Other Current Liabilities	-466.8M	-812.9M	4.55B	-674.9M	-1.18B	-1.18B	-1.29B	-718.4M	0	-449.6M
Deferred Taxes	0	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Liabilities	5.29B	5.47B	5.66B	7.59B	-508M	-1.01B	-899.9M	9.26B	-1.44B	-956.5M
Total Equity+	1.99B	1.98B	2.12B	3.05B	3.97B	4.56B	4.01B	2.44B	2.5B	2.78B
Equity Growth %	-0.05%	-0.01%	0.07%	0.44%	0.3%	0.15%	-0.12%	-0.39%	0.03%	0.11%
Shareholders Equity	1.99B	1.98B	2.12B	3.05B	3.97B	4.56B	4.01B	2.44B	2.51B	2.79B
Minority Interest	0	0	0	0	0	0	0	0	-200K	-4.1M
Retained Earnings	1.21B	1.17B	1.24B	1.36B	1.81B	2.07B	1.76B	1.38B	1.01B	1.23B
Common Stock	5.1M	5.1M	5.1M	6.5M	6.7M	6.5M	6.4M	6.4M	6.4M	6.4M
Accumulated OCI	124.3M	137M	194.4M	21.8M	336.1M	680.5M	448.1M	-756M	-360.8M	-304.5M
Return on Equity (ROE)	0.04%	0.01%	0.06%	0.07%	0.15%	0.1%	-0.03%	-0.09%	-0.11%	0.12%
Return on Assets (ROA)	0.01%	0%	0.01%	0.02%	0.04%	0.03%	-0.01%	-0.02%	-0.02%	0.03%
Equity / Assets	-	-	-	-	-	-	-	-	-	-
Debt / Equity	0.38x	0.38x	0.28x	0.30x	0.20x	0.26x	0.28x	0.57x	0.55x	0.50x
Book Value per Share	38.55	38.57	41.02	51.91	59.69	68.39	62.36	38.28	39.12	42.98
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	215M	240.5M	240.6M	540M	534.3M	448M	350.7M	-210.3M	-135.3M	382.9M
Operating CF Growth %	0.61%	0.12%	0%	1.24%	-0.01%	-0.16%	-0.22%	-1.6%	0.36%	3.83%
Operating CF / Revenue %	-	-	-	-	-	-	-	-	-	-
Net Income	85.7M	16.8M	120.9M	190.1M	531.1M	409.9M	-120.5M	-301.2M	-272.1M	312.5M
Depreciation & Amortization	28.9M	19.5M	18.2M	171.9M	62.5M	55M	99.8M	70.9M	0	53.7M
Stock-Based Compensation	6.5M	4.7M	9.4M	18.6M	0	0	28M	17.7M	0	0
Deferred Taxes	0	0	0	0	0	0	-28M	-17.7M	0	0
Other Non-Cash Items	32.9M	26.6M	-34.1M	62.4M	-205.6M	-30.6M	-140.7M	115.5M	188.1M	34.6M
Working Capital Changes	67.5M	177.6M	135.6M	115.6M	146.3M	13.7M	512.1M	-95.5M	-51.3M	-17.9M
Cash from Investing+	-28.6M	-238.1M	-105.4M	-497.6M	-633.4M	-757M	-118.2M	-108.4M	107.9M	-244.4M
Capital Expenditures	-8.9M	-17.6M	-35.5M	-65.3M	-84M	-53.4M	-57.8M	-30.8M	-53.8M	-53.2M
Acquisitions	-57.1M	6.4M	20.2M	-589.6M	0	0	-316.6M	14.8M	0	0
Purchase of Investments	-944.9M	-985.1M	-1.06B	-2.07B	-1.99B	-2.15B	-2.05B	-1.89B	-855.1M	-1.61B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Investing	-4.2M	-5.2M	22.4M	3.1M	-33.6M	-8.9M	-129.4M	-94.4M	-20.9M	40.3M
Cash from Financing+	-100.8M	-48.4M	-205.2M	-13M	160.8M	378.3M	-290.4M	382.9M	-122M	-137.2M
Dividends Paid	-49.7M	-49.2M	-49.5M	-56.4M	-67.8M	-78.9M	-80.6M	-79.7M	-80.1M	-80.1M
Share Repurchases	-45M	-3.8M	0	0	0	-110.4M	-161.7M	-4.9M	0	-38.9M
Stock Issued	0	0	4M	900K	127.5M	0	0	4.9M	4.3M	0
Debt Issuance (Net)	-1000K	0	-1000K	1000K	-1000K	1000K	-1000K	1000K	0	0
Other Financing	1.5M	4.6M	4.1M	9.8M	236.2M	170.8M	1.9M	200.7M	-46.2M	-18.2M
Net Change in Cash+	85.6M	-46M	-70M	29.4M	61.7M	69.3M	-57.9M	64.2M	-148.3M	1.3M
Exchange Rate Effect	0	0	0	0	0	0	0	0	1000K	0
Cash at Beginning	76.1M	161.7M	115.7M	45.7M	75.1M	136.8M	206.1M	148.2M	212.4M	64.1M
Cash at End	161.7M	115.7M	45.7M	75.1M	136.8M	206.1M	148.2M	212.4M	64.1M	65.4M
Free Cash Flow+	206.1M	222.9M	205.1M	474.7M	450.3M	394.6M	292.9M	-241.1M	-189.1M	329.7M
FCF Growth %	0.69%	0.08%	-0.08%	1.31%	-0.05%	-0.12%	-0.26%	-1.82%	0.22%	2.74%
FCF Margin %	-	-	-	-	-	-	-	-	-	-
FCF per Share	3.99	4.35	3.98	8.08	6.77	5.91	4.56	-3.78	-2.95	5.09

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Combined Ratio	95.72%	99.86%	93.96%	94.6%	86.82%	90.15%	104.44%	106.81%	100%	91.61%
Medical Cost Ratio	78.07%	85.82%	83.54%	79.2%	76.3%	77.58%	93.68%	103.88%	0%	87.28%
Return on Equity (ROE)	4.2%	0.85%	5.91%	7.36%	15.13%	9.6%	-2.89%	-8.89%	-11%	12.02%
Return on Assets (ROA)	1.08%	0.21%	1.46%	1.91%	4.33%	3%	-0.85%	-2.03%	-2.08%	2.5%
Equity / Assets	24.79%	24.06%	25.26%	26.42%	30.58%	31.82%	26.87%	18.28%	19.66%	22.04%
Book Value / Share	38.55	38.57	41.02	51.91	59.69	68.39	62.36	38.28	39.12	42.98
Debt / Equity	0.38x	0.38x	0.28x	0.30x	0.20x	0.26x	0.28x	0.57x	0.55x	0.50x
Revenue Growth	6.56%	7.74%	5.83%	38.17%	36.13%	3.16%	8.42%	-2.92%	-9.83%	-5.74%

Revenue by Segment

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023
Specialty Property & Casualty Insurance	-	-	-	-	-	-	3.45B	4.08B	4.18B	3.63B
Specialty Property & Casualty Insurance Growth	-	-	-	-	-	-	-	18.11%	2.63%	-13.16%
Preferred Property & Casualty Insurance	-	-	-	-	792.5M	-	726M	704M	640.5M	509.3M
Preferred Property & Casualty Insurance Growth	-	-	-	-	-	-	-	-3.03%	-9.02%	-20.48%
Life and Health Insurance	-	-	-	-	-	-	848.1M	839.1M	835M	387.6M
Life and Health Insurance Growth	-	-	-	-	-	-	-	-1.06%	-0.49%	-53.58%
Others	-	-	-	-	-	-	-	-	-	-
Others Growth	-	-	-	-	-	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

Kemper Corporation 5.875% Fixed (KMPB) has a price-to-earnings (P/E) ratio of 4.8x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Kemper Corporation 5.875% Fixed (KMPB) saw revenue decline by 5.7% over the past year.

Yes, Kemper Corporation 5.875% Fixed (KMPB) is profitable, generating $248.7M in net income for fiscal year 2024 (6.9% net margin).

Dividend & Returns

Yes, Kemper Corporation 5.875% Fixed (KMPB) pays a dividend with a yield of 5.21%. This makes it attractive for income-focused investors.

Kemper Corporation 5.875% Fixed (KMPB) has a return on equity (ROE) of 12.0%. This is reasonable for most industries.

Industry Metrics

Kemper Corporation 5.875% Fixed (KMPB) has a combined ratio of 91.6%. A ratio below 100% indicates underwriting profitability.

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