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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.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $4.8B | - | $143M | $554M | 5.3% | 3.2% | -54.9% |
| 2024 | $4.6B | - | $318M | $330M | 11.4% | -6.2% | -216.8% |
| 2023 | $4.9B | - | $-272M | $-188M | -10.9% | -9.4% | -5.1% |
| 2022 | $5.5B | - | $-287M | $-241M | -10.7% | - | - |
| 2021 | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 5,450.50 | 4,940.80 | 4,632.70 | 4,782.90 |
| Operating Revenue | - | 5,450.50 | 4,940.80 | 4,632.70 | 4,782.90 |
| Selling General And Administration | 339.50 | 358.40 | 342.80 | -2.60 | - |
| Total Expenses | - | 5,821.50 | 5,258.80 | 4,244.20 | 4,622.20 |
| EBIT | - | -316.30 | -291 | 445.40 | 199.20 |
| Interest Income | - | 296.30 | 327.70 | 320.70 | 317.40 |
| Interest Expense | - | 54.70 | 56.10 | 56.90 | 38.50 |
| Net Interest Income | - | -54.70 | -56.10 | -56.90 | -38.50 |
| Other Income Expense | - | 9.20 | 10.10 | 10.50 | -2 |
| Interest Expense Non Operating | - | 54.70 | 56.10 | 56.90 | 38.50 |
| Net Non Operating Interest Income Expense | - | -54.70 | -56.10 | -56.90 | -38.50 |
| Pretax Income | - | -371 | -347.10 | 388.50 | 160.70 |
| Tax Provision | - | -84.40 | -74.80 | 76 | 28.10 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | -15.12 | -51.10 | -7.45 | -6.63 |
| Net Income Continuous Operations | - | -286.60 | -272.30 | 312.50 | 132.60 |
| Net Income From Continuing And Discontinued Operation | - | -286.60 | -272.10 | 317.80 | 143.30 |
| Net Income From Continuing Operation Net Minority Interest | - | -286.60 | -272.10 | 317.80 | 143.30 |
| Net Income | - | -286.60 | -272.10 | 317.80 | 143.30 |
| Net Income Common Stockholders | - | -286.60 | -272.10 | 317.80 | 143.30 |
| Net Income Including Noncontrolling Interests | - | -286.60 | -272.30 | 312.50 | 132.60 |
| Normalized Income | - | -235.12 | -86.10 | 348.45 | 174.57 |
| Diluted NI Availto Com Stockholders | - | -286.60 | -272.10 | 317.80 | 143.30 |
| Basic Average Shares | - | 63.83 | 64.03 | 64.18 | 62.01 |
| Diluted Average Shares | - | 63.83 | 64.03 | 64.78 | 62.61 |
| Reconciled Depreciation | - | 70.90 | 58.60 | 53.70 | 74.30 |
| Total Unusual Items | - | -66.60 | -237.10 | -38.10 | -37.90 |
| Total Unusual Items Excluding Goodwill | - | -66.60 | -237.10 | -38.10 | -37.90 |
| Minority Interests | - | 0 | 0.20 | 5.30 | 10.70 |
| Special Income Charges | - | -66.60 | -237.10 | -38.10 | -37.90 |
| Other Special Charges | -0.40 | 3.70 | 70.20 | -2.60 | - |
| Write Off | - | 0 | -3 | 0.40 | -0.10 |
| Impairment Of Capital Assets | - | 0 | 46.60 | 0.40 | -0.10 |
| Restructuring And Mergern Acquisition | - | 62.90 | 120.30 | 40.30 | 38 |
| Depreciation And Amortization In Income Statement | 45 | 4.10 | 2 | - | - |
| General And Administrative Expense | 339.50 | 358.40 | 342.80 | -2.60 | - |
| Other Gand A | 339.50 | 358.40 | 342.80 | - | - |
| Salaries And Wages | 0 | 0 | 70.20 | -2.60 | - |
| Other Operating Expenses | - | 111.80 | 91 | 112.20 | 101.40 |
| Amortization | 45 | 4.10 | 2 | - | - |
| Loss Adjustment Expense | - | 4,922.80 | 4,276.10 | 3,485.40 | 3,864.70 |
| Net Policyholder Benefits And Claims | - | 4,922.80 | 4,276.10 | 3,485.40 | 3,864.70 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Kemper Corporationthis co. | KMPR | $1.4B | 9.76↓ discount | 0.52 | 5.3% | - |
| Byline Bancorp, Inc. | BY | $1.5B | 11.70 | 1.20 | 10.3% | - |
| Origin Bancorp, Inc. | OBK | $1.5B | 19.77 | 1.19 | 6.0% | - |
| Lakeland Financial Corporation | LKFN | $1.5B | 14.29 | 1.94 | 13.6% | - |
| Perella Weinberg Partners | PWP | $1.5B |
| - |
| - |
| - |
| - |
| - |
| 41.59 |
| -11.59 |
| -27.9% |
| 20.42 |
| Westamerica Bancorporation | WABC | $1.3B | 11.39 | 1.42 | 12.4% | - |
| Burke & Herbert Financial Services Corp. | BHRB | $1.3B | 10.93 | 1.52 | 13.9% | - |
| Goosehead Insurance, Inc. | GSHD | $1.3B | 32.20 | - | -41.5% | - |
| ProAssurance Corporation | PRA | $1.3B | 24.86 | 0.94 | 3.8% | - |
| Peer Median | - | 17.03 | 1.20 | 8.1% | 20.42 | |