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KMPR Kemper

Kemper 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 provides financial security for loved ones, as well as financial protection from healthcare. The company was founded in 1967 and is headquartered in Chicago, IL.

Company profile

Ticker
KMPR
Exchange
Website
CEO
Joseph Lacher
Employees
Incorporated
Location
Fiscal year end
Former names
UNITRIN INC
SEC CIK
IRS number
954255452

KMPR stock data

(
)

Investment data

Data from SEC filings
22 long holdings
End of quarter 31 Mar 21
Value
 
#Shares
 
Prev Q
 
Change
%, QoQ
Vanguard Intl Equity Index F
$205.44M 2.11M 2.11M 0
$79.83M 1.14M 1.14M 0
Vanguard Star FDS
$46.83M 746.84K 746.84K 0
$27.5M 425.69K 425.69K 0
$19.59M 94.8K 94.8K 0
$18.84M 51.73K 51.73K 0
$18.5M 46.51K 46.51K 0
$17.24M 178.21K 178.21K 0
$17.17M 178.76K 178.76K 0
$17.06M 186.2K 186.2K 0
$16.77M 42.3K 42.3K 0
$15.67M 318.63K 318.63K 0
$10.9M 233.82K 233.82K 0
$5.53M 29.85K 29.85K 0
$5.49M 24.51K 24.51K 0
$772K 16K 16K 0
$589K 38.12K 38.12K 0
$92K 3.32K 3.32K 0
$55K 1.71K 1.71K 0
$48K 4.43K 4.43K 0
$11K 427 427 0
$4K 118 118 0
1.1K EXIT
Holdings list only includes long positions. Only includes long positions.

Calendar

29 Apr 21
13 Jun 21
31 Dec 21
Quarter (USD)
Mar 21 Dec 20 Sep 20 Jun 20
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Annual (USD)
Dec 20 Dec 19 Dec 18 Dec 17
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Financial data from Kemper earnings reports.

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
7 May 21 John Michael Boschelli Common Stock Sell Dispose S No No 79.0683 7,781 615.23K 14,793
6 May 21 John Michael Boschelli Common Stock Payment of exercise Dispose F No No 79.46 6,909 548.99K 22,574
6 May 21 John Michael Boschelli Common Stock Option exercise Aquire M No No 60 8,000 480K 29,483
6 May 21 John Michael Boschelli Common Stock Payment of exercise Dispose F No No 79.46 4,139 328.88K 21,483
6 May 21 John Michael Boschelli Common Stock Option exercise Aquire M No No 43.3 5,543 240.01K 25,622
6 May 21 John Michael Boschelli Employee Stock Option Common Stock Option exercise Dispose M No No 60 8,000 480K 0
6 May 21 John Michael Boschelli Employee Stock Option Common Stock Option exercise Dispose M No No 43.3 5,543 240.01K 0
5 May 21 Storch David P Common Stock Grant Aquire A No No 0 1,670 0 25,373
5 May 21 Gerald Laderman Common Stock Grant Aquire A No No 0 1,670 0 3,677
5 May 21 Stuart B. Parker Common Stock Grant Aquire A No No 0 1,670 0 2,694

Data for the last complete 13F reporting period. To see the most recent changes to ownership, click the ownership history button above.

13F holders
Current Prev Q Change
Total holders 0 0
Opened positions 0 0
Closed positions 0 0
Increased positions 0 0
Reduced positions 0 0
13F shares
Current Prev Q Change
Total value 0 0
Total shares 0 0
Total puts 0 0
Total calls 0 0
Total put/call ratio
Largest owners
Shares Value Change
Largest transactions
Shares Bought/sold Change

Financial report summary

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Risks
  • Estimating losses and LAE for determining property and casualty insurance reserves, or determining premium rates, is inherently uncertain, and the Company’s results of operations may be materially impacted if the Company’s insurance reserves or premium rates are insufficient.
  • Catastrophe losses could materially and adversely affect the Company’s results of operations, liquidity and/or financial condition.
  • Changes in the availability and cost of catastrophe reinsurance and in the ability of reinsurers to meet their obligations could result in Kemper’s insurance subsidiaries retaining more risk and could adversely and materially affect the Company’s results of operations, financial condition and/or liquidity.
  • A downgrade in the ratings of Kemper or its insurance subsidiaries below A- could materially and adversely affect the Company.
  • The insurance industry is highly competitive, making it difficult to grow profitability and within expectations of investors.
  • Kemper’s insurance subsidiaries are subject to significant regulation, and the evolving legal and regulatory landscape in which they operate could result in increased operating costs, reduced profitability and limited growth.
  • Legal and regulatory proceedings are unpredictable and could produce one or more unexpected outcomes that could materially and adversely affect the Company’s financial results for any given period.
  • Failure to protect against system security breaches that compromise personal data held by the Company or its business partners could result in business interruption, legal and consulting fees, regulatory penalties, litigation, lost business, reputational harm, and other liabilities and expenses.
  • Technology initiatives could present significant economic and competitive challenges to the Company. Failure to complete and implement such initiatives in a timely manner could result in the loss of business and incurrence of internal use software development costs that may not be recoverable.
  • The determination of the fair values of the Company’s investments and whether a decline in the fair value of an investment is other-than-temporary are based on management’s judgment and may prove to be materially different than the actual economic outcome.
  • The ability of Kemper to service its debt, pay dividends to its shareholders and/or fund targeted transactions may be materially impacted by lack of timely and/or sufficient dividends received from its subsidiaries.
  • The expected benefits and synergies from mergers, acquisitions and/or divestitures may not be realized to the extent anticipated or within the anticipated time frames.
  • The impact of COVID-19 and related economic conditions could materially affect Kemper’s results of operations, financial position and/or liquidity.
Management Discussion
  • The Specialty Property & Casualty Insurance segment reported Segment Net Operating Income of $80.1 million for the three months ended March 31, 2021, compared to $60.1 million for the same period in 2020. Segment Net Operating Income increased by $20.0 million due primarily to an improvement in underlying losses and LAE as a percentage of earned premiums, favorable loss reserve development, and higher net investment income, partially offset by the impact of higher insurance expense and loss from change in value of Alternative Energy Partnership Investments. Underlying losses and LAE exclude the impact of catastrophes and loss and LAE reserve development.
  • Earned Premiums in the Specialty Property & Casualty Insurance segment increased by $55.1 million for the three months ended March 31, 2021, compared to the same period in 2020, driven primarily by higher volume. Both of the segment’s product lines had higher volume, driving the period over period earned premiums growth.
  • Net Investment Income in the Specialty Property & Casualty Insurance segment increased by $6.2 million for the three months ended March 31, 2021, compared to the same period in 2020, due primarily to a higher return on Alternative Investments and a higher level of investments, partially offset by lower yields on fixed income securities.
Content analysis
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Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability
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