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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
23 long holdings
End of quarter 31 Dec 20
Value
 
#Shares
 
Prev Q
 
Change
%, QoQ
Vanguard Intl Equity Index F
$195.5M 2.11M 2.11M 0
$76.32M 1.14M 1.14M 0
Vanguard Star FDS
$44.93M 746.84K 746.84K 0
$26.24M 425.69K 425.69K 0
$18.45M 94.8K 94.8K 0
$17.78M 51.73K 51.73K 0
$17.46M 46.51K 46.51K 0
$16.26M 178.76K 178.76K 0
$16.22M 178.21K 178.21K 0
$16.05M 186.2K 186.2K 0
$15.82M 42.3K 42.3K 0
$14.69M 318.63K 318.63K 0
$10.28M 233.82K 233.82K 0
$5.25M 29.85K 29.85K 0
$5.19M 24.51K 24.51K 0
$1.67M 1.1K 1.1K 0
$802K 16K NEW
$549K 38.12K 38.12K 0
$84K 3.32K 3.32K 0
$49K 1.71K 1.71K 0
$29K 4.43K 4.43K 0
$13K 427 427 0
$4K 118 118 0
16K EXIT
Holdings list only includes long positions. Only includes long positions.

Calendar

10 Feb 21
11 Apr 21
31 Dec 21
Quarter (USD)
Dec 20 Sep 20 Jun 20 Mar 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.

Cash burn rate (estimated) Burn method: Change in cash Burn method: Operating income/loss Burn method: FCF (opex + capex)
Last Q Avg 4Q Last Q Avg 4Q Last Q Avg 4Q
Cash on hand (at last report) 206.1M 206.1M 206.1M 206.1M 206.1M 206.1M
Cash burn (monthly) 48.7M (positive/no burn) (positive/no burn) (positive/no burn) (positive/no burn) (positive/no burn)
Cash used (since last report) 164.3M n/a n/a n/a n/a n/a
Cash remaining 41.8M n/a n/a n/a n/a n/a
Runway (months of cash) 0.9 n/a n/a n/a n/a n/a

Beta Read what these cash burn values mean

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
2 Mar 21 Green Mark A. Common Stock Sell Dispose S Yes No 76.9795 8,000 615.84K 24,463
1 Mar 21 Green Mark A. Common Stock Sell Dispose S Yes No 77.3685 5,000 386.84K 32,463
26 Feb 21 Green Mark A. Common Stock Gift Aquire G Yes No 0 8,727 0 37,463
26 Feb 21 Green Mark A. Common Stock Gift Dispose G No No 0 8,727 0 0
12 Feb 21 Cochran George N Common Stock Buy Aquire P No No 76 500 38K 14,911.05
4 Feb 21 Storch David P Common Stock Buy Aquire P No No 69.82 100 6.98K 23,703
4 Feb 21 Storch David P Common Stock Buy Aquire P No No 70.1668 400 28.07K 23,603
4 Feb 21 Storch David P Common Stock Buy Aquire P No No 70.17 600 42.1K 23,203
4 Feb 21 Storch David P Common Stock Buy Aquire P No No 70.09 900 63.08K 22,603
2 Feb 21 John Michael Boschelli Common Stock Payment of exercise Dispose F No No 69.74 2,928 204.2K 20,079

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 1 EXIT
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
  • Net Income decreased by $121.2 million in 2020, compared to 2019, due primarily to lower investment results, higher acquisition related transaction, integration and other costs and a pension noncash settlement charge, partially offset by higher Adjusted Consolidated Net Operating Income. Adjusted Consolidated Net Operating Income increased by $20.5 million in 2020, compared to 2019, due primarily to higher Specialty Property & Casualty Insurance Segment Net Operating Income and Corporate and Other Net Operating Income, partially offset by lower Preferred Property & Casualty Segment Insurance Net Operating Income and Life & Health Segment Insurance Net Operating Income.
  • In the Specialty Property & Casualty Insurance segment, segment net operating income increased by $54.8 million due primarily to an improvement in underlying losses and LAE as a percentage of earned premiums and higher investment income, partially offset by the impact of adverse loss reserve development. Underlying losses and LAE exclude the impact of catastrophes and loss and LAE reserve development. See MD&A, “Specialty Property & Casualty Insurance,” beginning on page 35 for additional discussion of the segment’s results.
  • In the Preferred Property & Casualty Insurance segment, segment net operating income decreased by $38.4 million due primarily to higher catastrophe losses and LAE (excluding loss reserve development), the impact of adverse loss and LAE reserve development and lower net investment income, partially offset by an improvement in underlying losses and LAE as a percentage of earned premiums. See MD&A, “Preferred Property & Casualty Insurance,” beginning on page 40 for additional discussion of the segment’s results.
Content analysis
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Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability
H.S. sophomore Bad
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