NYSE$KMPR
Kemper Corporation · Q4 2024 earnings
Q4 2024 earnings · · After market close · Investor relations
Briefing
Kemper reported strong operating and financial results for the fourth quarter of 2024, with significant increases in net income and adjusted consolidated net operating income compared to the prior year.
Kemper Corporation delivered strong fourth-quarter results in 2024, with net income rising to $97.4 million from $51.4 million in the prior year. Adjusted consolidated net operating income also saw a substantial increase to $115.1 million from $50.5 million. The Specialty P&C segment showed robust performance with PIF growth and an improved underlying combined ratio, while the Life business continued to generate strong returns.
- Net income for Q4 2024 increased to $97.4 million, up from $51.4 million in Q4 2023.
- Adjusted Consolidated Net Operating Income for Q4 2024 was $115.1 million, compared to $50.5 million in Q4 2023.
- Specialty P&C achieved 5.1% YoY PIF growth and an annual underlying combined ratio of 91.5%.
- The company maintained strong parent liquidity at $1.3 billion, repurchased approximately $14 million of stock, and increased its quarterly dividend.
Headline financials
Revenue & EPS history
Kemper · Revenue · Quarterly
$1.19B
Revenue by segment
Kemper · $1.22B total across 3 segments · Q3 2023
- Specialty Property & Casualty Insurance$935M-9.7%76.4%
- Life Insurance$152M-28.1%12.4%
- Non-Core Operations$138M—11.3%
Forward guidance
The report does not contain explicit forward-looking guidance in terms of specific financial targets or outlook. However, it highlights the company's strong financial position and competitive advantages for future growth.
Tailwinds
- Strong balance sheet provides ongoing financial flexibility.
- Competitive advantages position the company well to meet the needs of underserved markets.
- Ability to continue growing the business.
- Expectation to deliver strong financial results.
- Continued focus on core businesses performing well.
Headwinds
- Changes in the frequency and severity of insurance claims.
- Impacts of inflation on operations.
- Changes in the interest rate environment.
- Potential supply chain disruptions.
- Effects of governmental and regulatory actions.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2024
-0.2%
Avg return
Earnings day
+1.5%
Avg return
5 days after
+2.3%
Avg return
30 days after
53%
36 / 68 earnings
Positive
+16.3%
Q3 2015
Best reaction
-20.1%
Q4 2015
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -8.8% | -6.2% | -24.7% | |
| Q4 2025 | -13.1% | -15.6% | -17.5% | |
| Q3 2025 | -0.8% | -3.4% | -10.1% | |
| Q1 2025 | +1.6% | +5.4% | +3.7% | |
| Q4 2024 | +1.4% | -2.1% | -2.9% | |
| Q3 2024 | -2.0% | -1.4% | +12.5% | |
| Q2 2024 | -9.1% | -5.3% | -2.1% | |
| Q1 2024 | +0.1% | +3.7% | +2.6% | |
| Q4 2023 | -4.5% | +12.0% | +2.8% | |
| Q3 2023 | -3.4% | +1.9% | +4.8% | |
| Q2 2023 | -6.6% | -6.3% | -7.4% | |
| Q1 2023 | +1.8% | -2.9% | +2.3% | |
| Q4 2022 | +5.9% | +4.2% | +10.3% | |
| Q3 2022 | +4.5% | +17.7% | +20.1% | |
| Q2 2022 | -8.8% | -6.6% | -1.7% | |
| Q1 2022 | +12.1% | +5.5% | +12.0% | |
| Q4 2021 | -10.7% | -10.7% | -12.2% | |
| Q3 2021 | -7.9% | -7.2% | -15.4% | |
| Q2 2021 | -2.5% | -7.3% | +3.8% | |
| Q1 2021 | -4.7% | -3.2% | -8.6% | |
| Q4 2020 | -0.9% | +1.9% | +10.2% | |
| Q3 2020 | +5.4% | +5.1% | +24.0% | |
| Q2 2020 | +3.8% | +8.1% | -0.9% | |
| Q1 2020 | +3.3% | -5.2% | +15.9% | |
| Q4 2019 | +0.8% | -0.1% | -14.0% | |
| Q3 2019 | +1.4% | +2.1% | +1.9% | |
| Q2 2019 | -10.2% | -7.9% | -17.8% | |
| Q1 2019 | +3.9% | +4.9% | -2.0% | |
| Q4 2018 | +4.1% | +7.3% | +6.2% | |
| Q3 2018 | +2.2% | +1.4% | -3.2% | |
| Q2 2018 | +6.5% | +6.5% | +8.7% | |
| Q1 2018 | +12.9% | +16.7% | +29.6% | |
| Q4 2017 | -7.3% | +1.9% | -1.9% | |
| Q3 2017 | +5.5% | +5.8% | +14.9% | |
| Q2 2017 | +13.4% | +21.3% | +22.0% | |
| Q1 2017 | -1.6% | -2.4% | +4.2% | |
| Q4 2016 | +5.5% | +4.5% | -2.8% | |
| Q3 2016 | -1.5% | +0.8% | +13.0% | |
| Q2 2016 | +12.2% | +15.1% | +10.4% | |
| Q1 2016 | +1.5% | — | — | |
| Q4 2015 | -20.1% | — | — | |
| Q3 2015 | +16.3% | — | — | |
| Q2 2015 | -1.9% | — | — | |
| Q1 2015 | -1.7% | — | — | |
| Q4 2014 | +3.3% | — | — | |
| Q3 2014 | +0.1% | — | — | |
| Q2 2014 | +0.1% | — | — | |
| Q1 2014 | -7.3% | — | — | |
| Q4 2013 | +1.7% | — | — | |
| Q3 2013 | +3.1% | — | — | |
| Q2 2013 | +1.5% | — | — | |
| Q1 2013 | +2.6% | — | — | |
| Q4 2012 | -3.7% | — | — | |
| Q3 2012 | +0.9% | — | — | |
| Q2 2012 | -2.0% | — | — | |
| Q1 2012 | -0.5% | — | — | |
| Q4 2011 | +0.3% | — | — | |
| Q3 2011 | +8.3% | — | — | |
| Q2 2011 | -7.5% | — | — | |
| Q1 2010 | -3.0% | — | — | |
| Q1 2011 | +1.5% | — | — | |
| Q4 2010 | +7.3% | — | — | |
| Q4 2008 | +7.3% | — | — | |
| Q3 2009 | -0.4% | — | — | |
| Q3 2010 | -0.4% | — | — | |
| Q4 2009 | -8.9% | — | — | |
| Q2 2009 | -8.9% | — | — | |
| Q2 2010 | -8.9% | — | — |
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