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Kemper KMPR Percentage payout of incurred claims, year five

Percentage payout of incurred claims, year five at other companies

W.R. Berkley logo
W.R. BerkleyWRB
13.5%+0.3pp
W.R. Berkley logo
W.R. BerkleyWRB
16.4%+0.2pp
W.R. Berkley logo
W.R. BerkleyWRB
9.1%+0.9pp
W.R. Berkley logo
W.R. BerkleyWRB
11%+0.4pp
W.R. Berkley logo
W.R. BerkleyWRB
7.4%+0.9pp
RenaissanceRe Holdings logo
RenaissanceRe HoldingsRNR
3.8%-1.7pp

Segments

By product

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Specialty Personal Automobile Insurance—Physical Damage99.8%-0.2%
Homeowners98.8%-0.5%
Specialty Personal Automobile Insurance—Liability96.8%-0.6%
Preferred Personal Automobile Insurance—Liability94.8%+0.2%
Commercial Automobile Insurance—Liability91.6%+1.2%

Other financials

Income statement

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Revenue$1.1B-7.2%
Operating income$132.4M+440%
Net income-$1.7M-102%
EPS (diluted)-$0.03-102%

Balance sheet

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Cash & equivalents$92.6M-19.8%
Total debt$944.0M-5.3%
Total equity$2.6B+624%
Total assets$12.4B-0.5%

Cash flow

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Operating cash flow$88.8M-50.7%
CapEx$10.9M+41.6%
Free cash flow$77.9M-54.8%

Valuation

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Market cap$1.54B-58.0%
Enterprise value$2.39B-48.7%
P/E30.8×+20.2×
P/S0.3×-0.5×

Profitability

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Net margin1.1%-6.3pp
FCF margin9.8%-0.3pp

Returns & leverage

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Return on equity3.3%-20.1pp
Debt / equity0.4×-2.4×