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Kemper KMPR Incurred but not reported (IBNR) claims liability, net

Segments

By product

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Specialty Personal Automobile Insurance—Liability$630.3M+24.6%
Commercial Automobile Insurance—Liability$334.6M+34.4%
Specialty Personal Automobile Insurance—Physical Damage-$10.6M-249%
Preferred Personal Automobile Insurance—Liability$8.3M-58.1%
Homeowners$1.8M-75.0%

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×