KMPR Earnings Prediction
The chart below shows how KMPR performed 10 days before and after its earnings report, based on data from the past quarters. Typically, KMPR sees a +0.11% change in stock price 10 days leading up to the earnings, and a +3.24% change 10 days following the report. On the earnings day itself, the stock moves by +0.22%. This data can give you a slight idea of what to expect for the next quarter's release.
KMPR Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
8.54B
617.40%
621.77%
Gross Margin
--
--
--
Operating Margin
24.29%
132.22%
79.93%
Net Margin
1.12%
-74.01%
-81.64%
EPS
1.51
88.75%
32.46%
No Data Available
KMPR Earnings Analysis
Kemper Corp Corporation (KMPR.N) Earnings Conference Call
Positive
Q4 2024 Earnings Beat: Kemper Corporation reported a Q4 2024 net income of $97 million, translating to an EPS of $1.51, exceeding expectations of $1.38.
Strong Combined Ratio: The Specialty Auto business achieved a strong underlying combined ratio of 91.7% for the quarter, indicating effective cost management and profitability.
Specialty Auto Policy Growth: Year-over-year growth in policies in force (PIF) for Specialty Auto reached 5%, with a sequential quarter growth of 1.7%, showcasing strong customer acquisition and retention.
Return on Equity Performance: The company generated a return on equity of 14% for the quarter and 11.9% for the year, reflecting robust financial performance and effective capital management.
Stock Buyback and Dividend Increase: Kemper repurchased $14 million of common stock during the quarter and increased its quarterly dividend by $0.01 to $0.32, marking the first dividend increase in four years, demonstrating confidence in future growth.
Negative
Stagnant Investment Income: Net investment income for the quarter was $103 million, which is stagnant compared to previous quarters, indicating a lack of growth in investment returns.
Catastrophe Program Limit Reduction: The Catastrophe Excess of Loss program's limit is approximately 30% lower than last year, reflecting a reduction in total insured value due to the Kemper preferred exit, which may expose the company to higher risks.
Life Segment Income Challenges: The Life segment's anticipated annual adjusted net operating income run rate is roughly $55 million, which is significantly lower than previous years, indicating potential challenges in growth.
Specialty Auto Combined Ratio: The underlying combined ratio for the Specialty Auto business was reported at 91.7%, which, while acceptable, shows a slight deterioration from previous quarters, suggesting increased underwriting pressures.
Customer Activity Decline: The company experienced a decline in customer shopping activity in the fourth quarter, which traditionally results in a sequential quarter PIF decline, indicating potential challenges in maintaining growth momentum.
KMPR FAQs
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KMPR Earning Call Sentiment
Kemper Corporation (NYSE:KMPR) Q4 2024 Earnings Call Transcript
KMPR.N
-0.49%Positive
The earnings call highlights strong financial performance with EPS and net income exceeding expectations, improved profitability, and a stable combined ratio. The announcement of debt retirement and a dividend increase further strengthen the outlook. While there are some concerns about unclear management responses, particularly regarding seasonality and share repurchase plans, the overall sentiment is positive. The market cap suggests moderate price sensitivity, leading to a prediction of a 2% to 8% positive stock price movement.
