财务表现 - Kemper (KMPR) 2024年第一季度营收为11.3亿美元，同比下降11.7%[1] - EPS为1.07美元，较去年同期的-1.02美元有所增长[1] - 营收超出Zacks Consensus Estimate 3.41%，EPS则低于预期1.83%[2] 投资者关注点 - 投资者通常关注营收和盈利的同比变化，以及与华尔街预期的比较，以确定下一步的行动[3] 公司表现指标 - 一些关键指标能更好地揭示公司的基本表现[4]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ______________________________________________________ FORM 10-Q ______________________________________________________ ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended 3/31/2024 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition Period from to Commission file number 001-18298 ____________________________ ...

财务表现 - Kemper Corporation宣布2024年第一季度初步结果，预计净收入和调整后的综合净营业收入在6500万至7500万美元之间[2] - Kemper Auto的综合比率为94.8%，私人乘用车（PPA）综合比率为95.1%，商用车综合比率为93.6%[3] - Kemper Life的税后收入约为1200万美元[4] 业务增长 - Kemper Auto的新业务生产和保单在力度上有所加强，新签保费增长超过200%，新签保单增加超过150%[3] 资本情况 - 公司母公司流动性约为11亿美元，保险子公司资本充足[5]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 001-18298 Kemper Corporation (Exact name of registrant as specified in its charter) (State or other jurisdiction of DE 95-4255452 (I.R.S. Employer Identification No.) 200 E. Randolp ...

财务数据和关键指标变化 - 公司在2023年第四季度实现净收入5100万美元，每股摊薄收益0.80美元，调整后的净运营收入为5100万美元，每股摊薄收益0.78美元 [23] - 本季度净收入包括1500万美元的投资收益，部分抵消了1400万美元的重组和整合成本 [24] - 保险公司在季度末的流动性增加约3.25亿美元，达到11亿美元 [28] 各条业务线数据和关键指标变化 - Specialty P&C业务的基础综合比率为98%，较前三个季度改善了10个百分点 [18] - 生命保险业务的净运营收入为1500万美元，尽管通货膨胀对目标客户的可支配收入产生影响，但消费者对产品的需求保持稳定 [38] 公司战略和发展方向和行业竞争 - 公司正在进入一个再平衡阶段，预计将持续几个季度，重点是实现长期利润率和恢复健康增长 [11][17] - 公司完成了多个战略举措，包括百慕大优化项目和成本削减计划，超出了预期的收益 [25][26] - 在竞争环境中，市场需求强劲，分销商对公司恢复承保能力持乐观态度 [82] 管理层对经营环境和未来前景的评论 - 管理层对未来前景持乐观态度，预计2024年将实现目标利润率 [40] - 管理层提到，尽管面临通货膨胀，公司的定价能力依然强劲，能够应对损失成本的上升 [71] 其他重要信息 - 公司在2023年第二季度将逐步解除非费率行动，以恢复正常的业务增长 [12][19] - 预计在2024年将释放约1.3亿美元的资本，重新部署到核心业务中 [27] 问答环节所有提问和回答 问题: 关于再平衡与传统增长的关系 - 管理层表示再平衡将迅速进行，恢复正常的承保标准将允许新业务的增长 [47] 问题: 关于政策数量的恢复 - 管理层确认成本节约措施不影响新业务的承保能力 [52] 问题: 加州市场的定价适宜性 - 管理层认为整体定价适宜，能够满足未来的利润目标 [57] 问题: 关于损失成本的预期 - 管理层指出，损失成本的通胀主要体现在严重性方面，预计在2024年将保持在中高单数字 [68] 问题: 竞争环境的恢复 - 管理层对恢复市场份额持乐观态度，认为分销商对公司的恢复能力充满信心 [82]

KEMPER Earnings Call Presentation – 4Q 2023 Cautionary Statements Regarding Forward-Looking Information • changes in the frequency and severity of insurance claims; • claim development and the process of estimating claim reserves; • the impacts of inflation; • changes in interest rate environment; • supply chain disruption; • product demand and pricing; • effects of governmental and regulatory actions; • litigation outcomes and trends; • investment risks; • cybersecurity risks; • impact of catastrophes; and ...

Greg Peters - Raymond James Brian Meredith - UBS Paul Newsome - Piper Sandler I would now like to introduce your host for today's conference call, Karen Guerra, Kemper's Vice President of Investor Relations. Ms. Guerra, you may begin. Thank you, operator. Good afternoon, everyone, and welcome to Kemper's discussion of our third quarter 2023 results. This afternoon, you'll hear from Joe Lacher, Kemper's President and Chief Executive Officer and Chairman; Brad Camden, Kemper's Senior Vice President and Interi ...

Catastrophe Aggregate Program: Non-GAAP Financial Measures Earnings Call Presentation – 3Q 2023 The Company believes that Adjusted Consolidated Net Operating Loss provides investors with a valuable measure of its ongoing performance because it reveals underlying operational performance trends that otherwise might be less apparent if the items were not excluded. Income (Loss) from Change in Fair Value of Equity and Convertible Securities, Net Realized Investment (Losses) Gains and Impairment (Losses) Gains r ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ______________________________________________________ FORM 10-Q ______________________________________________________ ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended 9/30/2023 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition Period from to Commission file number 001-18298 ____________________________ ...

Kemper Corporation (NYSE:KMPR) Q2 2023 Earnings Conference Call August 7, 2023 5:00 PM ET Company Participants Karen Guerra - Vice President of Investor Relations Joe Lacher - President and Chief Executive Officer and Chairman Jim McKinney - Executive Vice President and Chief Financial Officer Matt Hunton - Executive Vice President and President of Kemper Auto Conference Call Participants Greg Peters - Raymond James Paul Newsome - Piper Sandler Operator Good afternoon, ladies and gentlemen, and welcome to K ...