业绩总结 - Kemper的ROE为11.2%，可比ROE为17.2%[6] - Kemper的每股净收入为1.10美元，调整后的每股调整后净营业收入为1.07美元[6] - Specialty P&C的基础合并比率较上年同期改善了14.4个百分点，顺序上改善了4.6个百分点[7] - Specialty Auto的在保单生效方面的指标有所改善，顺序上的保单生效率下降了5.5%[11] - 公司预计保单保费在年中稳定，目标是保持96%或更好的综合比率，同时最大化增长[14] 新业务和市场扩张 - 特别财产与意外伤害保险部门在2024年第一季度的新业务扩张受控，4月份的应用程序数量约等于整个第一季度的总和[14] 投资和财务 - Kemper的固定收益投资组合中，72%的投资评级为A或更高[9] - 公司续签了灾难性超额责任再保险计划，包括3年期和1年期两个部分，分别涉及不同的金额和比例[16] - 公司使用调整后的合并净营业收入（亏损）作为非GAAP财务指标，排除了多种影响因素，以揭示公司的持续业绩趋势[18] - 公司使用非GAAP财务指标的目的是为了消除可以在不同期间显著波动的项目的影响，从而增强对业务活动和盈利能力驱动因素的理解和可比性[23] 行业趋势 - 汽车通货膨胀压力持续上升，但增长速度有所减缓[17] - Specialty P&C Insurance 1Q'24的综合比率为93.6%[31] - Personal Auto Insurance 1Q'24的综合比率为93.5%[31] - Commercial Auto Insurance 1Q'24的综合比率为93.8%[31]

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) DE 95-4255452 (State or other jurisdiction of (I.R.S. Employer incorporation or organization) Ide ...

Kemper Corporation (NYSE:KMPR) Q4 2023 Earnings Conference Call February 1, 2024 5:00 PM ET Company Participants Karen Guerra - Vice President of Investor Relations Joseph Lacher - President and Chief Executive Officer Bradley Camden - Senior Vice President and Interim Chief Financial Officer Matt Hunton - President, Kemper Auto Conference Call Participants Gregory Peters - Raymond James & Associates, Inc. Andrew Kligerman - TD Cowen Brian Meredith - UBS Operator Good afternoon, ladies and gentlemen, and we ...

Fourth Quarter 2023 Earnings February 1, 2024 ...

Kemper Corporation (NYSE:KMPR) Q3 2023 Earnings Conference Call October 30, 2023 5:00 PM ET Company Participants Karen Guerra - Vice President of Investor Relations Joe Lacher - President and Chief Executive Officer and Chairman Brad Camden - Senior Vice President, Treasurer and Interim Chief Financial Officer Matt Hunton - President, Kemper Auto Conference Call Participants Greg Peters - Raymond James Brian Meredith - UBS Paul Newsome - Piper Sandler Operator Good afternoon, ladies and gentlemen. And welco ...

Third Quarter 2023 Earnings October 30, 2023 ...

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 ____________________________ ...