Kemper Corporation (KMPR)

Kemper Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	248.7	317.8	-272.1	-286.6	-123.7	409.9
Depreciation & Amortization	74.1	53.7	58.6	70.9	54.8	50.3
Other Amortization	-	-	-	-	45	4.7
Gain (Loss) on Sale of Investments	-5.9	-12.8	11	95.5	-118.2	-110.2
Change in Accounts Receivable	-45	-25.9	326.4	129.4	-75.2	-77.4
Reinsurance Recoverable	5	7	12.1	-1.9	20.6	16.8
Change in Unearned Revenue	25.8	-26	-403.1	-183.5	105.9	69.6
Change in Income Taxes	32.3	65.3	33.2	-83.6	-163.9	46.5
Change in Insurance Reserves / Liabilities	291.9	-2.3	-30.8	26.5	616.4	38.3
Change in Other Net Operating Assets	-27.5	2.3	-33	-11.2	89.1	-27.8
Other Operating Activities	2.7	5.2	70	3.7	-	64.1
Operating Cash Flow	584.6	382.9	-134.2	-210.3	350.7	448
Operating Cash Flow Growth	228.24%	-	-	-	-21.72%	-16.15%
Capital Expenditures	-31.5	-53.2	-53.8	-30.8	-57.8	-53.4
Cash Acquisitions	-	-	-	-	-316.6	-
Investment in Securities	342.7	-228	90.3	2	385.6	-594.7
Other Investing Activities	10.6	22.8	81.3	-101.5	-83.2	-86.6
Investing Cash Flow	258.6	-244.4	107.9	-108.4	-118.2	-757
Long-Term Debt Issued	-	-	-	541.9	-	396.8
Total Debt Repaid	-450	-	-	-280	-50	-
Net Debt Issued (Repaid)	-450	-	-	261.9	-50	396.8
Issuance of Common Stock	3.6	3.8	4.3	4.9	5.4	4.4
Repurchases of Common Stock	-265.2	-38.9	-	-	-161.7	-110.4
Common Dividends Paid	-80.7	-80.1	-80.1	-79.7	-80.6	-78.9
Other Financing Activities	0.9	-3.6	-0.5	-1.5	3.7	4.2
Financing Cash Flow	-792.7	-137.2	-122	382.9	-290.4	378.3
Net Cash Flow	50.5	1.3	-148.3	64.2	-57.9	69.3
Free Cash Flow	553.1	329.7	-188	-241.1	292.9	394.6
Free Cash Flow Growth	361.30%	-	-	-	-25.77%	-12.37%
Free Cash Flow Margin	11.42%	7.11%	-3.80%	-4.37%	5.12%	7.58%
Free Cash Flow Per Share	8.65	5.09	-2.94	-3.78	4.56	5.91
Cash Interest Paid	44.4	54.5	54.5	51.5	43.9	34.6
Cash Income Tax Paid	22.9	11.2	-106.7	0.7	38	55.8
Levered Free Cash Flow	603.88	1,190	-275.74	-266.05	646.53	113.58
Unlevered Free Cash Flow	631.44	1,225	-240.68	-231.86	673.78	136.08
Change in Working Capital	244.2	-17.9	-51.3	-110.1	515.3	13.7

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.

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