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Kemper KMPR Reserve for insurance claims

Discontinued — last reported Q4 '25

Reserve for insurance claims at other companies

Mercury General logo
Mercury GeneralMCY
$3.65B-3.9%
Allstate logo
AllstateALL
$41.32B-5.7%
Selective Insurance Group logo
Selective Insurance GroupSIGI
$7.42B+12.2%
ProAssurance logo
ProAssurancePRA
$2.98B-6.3%
Horace Mann Educators logo
Horace Mann EducatorsHMN
$573.8M-0.6%
Berkshire Hathaway logo
Berkshire HathawayBRK.B

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×

Where this comes from

Reported directly by Kemper in its filing.

Tagged under the XBRL concept us-gaap:LiabilityForClaimsAndClaimsAdjustmentExpense.

The official record: Kemper’s 10-K, filed February 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Kemper's reserve for insurance claims?
Kemper (KMPR) reported reserve for insurance claims of $6.2B in Q4 2025.
How has Kemper's reserve for insurance claims changed year-over-year?
Kemper's reserve for insurance claims increased by 6.7% year-over-year, from $5.81B to $6.2B.
What is the long-term trend for Kemper's reserve for insurance claims?
Over 5 years (2020 to 2025), Kemper's reserve for insurance claims has grown at a 25.6% compound annual growth rate (CAGR), from $1.98B to $6.2B.
What does reserve for insurance claims mean?
This liability represents the estimated total cost of all insurance claims that have been reported but not yet paid, as well as claims that have been incurred but not yet reported. It is a fundamental measure of the company's future obligations and the adequacy of its underwriting risk assessment.