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Kemper KMPR Accident and Health Insurance — Ceded earned premiums

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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:CededPremiumsEarned.

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 accident and health insurance — ceded earned premiums?
Kemper (KMPR) reported accident and health insurance — ceded earned premiums of $3.2M in Q4 2025.
How has Kemper's accident and health insurance — ceded earned premiums changed year-over-year?
Kemper's accident and health insurance — ceded earned premiums increased by 2.4% year-over-year, from $3.13M to $3.2M.
What is the long-term trend for Kemper's accident and health insurance — ceded earned premiums?
Over 4 years (2021 to 2025), Kemper's accident and health insurance — ceded earned premiums has grown at a 155.6% compound annual growth rate (CAGR), from $300K to $12.8M.
What does accident and health insurance — ceded earned premiums mean?
This metric measures the portion of earned premiums that the insurer has transferred to reinsurers under reinsurance contracts. It reflects the company's risk management strategy by quantifying the amount of underwriting risk shifted to third-party partners to protect against large losses.