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Kemper KMPR Catastrophe Reinsurance — Ceded earned premiums

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Other financials

Income statement

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Revenue$1.1B-10.8%
Operating income$132.4M+440%
Net income-$464.8M-740%
EPS (diluted)-$7.90-805%

Balance sheet

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Cash & equivalents$81.2M-54.1%
Total debt$944.5M-5.7%
Total equity$2.2B+493%
Total assets$11.9B-4.4%

Cash flow

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Operating cash flow$30.5M-66.0%
CapEx$11.4M+50.0%
Free cash flow$19.1M-76.7%

Valuation

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Market cap$1.76B-42.1%
Enterprise value$2.62B-32.2%
P/S0.4×-0.2×

Profitability

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Net margin-10.7%-17.8pp
FCF margin8.7%-2.8pp

Returns & leverage

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Return on equity-38%-132pp
Debt / equity0.4×-2.3×

Where this comes from

Reported directly by Kemper in its filing.

Tagged under the XBRL concept us-gaap:CededPremiumsEarned.

The source filing: Kemper’s 10-K, filed February 11, 2026.

Filed
Feb 10, 2026, 7:00 PM EST
Fiscal year
FY2025
Accession
0000860748-26-000014
DOLLARS IN MILLIONS202520242023
Specialty Property & Casualty Insurance$1.2$6.5$6.1
Life Insurance0.10.30.7
Non-Core Operations9.69.5
Total Ceded Catastrophe Reinsurance Premiums$1.3$16.4$16.3

Item 8. Financial Statements and Supplementary Data.

FAQ

What is Kemper's catastrophe reinsurance — ceded earned premiums?
Kemper (KMPR) reported catastrophe reinsurance — ceded earned premiums of $325K in Q4 2025.
How has Kemper's catastrophe reinsurance — ceded earned premiums changed year-over-year?
Kemper's catastrophe reinsurance — ceded earned premiums decreased by 92.1% year-over-year, from $4.1M to $325K.
What is the long-term trend for Kemper's catastrophe reinsurance — ceded earned premiums?
Over 4 years (2021 to 2025), Kemper's catastrophe reinsurance — ceded earned premiums has grown at a -54.5% compound annual growth rate (CAGR), from $30.3M to $1.3M.
What does catastrophe reinsurance — ceded earned premiums mean?
This metric represents the portion of premiums paid by the insurance company to reinsurers to transfer risk associated with catastrophic events. It reflects the company's strategy for managing exposure to large-scale losses by offloading a segment of its underwriting risk to third-party reinsurance providers. A higher value indicates a greater reliance on reinsurance to mitigate potential volatility from catastrophic claims.

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