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Kemper KMPR Homeowners — Reinsurance Recoverables on Unpaid Losses and Allocated LAE

Other product segments

Preferred Personal Automobile Insurance—Liability
$18.9M+11.8%
Specialty Personal Automobile Insurance—Liability
$5.2M-8.8%
Other
$1.5M-11.8%

Similar metrics at other companies

Cincinnati Financial logo
CINFHomeowner — Reinsurance recoverable on unpaid losses
$124M+1,278%
Allstate logo
ALLHomeowners — Recoverables
$679M+29.8%
The Travelers Companies logo
TRVOther Insurance Contracts — Reinsurance Recoverables on Unpaid Losses
$1.76B+1.6%
The Travelers Companies logo
TRVAutomobile — Reinsurance Recoverables on Unpaid Losses
$630M+1.9%
The Travelers Companies logo
TRVUnallocated Loss Adjustment Expense Reserve — Reinsurance Recoverables on Unpaid Losses
$18M+5.9%
Selective Insurance Group logo
SIGIHomeowners — Reinsurance Recoverable for Unpaid Claims and Claims Adjustments
$490K-75.0%

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$1.68B-47.4%
Enterprise value$2.54B-36.8%
P/S0.4×-0.3×

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:ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments.

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 MILLIONS2025
Reinsurance Recoverables on Unpaid Losses and Allocated LAE:
Specialty Personal Automobile Insurance—Liability$5.2
Non-Core Preferred Personal Automobile Insurance—Liability18.9
Non-Core Homeowners Insurance
Other1.5
Total25.6
Unallocated LAE210.1
Property and Casualty Insurance Reserves, Gross of Reinsurance1$2,940.2

Item 8. Financial Statements and Supplementary Data.

FAQ

What is Kemper's homeowners — reinsurance recoverables on unpaid losses and allocated LAE?
Kemper (KMPR) reported homeowners — reinsurance recoverables on unpaid losses and allocated LAE of $0 in Q4 2025.
What does homeowners — reinsurance recoverables on unpaid losses and allocated LAE mean?
This metric quantifies the portion of unpaid claims and loss adjustment expenses that the company expects to recover from its reinsurance partners. It represents a significant asset on the balance sheet that mitigates the company's net exposure to large or catastrophic losses. Monitoring this helps investors assess the company's reliance on reinsurance and the credit risk associated with its reinsurers.

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