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Kemper KMPR Life Insurance — Amortization of Deferred Policy Acquisition Costs

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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:SupplementaryInsuranceInformationAmortizationOfDeferredPolicyAcquisitionCosts.

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 life insurance — amortization of deferred policy acquisition costs?
Kemper (KMPR) reported life insurance — amortization of deferred policy acquisition costs of $7.38M in Q4 2025.
How has Kemper's life insurance — amortization of deferred policy acquisition costs changed year-over-year?
Kemper's life insurance — amortization of deferred policy acquisition costs decreased by 9.5% year-over-year, from $8.15M to $7.38M.
What is the long-term trend for Kemper's life insurance — amortization of deferred policy acquisition costs?
Over 3 years (2022 to 2025), Kemper's life insurance — amortization of deferred policy acquisition costs has grown at a -11.4% compound annual growth rate (CAGR), from $42.4M to $29.5M.
What does life insurance — amortization of deferred policy acquisition costs mean?
This metric represents the periodic expense recognized as the company amortizes the costs incurred to acquire new insurance policies, such as commissions and underwriting expenses. It reflects the matching of acquisition costs with the revenue generated over the life of the insurance contracts.