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Kemper KMPR Life Insurance — Business Unit Operating Costs

Other segment segments

Specialty Property & Casualty Insurance
$29.1M-28.5%

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PRULife insurance — Reinsurance payables
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PRULife insurance — Reinsurance recoverables
$21.09B+7.2%

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 kmpr:BusinessUnitOperatingCosts.

The source filing: Kemper’s 10-Q, filed August 5, 2026.

Filed
Aug 5, 2026, 4:13 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000860748-26-000084
(Dollars in Millions)Three Months Ended / Jun 30,2026Three Months Ended / Jun 30,2025Six Months Ended / Jun 30,2026Six Months Ended / Jun 30,2025
Life Insurance:
Policyholders’ Benefits and Incurred Losses and LAE63.563.5127.5125.7
Policy Acquisition Costs134.035.263.364.9
Business Unit Operating Costs224.924.051.251.5
Corporate Overhead Costs38.48.517.417.7
Total Insurance Expenses67.367.7131.9134.1
Income Tax Expense3.31.76.54.7
Total Life Insurance134.1132.9265.9264.5

Item 1. Financial Statements

FAQ

What is Kemper's life insurance — business unit operating costs?
Kemper (KMPR) reported life insurance — business unit operating costs of $24.9M in Q2 2026.
How has Kemper's life insurance — business unit operating costs changed year-over-year?
Kemper's life insurance — business unit operating costs increased by 3.8% year-over-year, from $24M to $24.9M.
What is the long-term trend for Kemper's life insurance — business unit operating costs?
Over 3 years (2022 to 2025), Kemper's life insurance — business unit operating costs has grown at a -9.5% compound annual growth rate (CAGR), from $137.2M to $101.6M.
What does life insurance — business unit operating costs mean?
The internal administrative and operational expenses required to run the day-to-day activities of the life insurance business unit. It reflects the company's ability to manage its operational overhead and maintain cost discipline within the segment.

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