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Kemper KMPR Life Insurance — 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
Year Ended December 31, 2025Gross AmountCeded to Other CompaniesAssumedfrom Other CompaniesNet AmountPercentageof Amount Assumed to Net
Life Insurance in Force$19,496.7$310.2$117.9$19,304.40.6%
Premiums:
Life Insurance$333.1$2.9$0.4$330.60.1%
Accident and Health Insurance34.612.821.8
Property and Liability Insurance4,047.61.6(2.1)4,043.9(0.1)
Total Premiums$4,415.3$17.3$(1.7)$4,396.3
Year Ended December 31, 2024
Life Insurance in Force$19,651.3$322.5$123.6$19,452.40.6%

Item 16. Form 10-K Summary

FAQ

What is Kemper's life insurance — ceded earned premiums?
Kemper (KMPR) reported life insurance — ceded earned premiums of $725K in Q4 2025.
How has Kemper's life insurance — ceded earned premiums changed year-over-year?
Kemper's life insurance — ceded earned premiums decreased by 6.5% year-over-year, from $775K to $725K.
What is the long-term trend for Kemper's life insurance — ceded earned premiums?
Over 4 years (2021 to 2025), Kemper's life insurance — ceded earned premiums has grown at a 34.0% compound annual growth rate (CAGR), from $900K to $2.9M.
What does life insurance — ceded earned premiums mean?
The portion of earned premiums that the insurer has transferred to reinsurers under reinsurance agreements. This metric indicates the extent to which the company mitigates its underwriting risk by sharing premiums and potential losses with third-party carriers.

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