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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-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$2.4B-48.7%
P/E30.9×+20.3×
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:CededPremiumsEarned.

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 — 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.