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Kemper KMPR Life Insurance — Insurance Claims and Policy- holders’ Benefits

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$3.08B+21.1%

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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:SupplementaryInsuranceInformationBenefitsClaimsLossesAndSettlementExpense.

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
Line itemYear Ended December 31, / Earned PremiumsYear Ended December 31, / Premiums WrittenYear Ended December 31, / Other Income (Loss)Year Ended December 31, / Net Investment Income2Year Ended December 31, / Insurance Claimsand Policy-holders’BenefitsYear Ended December 31, / Amortizationof Deferred Policy Acquisition CostsYear Ended December 31, / Other Insurance Expenses3At December 31 / Deferred Policy Acquisition CostsAt December 31 / Insurance ReservesAt December 31 / Unearned Premiums
2025
Specialty Property & Casualty Insurance$3,925.7$3,912.8$8.9$211.2$3,077.2$534.9$301.7$158.8$2,769.4$1,204.2
Life Insurance1393.4N/A1.6188.2238.729.5234.9497.13,289.48.5
Non-Core Operations77.259.47.759.49.656.70.8161.932.5
Corporate and OtherN/A(12.5)(2.1)0.247.77.0
Total$4,396.3N/A$(2.0)$405.0$3,375.5$574.0$641.0$656.7$6,227.7$1,245.2
2024
Specialty Property & Casualty Insurance$3,576.4$3,685.4$6.1$189.6$2,541.7$474.1$285.4$162.8$2,347.9$1,216.8

Item 16. Form 10-K Summary

FAQ

What is Kemper's life insurance — insurance claims and policy- holders’ benefits?
Kemper (KMPR) reported life insurance — insurance claims and policy- holders’ benefits of $59.68M in Q4 2025.
How has Kemper's life insurance — insurance claims and policy- holders’ benefits changed year-over-year?
Kemper's life insurance — insurance claims and policy- holders’ benefits increased by 1.8% year-over-year, from $58.63M to $59.68M.
What is the long-term trend for Kemper's life insurance — insurance claims and policy- holders’ benefits?
Over 3 years (2022 to 2025), Kemper's life insurance — insurance claims and policy- holders’ benefits has grown at a -12.9% compound annual growth rate (CAGR), from $360.8M to $238.7M.
What does life insurance — insurance claims and policy- holders’ benefits mean?
This represents the total costs incurred by the insurer for policyholder claims, death benefits, and other contractual obligations during the period. It is a primary measure of underwriting performance and the direct cost of providing insurance coverage to policyholders.

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