What is Kemper's life insurance — prior years?

Kemper (KMPR) reported life insurance — prior years of -$25K in Q4 2025.

How has Kemper's life insurance — prior years changed year-over-year?

Kemper's life insurance — prior years decreased by 0.0% year-over-year, from -$25K to -$25K.

What is the long-term trend for Kemper's life insurance — prior years?

Over 3 years (2022 to 2025), Kemper's life insurance — prior years has grown at a -59.5% compound annual growth rate (CAGR), from $1.5M to -$100K.

What does life insurance — prior years mean?

This metric captures the impact of reserve adjustments or loss developments related to insurance claims that occurred in previous fiscal periods. It is a critical indicator of the accuracy of historical actuarial estimates and the stability of the company's underwriting performance.

Kemper (KMPR) Life Insurance — Prior Years

Screener

Other segment segments

Specialty Property & Casualty Insurance

$9.1M-33.1%

Similar metrics at other companies

ACGLInsurance — Prior years

-$14M+17.6%

AXSInsurance — Prior years

-$11.85M+22.1%

ACGLReinsurance — Prior years

-$172M-35.4%

AXSReinsurance — Prior years

-$2.98M+40.5%

EIGInsurance Operations — Prior years

$8.4M+240%

CINFCommercial Insurance — Prior accident years

-$17M+59.5%

Other financials

Income statement

See full

Revenue$1.1B-10.8%

Operating income$132.4M+440%

Net income-$464.8M-740%

EPS (diluted)-$7.90-805%

Balance sheet

See full

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

See full

Operating cash flow$30.5M-66.0%

CapEx$11.4M+50.0%

Free cash flow$19.1M-76.7%

Valuation

See full

Market cap$1.76B-42.1%

Enterprise value$2.62B-32.2%

P/S0.4×-0.2×

Profitability

See full

Net margin-10.7%-17.8pp

FCF margin8.7%-2.8pp

Returns & leverage

See full

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:SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense.

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

Total prior year catastrophe loss and LAE reserves, net of reinsurance recoverables, developed adversely by $0.8 million in 2025, adversely by $6.0 million in 2024 and favorably by $9.1 million in 2023. The Specialty Property & Casualty Insurance segment reported favorable catastrophe reserve development of $0.2 million, adverse development of $0.7 million, and favorable development of $2.3 million in 2025, 2024 and 2023, respectively. The Life Insurance segment reported favorable catastrophe reserve development of $0.1 million, favorable development of $0.1 million and adverse development of $0.8 million in 2025, 2024 and 2023, respectively. Non-Core Operations reported adverse catastrophe reserve development of $1.1 million, adverse development of $5.4 million and favorable development of $7.6 million in 2025, 2024 and 2023, respectively.

Item 8. Financial Statements and Supplementary Data.

FAQ

What is Kemper's life insurance — prior years?: Kemper (KMPR) reported life insurance — prior years of -$25K in Q4 2025.
How has Kemper's life insurance — prior years changed year-over-year?: Kemper's life insurance — prior years decreased by 0.0% year-over-year, from -$25K to -$25K.
What is the long-term trend for Kemper's life insurance — prior years?: Over 3 years (2022 to 2025), Kemper's life insurance — prior years has grown at a -59.5% compound annual growth rate (CAGR), from $1.5M to -$100K.
What does life insurance — prior years mean?: This metric captures the impact of reserve adjustments or loss developments related to insurance claims that occurred in previous fiscal periods. It is a critical indicator of the accuracy of historical actuarial estimates and the stability of the company's underwriting performance.