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Kemper KMPR Long-duration policies — Reinsurance recoverables

Other product segments

Other

$27.2M+4.6%

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$2.59B-0.8%

Other financials

Income statement

Revenue$1.1B-7.2%

Operating income$132.4M+440%

Net income-$1.7M-102%

EPS (diluted)-$0.03-102%

Balance sheet

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

Operating cash flow$88.8M-50.7%

CapEx$10.9M+41.6%

Free cash flow$77.9M-54.8%

Valuation

Market cap$1.54B-58.0%

Enterprise value$2.39B-48.7%

P/E30.8×+20.2×

P/S0.3×-0.5×

Profitability

Net margin1.1%-6.3pp

FCF margin9.8%-0.3pp

Returns & leverage

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:ReinsuranceRecoverables.

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 long-duration policies — reinsurance recoverables?: Kemper (KMPR) reported long-duration policies — reinsurance recoverables of $50.9M in Q4 2025.
What does long-duration policies — reinsurance recoverables mean?: This metric represents the total amount of claims and benefits recoverable from reinsurers specifically associated with long-duration insurance contracts, such as life and health policies. It reflects the portion of future policyholder obligations that the company has transferred to third-party reinsurers to mitigate underwriting risk. Monitoring this balance is essential for assessing the company's reliance on reinsurance partners and the potential credit risk exposure within its long-term insurance portfolio.