Kemper (KMPR) Other — Property and Casualty Insurance Reserves, Net of Reinsurance

Screener

Other product segments

Specialty Personal Automobile Insurance—Liability

$1.64B+13.0%

Commercial Automobile Insurance—Liability

$888M+32.1%

Preferred Personal Automobile Insurance—Liability

$92.6M-42.0%

Specialty Personal Automobile Insurance—Physical Damage

$23.5M-11.0%

Homeowners

$17M-57.1%

Similar metrics at other companies

AFGProperty and casualty insurance — Unpaid losses and LAE, net of reinsurance (excluding unallocated LAE)

$8.48B+6.5%

TRVProperty Liability And Casualty Insurance — Net Undiscounted Claims and Claim Adjustment Expense Reserves

$60.84B+5.9%

EGCasualty Insurance — Liabilities for unpaid claims and claim adjustment expenses, net of reinsurance

2,064,500,000,000%—

LMNDProperty Insurance — Total unpaid loss and ALAE reserves, net

$105.4M+25.8%

EGProperty Insurance — Liabilities for unpaid claims and claim adjustment expenses, net of reinsurance

840,600,000,000%+161,600,000,000pp

AIZOther short-duration insurance lines — Claims and benefits payable, net of reinsurance

$21.1M+32.7%

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$1.68B-47.4%

Enterprise value$2.54B-36.8%

P/S0.4×-0.3×

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:ShortdurationInsuranceContractsLiabilityForUnpaidClaimsAndAllocatedClaimAdjustmentExpenseNet.

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

DOLLARS IN MILLIONS	2025
Non-Core Personal Automobile Insurance—Liability	92.6
Non-Core Personal Automobile Insurance—Physical Damage	0.1
Non-Core Homeowners Insurance	17.0
Other	29.9
Total	$2,704.5
Reinsurance Recoverables on Unpaid Losses and Allocated LAE:
Specialty Personal Automobile Insurance—Liability	$5.2
Non-Core Preferred Personal Automobile Insurance—Liability	18.9

Item 8. Financial Statements and Supplementary Data.

FAQ

What is Kemper's other — property and casualty insurance reserves, net of reinsurance?: Kemper (KMPR) reported other — property and casualty insurance reserves, net of reinsurance of $29.9M in Q4 2025.
How has Kemper's other — property and casualty insurance reserves, net of reinsurance changed year-over-year?: Kemper's other — property and casualty insurance reserves, net of reinsurance decreased by 16.5% year-over-year, from $35.8M to $29.9M.
What does other — property and casualty insurance reserves, net of reinsurance mean?: The net liability for property and casualty claims within the 'Other' segment after accounting for reinsurance recoveries. This figure represents the company's retained risk exposure for unpaid claims. Monitoring this net amount is essential for understanding the segment's true financial risk profile and the effectiveness of its reinsurance strategy.