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Kemper KMPR Other — Reinsurance Recoverables on Unpaid Losses and Allocated LAE

Other product segments

Preferred Personal Automobile Insurance—Liability
$18.9M+11.8%
Specialty Personal Automobile Insurance—Liability
$5.2M-8.8%
Homeowners
$0

Similar metrics at other companies

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TRVOther Insurance Contracts — Reinsurance Recoverables on Unpaid Losses
$1.76B+1.6%
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TRVAutomobile — Reinsurance Recoverables on Unpaid Losses
$630M+1.9%
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TRVUnallocated Loss Adjustment Expense Reserve — Reinsurance Recoverables on Unpaid Losses
$18M+5.9%
ASI
ASICCasualty — Total reinsurance recoverable on unpaid losses and allocated loss adjustment expenses
$110.68M
ASI
ASICProperty — Total reinsurance recoverable on unpaid losses and allocated loss adjustment expenses
$28.74M
Cincinnati Financial logo
CINFHomeowner — Reinsurance recoverable on unpaid losses
$124M+1,278%

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$1.68B-47.4%
Enterprise value$2.54B-36.8%
P/S0.4×-0.3×

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:ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments.

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 MILLIONS2025
Specialty Personal Automobile Insurance—Liability$5.2
Non-Core Preferred Personal Automobile Insurance—Liability18.9
Non-Core Homeowners Insurance
Other1.5
Total25.6
Unallocated LAE210.1
Property and Casualty Insurance Reserves, Gross of Reinsurance1$2,940.2
1Includes $29.1 million and $0.3 million of Specialty Personal Automobile Liability and Physical Damage Insurance Reserves, respectively, related to Kemper Reciprocal, which is reported as a consolidated variable interest entity.

Item 8. Financial Statements and Supplementary Data.

FAQ

What is Kemper's other — reinsurance recoverables on unpaid losses and allocated LAE?
Kemper (KMPR) reported other — reinsurance recoverables on unpaid losses and allocated LAE of $1.5M in Q4 2025.
How has Kemper's other — reinsurance recoverables on unpaid losses and allocated LAE changed year-over-year?
Kemper's other — reinsurance recoverables on unpaid losses and allocated LAE decreased by 11.8% year-over-year, from $1.7M to $1.5M.
What does other — reinsurance recoverables on unpaid losses and allocated LAE mean?
This metric represents the portion of unpaid insurance claims and associated loss adjustment expenses that are expected to be recovered from reinsurers. It reflects the company's reliance on reinsurance agreements to mitigate financial exposure for claims that have been incurred but not yet settled. Monitoring this balance is essential for assessing the credit risk of reinsurance counterparties and the effectiveness of the company's risk transfer strategies.

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