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Kemper KMPR Property and Casualty — Insurance Reserves

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ALLProperty and casualty — Reserve for property and casualty insurance claims and claims expense
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ALLRun-off Property-Liability — Reserve for property and casualty insurance claims and claims expense
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BRK.BProperty And Casualty Insurance And Reinsurance Excluding Retroactive Reinsurance — Liability For Claims And Claims Adjustment Expense
$122.88B+3.4%

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:LiabilityForClaimsAndClaimsAdjustmentExpense.

The source filing: Kemper’s 10-Q, filed August 5, 2026.

Filed
Aug 5, 2026, 4:13 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000860748-26-000084
Line itemJun 30,2026Dec 31,2025
Liabilities and Shareholders’ Equity:
Insurance Reserves:
Life and Health$3,278.1$3,287.5
Property and Casualty3,065.12,910.8
Total Insurance Reserves6,343.26,198.3
Unearned Premiums1,227.51,233.1
Policyholder Obligations541.1608.0
Deferred Income Tax Liabilities14.8

Item 1. Financial Statements

FAQ

What is Kemper's property and casualty — insurance reserves?
Kemper (KMPR) reported property and casualty — insurance reserves of $3.07B in Q2 2026.
How has Kemper's property and casualty — insurance reserves changed year-over-year?
Kemper's property and casualty — insurance reserves increased by 15.0% year-over-year, from $2.66B to $3.07B.
What does property and casualty — insurance reserves mean?
This metric represents the total estimated liability for unpaid claims and associated adjustment expenses within the property and casualty insurance segment. It reflects the company's actuarial assessment of future obligations arising from policies already in force or expired. Monitoring these reserves is critical for assessing the long-term solvency and underwriting discipline of the insurance business.

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