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Kemper KMPR Property and Liability Insurance — Ceded earned premiums

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AIZProperty and liability insurance — Ceded Premiums Earned
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PGRProperty Liability And Casualty Insurance — Ceded Premiums Earned
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Other financials

Income statement

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Revenue$1.1B-7.2%
Operating income$132.4M+440%
Net income-$1.7M-102%
EPS (diluted)-$0.03-102%

Balance sheet

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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

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Operating cash flow$88.8M-50.7%
CapEx$10.9M+41.6%
Free cash flow$77.9M-54.8%

Valuation

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Market cap$1.54B-58.0%
Enterprise value$2.39B-48.7%
P/E30.8×+20.2×
P/S0.3×-0.5×

Profitability

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Net margin1.1%-6.3pp
FCF margin9.8%-0.3pp

Returns & leverage

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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:CededPremiumsEarned.

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 property and liability insurance — ceded earned premiums?
Kemper (KMPR) reported property and liability insurance — ceded earned premiums of $400K in Q4 2025.
How has Kemper's property and liability insurance — ceded earned premiums changed year-over-year?
Kemper's property and liability insurance — ceded earned premiums decreased by 90.9% year-over-year, from $4.38M to $400K.
What is the long-term trend for Kemper's property and liability insurance — ceded earned premiums?
Over 4 years (2021 to 2025), Kemper's property and liability insurance — ceded earned premiums has grown at a -53.7% compound annual growth rate (CAGR), from $34.9M to $1.6M.
What does property and liability insurance — ceded earned premiums mean?
This metric measures the portion of earned premiums that the company has transferred to reinsurers to mitigate risk exposure. By ceding premiums, the company reduces its potential liability for large losses in exchange for a share of the premium revenue. A high or increasing level of ceded premiums often reflects a strategic decision to limit volatility and protect the balance sheet against catastrophic events.