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Kemper KMPR Property and Liability Insurance — Gross Amount

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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:DirectPremiumsEarned.

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
Year Ended December 31, 2025Gross AmountCeded to Other CompaniesAssumedfrom Other CompaniesNet AmountPercentageof Amount Assumed to Net
Premiums:
Life Insurance$333.1$2.9$0.4$330.60.1%
Accident and Health Insurance34.612.821.8
Property and Liability Insurance4,047.61.6(2.1)4,043.9(0.1)
Total Premiums$4,415.3$17.3$(1.7)$4,396.3
Year Ended December 31, 2024
Life Insurance in Force$19,651.3$322.5$123.6$19,452.40.6%
Premiums:

Item 16. Form 10-K Summary

FAQ

What is Kemper's property and liability insurance — gross amount?
Kemper (KMPR) reported property and liability insurance — gross amount of $1.01B in Q4 2025.
How has Kemper's property and liability insurance — gross amount changed year-over-year?
Kemper's property and liability insurance — gross amount increased by 4.5% year-over-year, from $968.28M to $1.01B.
What is the long-term trend for Kemper's property and liability insurance — gross amount?
Over 4 years (2021 to 2025), Kemper's property and liability insurance — gross amount has grown at a -3.5% compound annual growth rate (CAGR), from $4.67B to $4.05B.
What does property and liability insurance — gross amount mean?
This metric represents the total gross premiums written or earned by the property and liability insurance segment before accounting for reinsurance cessions. It serves as a primary indicator of the segment's total market footprint and the volume of risk underwritten by the company. Monitoring this figure helps investors assess the scale of the business and its overall top-line growth trajectory.

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