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Kemper KMPR Specialty Property & Casualty Insurance — Business Unit Operating Costs

Other segment segments

Life Insurance
$24.9M+3.8%

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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 kmpr:BusinessUnitOperatingCosts.

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
(Dollars in Millions)Three Months Ended / Jun 30,2026Three Months Ended / Jun 30,2025Six Months Ended / Jun 30,2026Six Months Ended / Jun 30,2025
Catastrophe Losses and LAE0.10.40.50.6
Total Incurred Losses and LAE748.0749.41,495.71,436.2
Policy Acquisition Costs1122.5140.1245.4272.4
Business Unit Operating Costs229.140.767.178.4
Corporate Overhead Costs332.734.068.069.1
Total Insurance Expenses184.3214.8380.5419.9
Income Tax Expense3.519.92.744.1
Total Specialty Property & Casualty Insurance935.8984.11,878.91,900.2

Item 1. Financial Statements

FAQ

What is Kemper's specialty property & casualty insurance — business unit operating costs?
Kemper (KMPR) reported specialty property & casualty insurance — business unit operating costs of $29.1M in Q2 2026.
How has Kemper's specialty property & casualty insurance — business unit operating costs changed year-over-year?
Kemper's specialty property & casualty insurance — business unit operating costs decreased by 28.5% year-over-year, from $40.7M to $29.1M.
What is the long-term trend for Kemper's specialty property & casualty insurance — business unit operating costs?
Over 3 years (2022 to 2025), Kemper's specialty property & casualty insurance — business unit operating costs has grown at a 25.6% compound annual growth rate (CAGR), from $81.2M to $160.9M.
What does specialty property & casualty insurance — business unit operating costs mean?
The administrative and operational expenses required to maintain the daily functions of the specialty property and casualty business unit. This metric reflects the segment's internal cost structure and operational leverage.

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