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Kemper KMPR Specialty Property & Casualty Insurance — Operating Expenses

Other segment segments

Life Insurance
$134.1M+0.9%

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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:OperatingExpenses.

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
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
Life Insurance:
Policyholders’ Benefits and Incurred Losses and LAE63.563.5127.5125.7
Policy Acquisition Costs134.035.263.364.9
Business Unit Operating Costs224.924.051.251.5

Item 1. Financial Statements

FAQ

What is Kemper's specialty property & casualty insurance — operating expenses?
Kemper (KMPR) reported specialty property & casualty insurance — operating expenses of $935.8M in Q2 2026.
How has Kemper's specialty property & casualty insurance — operating expenses changed year-over-year?
Kemper's specialty property & casualty insurance — operating expenses decreased by 4.9% year-over-year, from $984.1M to $935.8M.
What is the long-term trend for Kemper's specialty property & casualty insurance — operating expenses?
Over 3 years (2022 to 2025), Kemper's specialty property & casualty insurance — operating expenses has grown at a -2.9% compound annual growth rate (CAGR), from $4.33B to $3.96B.
What does specialty property & casualty insurance — operating expenses mean?
The aggregate of all costs associated with running the Specialty Property & Casualty insurance operations, including underwriting, administrative, and general overhead. This metric is a primary indicator of the segment's operational efficiency and cost management effectiveness.

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