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Kemper KMPR Specialty Property & Casualty Insurance — Other Insurance Expenses

Other segment segments

Life Insurance
$234.9M-1.9%

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PRASpecialty P&C — Other Underwriting Expense, Adjusted
$25.65M+0.6%

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:SupplementaryInsuranceInformationOtherOperatingExpense.

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 specialty property & casualty insurance — other insurance expenses?
Kemper (KMPR) reported specialty property & casualty insurance — other insurance expenses of $75.43M in Q4 2025.
How has Kemper's specialty property & casualty insurance — other insurance expenses changed year-over-year?
Kemper's specialty property & casualty insurance — other insurance expenses increased by 5.7% year-over-year, from $71.35M to $75.43M.
What is the long-term trend for Kemper's specialty property & casualty insurance — other insurance expenses?
Over 3 years (2022 to 2025), Kemper's specialty property & casualty insurance — other insurance expenses has grown at a 9.1% compound annual growth rate (CAGR), from $232.1M to $301.7M.
What does specialty property & casualty insurance — other insurance expenses mean?
Captures general operating and administrative costs associated with maintaining the specialty property and casualty insurance business, excluding direct claims and acquisition costs. Monitoring this helps evaluate the operational efficiency and overhead management of the insurance segment.