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Kemper KMPR Specialty Property & Casualty Insurance — Unearned Premiums

Other segment segments

Life Insurance

$8.5M+3.7%

Similar metrics at other companies

AFGProperty and casualty insurance — Unearned premiums

$3.74B+4.2%

CNASpecialty — Unearned premiums

$3.28B+0.4%

ORISpecialty Insurance Segment — Unearned Premiums

$2.86B+10.3%

ALLProperty and casualty insurance premiums — Unearned premiums

-$492.5M-7.1%

ACGLInsurance — Unearned Premiums

$5.2B+7.0%

CINFProperty, Liability and Casualty Insurance — Gross unearned premium

$5.25B+9.2%

Other financials

Income statement

Revenue$1.1B-7.2%

Operating income$132.4M+440%

Net income-$1.7M-102%

EPS (diluted)-$0.03-102%

Balance sheet

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

Operating cash flow$88.8M-50.7%

CapEx$10.9M+41.6%

Free cash flow$77.9M-54.8%

Valuation

Market cap$1.54B-58.0%

Profitability

Net margin1.1%-6.3pp

FCF margin9.8%-0.3pp

Returns & leverage

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:SupplementaryInsuranceInformationUnearnedPremiums.

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 — unearned premiums?: Kemper (KMPR) reported specialty property & casualty insurance — unearned premiums of $1.2B in Q4 2025.
What does specialty property & casualty insurance — unearned premiums mean?: Reflects the portion of written premiums that has been collected but not yet earned because the insurance coverage period has not fully elapsed. This liability represents the company's obligation to provide future coverage and serves as a leading indicator of future revenue recognition.