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Kemper KMPR Business Unit Operating Costs

Business Unit Operating Costs at other companies

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Segments

By segment

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Specialty Property & Casualty Insurance$29.1M-28.5%
Life Insurance$24.9M+3.8%

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-K, filed February 11, 2026.

Filed
Feb 10, 2026, 7:00 PM EST
Fiscal year
FY2025
Accession
0000860748-26-000014
DOLLARS IN MILLIONS202520242023
Amortization of Policy Acquisition Costs574.2538.0607.1
Net Policy Acquisition Costs (Deferred) Amortized(26.5)(38.4)43.8
Policy Acquisition Costs678.2641.6707.6
Business Unit Operating Costs310.7277.4256.1
Corporate Overhead Costs178.5194.9200.0
Insurance Expenses1,167.41,113.91,163.7
Other Expenses:
Acquisition and Disposition Related Transaction, Integration, Restructuring and Other Costs38.040.3120.3

Item 8. Financial Statements and Supplementary Data.

FAQ

What is Kemper's business unit operating costs?
Kemper (KMPR) reported business unit operating costs of $77.68M in Q4 2025.
How has Kemper's business unit operating costs changed year-over-year?
Kemper's business unit operating costs increased by 12.0% year-over-year, from $69.35M to $77.68M.
What is the long-term trend for Kemper's business unit operating costs?
Over 3 years (2022 to 2025), Kemper's business unit operating costs has grown at a 3.2% compound annual growth rate (CAGR), from $282.4M to $310.7M.
What does business unit operating costs mean?
The direct operational expenses incurred by specific business segments to support day-to-day insurance activities. This metric provides insight into the cost structure and operational efficiency of individual product lines or operating divisions.

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