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Kemper KMPR Ceded Premiums Earned

Ceded Premiums Earned at other companies

Progressive logo
ProgressivePGR
$296.5M-13.4%
Universal Insurance Holdings logo
Universal Insurance HoldingsUVE
$174.52M+10.8%

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 us-gaap:CededPremiumsEarned.

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

Earned Premiums ceded on long-duration and short-duration policies were $17.3 million, $33.1 million and $32.7 million for the years ended December 31, 2025, 2024 and 2023, respectively, of which $1.3 million, $16.4 million and $16.3 million, respectively, was related to catastrophe reinsurance. See Note 25, “Catastrophe Reinsurance,” to the Consolidated Financial Statements for additional information regarding the Company’s catastrophe reinsurance programs. Certain insurance subsidiaries assume business from other insurance companies and involuntary pools. Earned Premiums assumed on long-duration and short-duration policies were $9.8 million, $21.8 million and $42.9 million for the years ended December 31, 2025, 2024 and 2023, respectively.

Item 8. Financial Statements and Supplementary Data.

FAQ

What is Kemper's ceded premiums earned?
Kemper (KMPR) reported ceded premiums earned of $4.33M in Q4 2025.
How has Kemper's ceded premiums earned changed year-over-year?
Kemper's ceded premiums earned decreased by 47.7% year-over-year, from $8.28M to $4.33M.
What is the long-term trend for Kemper's ceded premiums earned?
Over 3 years (2022 to 2025), Kemper's ceded premiums earned has grown at a -26.0% compound annual growth rate (CAGR), from $42.7M to $17.3M.
What does ceded premiums earned mean?
Refers to the portion of premiums that an insurance company transfers to a reinsurer in exchange for risk coverage. Monitoring this metric provides insight into the company's risk retention strategy and the extent to which it offloads potential liabilities to third-party partners.

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