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Kemper KMPR Corporate Overhead Costs

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Segments

By segment

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Specialty Property & Casualty Insurance$32.7M-3.8%
Life Insurance$8.4M-1.2%

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:CorporateOverheadCosts.

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
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
Pension Settlement(2.6)70.2

Item 8. Financial Statements and Supplementary Data.

FAQ

What is Kemper's corporate overhead costs?
Kemper (KMPR) reported corporate overhead costs of $44.63M in Q4 2025.
How has Kemper's corporate overhead costs changed year-over-year?
Kemper's corporate overhead costs decreased by 8.4% year-over-year, from $48.73M to $44.63M.
What is the long-term trend for Kemper's corporate overhead costs?
Over 3 years (2022 to 2025), Kemper's corporate overhead costs has grown at a -4.9% compound annual growth rate (CAGR), from $207.8M to $178.5M.
What does corporate overhead costs mean?
Centralized administrative and support costs that are not directly attributable to a specific insurance product or business unit. These expenses represent the fixed cost burden of the corporate entity and are critical for evaluating overall organizational leaness.

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