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Kemper KMPR Other Cost and Expense, Operating, Insurance

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Segments

By segment

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Specialty Property & Casualty Insurance$184.3M-14.2%
Life Insurance$67.3M-0.6%

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:OtherCostAndExpenseOperatingInsurance.

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
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
Other Corporate Costs9.628.511.4

Item 8. Financial Statements and Supplementary Data.

FAQ

What is Kemper's other cost and expense, operating, insurance?
Kemper (KMPR) reported other cost and expense, operating, insurance of $291.85M in Q4 2025.
How has Kemper's other cost and expense, operating, insurance changed year-over-year?
Kemper's other cost and expense, operating, insurance increased by 4.8% year-over-year, from $278.48M to $291.85M.
What is the long-term trend for Kemper's other cost and expense, operating, insurance?
Over 3 years (2022 to 2025), Kemper's other cost and expense, operating, insurance has grown at a -4.2% compound annual growth rate (CAGR), from $1.33B to $1.17B.
What does other cost and expense, operating, insurance mean?
A catch-all category for miscellaneous operating expenses related to insurance operations that do not fall under standard line items like claims or commissions. It captures the residual operational burden required to maintain the company's insurance infrastructure.

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