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Kemper KMPR Policy Acquisition Costs

Policy Acquisition Costs at other companies

Universal Insurance Holdings logo
Universal Insurance HoldingsUVE
$64.47M+6.4%
Mercury General logo
Mercury GeneralMCY
$2.7M-6.9%
Mercury General logo
Mercury GeneralMCY
$237.8M+5.3%
Axis Capital Holders logo
Axis Capital HoldersAXS
$223.77M+15.3%
RLI logo
RLIRLI
$10.81M+35.9%
RLI logo
RLIRLI
$132.08M+6.8%

Segments

By segment

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Specialty Property & Casualty Insurance$122.9M-7.1%
Life Insurance$29.3M-1.3%

Other financials

Income statement

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Revenue$1.1B-7.2%
Operating income$132.4M+440%
Net income-$1.7M-102%
EPS (diluted)-$0.03-102%

Balance sheet

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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

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Operating cash flow$88.8M-50.7%
CapEx$10.9M+41.6%
Free cash flow$77.9M-54.8%

Valuation

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Market cap$1.54B-58.0%
Enterprise value$2.39B-48.7%
P/E30.8×+20.2×
P/S0.3×-0.5×

Profitability

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Net margin1.1%-6.3pp
FCF margin9.8%-0.3pp

Returns & leverage

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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 kmpr:PolicyAcquisitionCosts.

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 policy acquisition costs?
Kemper (KMPR) reported policy acquisition costs of $169.55M in Q4 2025.
How has Kemper's policy acquisition costs changed year-over-year?
Kemper's policy acquisition costs increased by 5.7% year-over-year, from $160.4M to $169.55M.
What is the long-term trend for Kemper's policy acquisition costs?
Over 3 years (2022 to 2025), Kemper's policy acquisition costs has grown at a -6.8% compound annual growth rate (CAGR), from $838.5M to $678.2M.
What does policy acquisition costs mean?
The total upfront costs incurred to acquire, underwrite, and issue new insurance policies, including commissions and other direct marketing expenses. Monitoring this metric helps assess the efficiency of the company's sales and distribution strategy relative to premium growth.