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Kemper KMPR Benefits, claims, losses, and settlement expenses

Benefits, claims, losses, and settlement expenses at other companies

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ProgressivePGR
$13.49B+10.0%

Segments

By segment

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Specialty Property & Casualty Insurance$3.08B+21.1%
Life Insurance$238.7M+1.8%

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:SupplementaryInsuranceInformationBenefitsClaimsLossesAndSettlementExpense.

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
Line itemYear Ended December 31, / Earned PremiumsYear Ended December 31, / Premiums WrittenYear Ended December 31, / Other Income (Loss)Year Ended December 31, / Net Investment Income2Year Ended December 31, / Insurance Claimsand Policy-holders’BenefitsYear Ended December 31, / Amortizationof Deferred Policy Acquisition CostsYear Ended December 31, / Other Insurance Expenses3At December 31 / Deferred Policy Acquisition CostsAt December 31 / Insurance ReservesAt December 31 / Unearned Premiums
Life Insurance1393.4N/A1.6188.2238.729.5234.9497.13,289.48.5
Non-Core Operations77.259.47.759.49.656.70.8161.932.5
Corporate and OtherN/A(12.5)(2.1)0.247.77.0
Total$4,396.3N/A$(2.0)$405.0$3,375.5$574.0$641.0$656.7$6,227.7$1,245.2
2024
Specialty Property & Casualty Insurance$3,576.4$3,685.4$6.1$189.6$2,541.7$474.1$285.4$162.8$2,347.9$1,216.8
Life Insurance1393.9N/A1.1170.6234.532.6239.5463.13,202.48.2
Non-Core Operations245.6108.30.436.4236.831.351.04.1261.750.3

Item 16. Form 10-K Summary

FAQ

What is Kemper's benefits, claims, losses, and settlement expenses?
Kemper (KMPR) reported benefits, claims, losses, and settlement expenses of $843.88M in Q4 2025.
How has Kemper's benefits, claims, losses, and settlement expenses changed year-over-year?
Kemper's benefits, claims, losses, and settlement expenses increased by 12.0% year-over-year, from $753.28M to $843.88M.
What is the long-term trend for Kemper's benefits, claims, losses, and settlement expenses?
Over 3 years (2022 to 2025), Kemper's benefits, claims, losses, and settlement expenses has grown at a -8.7% compound annual growth rate (CAGR), from $4.43B to $3.38B.
What does benefits, claims, losses, and settlement expenses mean?
The total costs incurred for insurance claims, policyholder benefits, and related settlement expenses during the period. This represents the primary cost of goods sold for an insurer and is a direct measure of underwriting performance and risk selection quality. High values relative to premiums earned may indicate adverse loss trends or inadequate pricing.

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