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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-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%

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 us-gaap:SupplementaryInsuranceInformationBenefitsClaimsLossesAndSettlementExpense.

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 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.