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Kemper KMPR Homeowners — Cumulative Paid Losses and Allocated LAE, Net

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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

See full
Market cap$1.68B-47.4%
Enterprise value$2.54B-36.8%
P/S0.4×-0.3×

Profitability

See full
Net margin-10.7%-17.8pp
FCF margin8.7%-2.8pp

Returns & leverage

See full
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:ShortdurationInsuranceContractsCumulativePaidClaimsAndAllocatedClaimAdjustmentExpenseNet.

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 MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMS / Accident YearDOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMS / Incurred Losses and Allocated LAE, Net of Reinsurance For the Years Ended December 31, 2021DOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMS / Incurred Losses and Allocated LAE, Net of Reinsurance For the Years Ended December 31, 2022DOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMS / Incurred Losses and Allocated LAE, Net of Reinsurance For the Years Ended December 31, 2023DOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMS / Incurred Losses and Allocated LAE, Net of Reinsurance For the Years Ended December 31, 2024DOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMS / Incurred Losses and Allocated LAE, Net of Reinsurance For the Years Ended December 31, 2025As of December 31, 2025 / Total of IBNR Liabilities Plus Expected Development on Reported ClaimsAs of December 31, 2025 / Cumulative Number of Reported Claims
2021$100.6$132.6$139.7$141.3$142.1
202297.0141.2149.3152.6
202384.7127.8132.8
202459.274.1
20258.2
Total509.8
Outstanding Loss and Allocated LAE Reserves on Accident Years before 2021, Net of Reinsurance1.7
Loss and Allocated LAE Reserves, Net of Reinsurance$17.0

Item 8. Financial Statements and Supplementary Data.

FAQ

What is Kemper's homeowners — cumulative paid losses and allocated LAE, net?
Kemper (KMPR) reported homeowners — cumulative paid losses and allocated LAE, net of $509.8M in Q4 2025.
How has Kemper's homeowners — cumulative paid losses and allocated LAE, net changed year-over-year?
Kemper's homeowners — cumulative paid losses and allocated LAE, net increased by 241.5% year-over-year, from $149.3M to $509.8M.
What does homeowners — cumulative paid losses and allocated LAE, net mean?
This metric represents the total cash outflows for claims and associated loss adjustment expenses that have been settled and paid, net of reinsurance recoveries. It provides a historical view of the actual capital deployed to satisfy policyholder obligations in the homeowners segment. Comparing this to incurred losses helps investors evaluate the speed and accuracy of the company's claims settlement process.

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