Kemper (KMPR) Homeowners — Property and Casualty Insurance Reserves, Net of Reinsurance

Screener

Other product segments

Specialty Personal Automobile Insurance—Liability

$1.64B+13.0%

Commercial Automobile Insurance—Liability

$888M+32.1%

Preferred Personal Automobile Insurance—Liability

$92.6M-42.0%

Other

$29.9M-16.5%

Specialty Personal Automobile Insurance—Physical Damage

$23.5M-11.0%

Similar metrics at other companies

MCYProperty insurance product line, homeowners' — Net outstanding liabilities

$530.46M+25.0%

AFGProperty and casualty insurance — Unpaid losses and LAE, net of reinsurance (excluding unallocated LAE)

$8.48B+6.5%

TRVProperty Liability And Casualty Insurance — Net Undiscounted Claims and Claim Adjustment Expense Reserves

$60.84B+5.9%

EGCasualty Insurance — Liabilities for unpaid claims and claim adjustment expenses, net of reinsurance

2,064,500,000,000%—

LMNDProperty Insurance — Total unpaid loss and ALAE reserves, net

$105.4M+25.8%

CINFHomeowner — Total liabilities for loss and ALAE, net of reinsurance

49,800,000,000%+8,400,000,000pp

Other financials

Income statement

See full

Revenue$1.1B-10.8%

Operating income$132.4M+440%

Net income-$464.8M-740%

EPS (diluted)-$7.90-805%

Balance sheet

See full

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

See full

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:ShortdurationInsuranceContractsLiabilityForUnpaidClaimsAndAllocatedClaimAdjustmentExpenseNet.

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 Year	DOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMS / Incurred Losses and Allocated LAE, Net of Reinsurance For the Years Ended December 31, 2021	DOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMS / Incurred Losses and Allocated LAE, Net of Reinsurance For the Years Ended December 31, 2022	DOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMS / Incurred Losses and Allocated LAE, Net of Reinsurance For the Years Ended December 31, 2023	DOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMS / Incurred Losses and Allocated LAE, Net of Reinsurance For the Years Ended December 31, 2024	DOLLARS IN MILLIONS, EXCEPT CUMULATIVE INCURRED CLAIMS / Incurred Losses and Allocated LAE, Net of Reinsurance For the Years Ended December 31, 2025
2021	$100.6	$132.6	$139.7	$141.3	$142.1
2022		97.0	141.2	149.3	152.6
2023			84.7	127.8	132.8
2024				59.2	74.1
2025					8.2
Total					509.8
Outstanding Loss and Allocated LAE Reserves on Accident Years before 2021, Net of Reinsurance					1.7
Loss and Allocated LAE Reserves, Net of Reinsurance					$17.0

Item 8. Financial Statements and Supplementary Data.

FAQ

What is Kemper's homeowners — property and casualty insurance reserves, net of reinsurance?: Kemper (KMPR) reported homeowners — property and casualty insurance reserves, net of reinsurance of $17M in Q4 2025.
How has Kemper's homeowners — property and casualty insurance reserves, net of reinsurance changed year-over-year?: Kemper's homeowners — property and casualty insurance reserves, net of reinsurance decreased by 57.1% year-over-year, from $39.6M to $17M.
What does homeowners — property and casualty insurance reserves, net of reinsurance mean?: This metric represents the total net liability set aside by the company to cover future claims and associated adjustment expenses for the homeowners insurance segment. It is a critical balance sheet item that reflects the company's financial commitment to policyholders. The adequacy of these reserves is fundamental to the company's solvency and long-term financial stability.