What is Kemper's homeowners — year 1?

Kemper (KMPR) reported homeowners — year 1 of 67.5% in Q4 2025.

How has Kemper's homeowners — year 1 changed year-over-year?

Kemper's homeowners — year 1 increased by 0.7% year-over-year, from 67% to 67.5%.

What does homeowners — year 1 mean?

This metric represents the first year of development for a specific accident year cohort within the homeowners insurance segment. It is used in actuarial loss development triangles to track how claims estimates evolve shortly after the policy period ends. This data is essential for assessing the initial accuracy of loss reserving practices.

Kemper KMPR Homeowners — Year 1

Other product segments

Specialty Personal Automobile Insurance—Physical Damage

94.7%+1.8%

Specialty Personal Automobile Insurance—Liability

37.2%-2.1%

Preferred Personal Automobile Insurance—Liability

30.8%+1.0%

Commercial Automobile Insurance—Liability

19.1%-11.2%

Similar metrics at other companies

HMNHomeowners — Year One

78.5%+0.3pp

SIGIHomeowners — Short-duration insurance contracts, Historical claims duration, year one

70.6%-0.6pp

ALLHome Owners — 1 year

66.5%-0.1pp

SIGIHomeowners — Short-duration insurance contracts, historical claims duration, year two

23.5%+0.6pp

EGProperty Insurance — Year one

79.1%-0.1pp

ACGLProperty catastrophe — Year One

-62.4%-21.7pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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 homeowners — year 1?: Kemper (KMPR) reported homeowners — year 1 of 67.5% in Q4 2025.
How has Kemper's homeowners — year 1 changed year-over-year?: Kemper's homeowners — year 1 increased by 0.7% year-over-year, from 67% to 67.5%.
What does homeowners — year 1 mean?: This metric represents the first year of development for a specific accident year cohort within the homeowners insurance segment. It is used in actuarial loss development triangles to track how claims estimates evolve shortly after the policy period ends. This data is essential for assessing the initial accuracy of loss reserving practices.