What is Kemper's homeowners — year 2?

Kemper (KMPR) reported homeowners — year 2 of 93% in Q4 2025.

How has Kemper's homeowners — year 2 changed year-over-year?

Kemper's homeowners — year 2 increased by 0.6% year-over-year, from 92.4% to 93%.

What does homeowners — year 2 mean?

This metric represents the second year of development for a specific accident year cohort within the homeowners insurance segment. It provides insight into the maturation of claims and the stability of initial loss estimates as more information becomes available. Investors use this to identify trends in claim reporting and the consistency of actuarial assumptions.

Kemper KMPR Homeowners — Year 2

Other product segments

Specialty Personal Automobile Insurance—Physical Damage

100%0.0%

Specialty Personal Automobile Insurance—Liability

77%-1.0%

Preferred Personal Automobile Insurance—Liability

62%+2.3%

Commercial Automobile Insurance—Liability

46.6%-10.6%

Similar metrics at other companies

HMNHomeowners — Year Two

18.6%+0.2pp

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

23.5%+0.6pp

ALLHome Owners — 2 years

26.3%+1.0pp

EGProperty Insurance — Year two

59.2%-2.4pp

ACGLProperty catastrophe — Year Two

110.1%-58.3pp

SPNTProperty Other — Year 2

72.1%+2.7pp

Other financials

Income statement

See full

Revenue$1.1B-7.2%

Operating income$132.4M+440%

Net income-$1.7M-102%

EPS (diluted)-$0.03-102%

Balance sheet

See full

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

See full

Operating cash flow$88.8M-50.7%

CapEx$10.9M+41.6%

Free cash flow$77.9M-54.8%

Valuation

See full

Market cap$1.54B-58.0%

Profitability

See full

Net margin1.1%-6.3pp

FCF margin9.8%-0.3pp

Returns & leverage

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

The official record: Kemper’s 10-K, filed February 11, 2026, on SEC EDGAR. View the filing →

Ask your AI about Kemper's homeowners — year 2.

Connect your AI assistant and compare segments, right in your chat.

Connect your AI

Claude

Questions, answered.

What is Kemper's homeowners — year 2?: Kemper (KMPR) reported homeowners — year 2 of 93% in Q4 2025.
How has Kemper's homeowners — year 2 changed year-over-year?: Kemper's homeowners — year 2 increased by 0.6% year-over-year, from 92.4% to 93%.
What does homeowners — year 2 mean?: This metric represents the second year of development for a specific accident year cohort within the homeowners insurance segment. It provides insight into the maturation of claims and the stability of initial loss estimates as more information becomes available. Investors use this to identify trends in claim reporting and the consistency of actuarial assumptions.