What is Kemper's homeowners — year 3?

Kemper (KMPR) reported homeowners — year 3 of 97.1% in Q4 2025.

How has Kemper's homeowners — year 3 changed year-over-year?

Kemper's homeowners — year 3 increased by 0.5% year-over-year, from 96.6% to 97.1%.

What does homeowners — year 3 mean?

This metric represents the third year of development for a specific accident year cohort within the homeowners insurance segment. It serves as a key data point in evaluating the long-term accuracy of loss reserves and the predictability of claims costs. Consistent development patterns across these years indicate a stable and well-managed underwriting process.

Kemper KMPR Homeowners — Year 3

Other product segments

Specialty Personal Automobile Insurance—Physical Damage

100%0.0%

Specialty Personal Automobile Insurance—Liability

89.6%-1.0%

Preferred Personal Automobile Insurance—Liability

80.1%+2.8%

Commercial Automobile Insurance—Liability

65.6%-5.1%

Similar metrics at other companies

HMNHomeowners — Year Three

2.2%0.0pp

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

3.5%+0.2pp

ACGLProperty catastrophe — Year Three

-23.8%+1.5pp

EGProperty Insurance — Year three

24.2%+1.7pp

HIGProperty Insurance — 3rd Year

9.4%-0.1pp

AXSInsurance — Year 3

15.3%—

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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 3?: Kemper (KMPR) reported homeowners — year 3 of 97.1% in Q4 2025.
How has Kemper's homeowners — year 3 changed year-over-year?: Kemper's homeowners — year 3 increased by 0.5% year-over-year, from 96.6% to 97.1%.
What does homeowners — year 3 mean?: This metric represents the third year of development for a specific accident year cohort within the homeowners insurance segment. It serves as a key data point in evaluating the long-term accuracy of loss reserves and the predictability of claims costs. Consistent development patterns across these years indicate a stable and well-managed underwriting process.