What is Kemper's homeowners — year 4?

Kemper (KMPR) reported homeowners — year 4 of 98.4% in Q4 2025.

How has Kemper's homeowners — year 4 changed year-over-year?

Kemper's homeowners — year 4 increased by 0.1% year-over-year, from 98.3% to 98.4%.

What does homeowners — year 4 mean?

Represents the fourth year of historical financial performance data specifically attributed to the homeowners insurance product line. This metric facilitates longitudinal analysis of segment growth and operational stability over a multi-year horizon.

Kemper KMPR Homeowners — Year 4

Other product segments

Specialty Personal Automobile Insurance—Physical Damage

99.8%-0.2%

Specialty Personal Automobile Insurance—Liability

94.3%-0.8%

Preferred Personal Automobile Insurance—Liability

89.9%+0.9%

Commercial Automobile Insurance—Liability

79.2%-3.6%

Similar metrics at other companies

HMNHomeowners — Year Four

0.5%-0.1pp

HMNHomeowners — Year One

78.5%+0.3pp

HMNHomeowners — Year Two

18.6%+0.2pp

HMNHomeowners — Year Six

0%—

HMNHomeowners — Year Five

0.2%-0.2pp

HMNHomeowners — Year Eight

0%—

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 4?: Kemper (KMPR) reported homeowners — year 4 of 98.4% in Q4 2025.
How has Kemper's homeowners — year 4 changed year-over-year?: Kemper's homeowners — year 4 increased by 0.1% year-over-year, from 98.3% to 98.4%.
What does homeowners — year 4 mean?: Represents the fourth year of historical financial performance data specifically attributed to the homeowners insurance product line. This metric facilitates longitudinal analysis of segment growth and operational stability over a multi-year horizon.