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Kemper KMPR Homeowners — Year 5

Other product segments

Specialty Personal Automobile Insurance—Physical Damage
99.8%-0.2%
Specialty Personal Automobile Insurance—Liability
96.8%-0.6%
Preferred Personal Automobile Insurance—Liability
94.8%+0.2%
Commercial Automobile Insurance—Liability
91.6%+1.2%

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CNASurety — Year 5
6.3%+2.4pp
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UFCSPersonal — Year 5
0.6%-0.2pp
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HGTYAuto — Year 5
1.7%-0.1pp
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GLRECasualty — Year 5
22.2%-1.8pp
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GLREFinancial — Year 5
23%+10.4pp
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GLREHealth — Year 5
0%

Other financials

Income statement

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Revenue$1.1B-10.8%
Operating income$132.4M+440%
Net income-$464.8M-740%
EPS (diluted)-$7.90-805%

Balance sheet

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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

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Operating cash flow$30.5M-66.0%
CapEx$11.4M+50.0%
Free cash flow$19.1M-76.7%

Valuation

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Market cap$1.76B-42.1%
Enterprise value$2.62B-32.2%
P/S0.4×-0.2×

Profitability

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Net margin-10.7%-17.8pp
FCF margin8.7%-2.8pp

Returns & leverage

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

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
Years12345
Specialty Personal Automobile Insurance—Liability37.2%77.0%89.6%94.3%96.8%
Specialty Personal Automobile Insurance—Physical Damage94.7100.0100.099.899.8
Commercial Automobile Insurance—Liability19.146.665.679.291.6
Commercial Automobile Insurance—Physical Damage87.2100.0100.0100.0100.0
Non-Core Preferred Personal Automobile Insurance—Liability30.862.080.189.994.8
Non-Core Preferred Personal Automobile Insurance—Physical Damage97.3100.0100.0100.0100.0
Non-Core Homeowners Insurance67.593.097.198.498.8

Item 8. Financial Statements and Supplementary Data.

FAQ

What is Kemper's homeowners — year 5?
Kemper (KMPR) reported homeowners — year 5 of 98.8% in Q4 2025.
How has Kemper's homeowners — year 5 changed year-over-year?
Kemper's homeowners — year 5 decreased by 0.5% year-over-year, from 99.3% to 98.8%.
What does homeowners — year 5 mean?
Represents the fifth year of historical financial performance data specifically attributed to the homeowners insurance product line. It serves as a benchmark for evaluating long-term trends in underwriting performance and market penetration within the residential property sector.

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