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Kemper KMPR Personal Automobile — Earned Premiums

Other product segments

Commercial Automobile
$238.2M+14.2%
Life
$85.6M+2.3%
Property
$9.9M-5.7%
Accident and Health
$5.3M-3.6%

Similar metrics at other companies

Mercury General logo
MCYPrivate passenger automobile — Premiums Earned, Net
$898.6M+4.7%
Selective Insurance Group logo
SIGIPersonal automobile — Net premiums earned
$46.66M-11.9%
Cincinnati Financial logo
CINFPersonal Insurance — Earned premiums
$873M+25.1%
The Hartford Financial Services Group logo
HIGAutomobiles — Earned premiums and fee income
$942M+2.5%
W.R. Berkley logo
WRBAuto — Earned premiums
$413.49M+6.0%
Mercury General logo
MCYCommercial automobile — Premiums Earned, Net
$97.6M+2.4%

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

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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%
Enterprise value$2.4B-48.7%
P/E30.9×+20.3×
P/S0.3×-0.5×

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:PremiumsEarnedNet.

The official record: Kemper’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Kemper's personal automobile — earned premiums?
Kemper (KMPR) reported personal automobile — earned premiums of $647M in Q1 2026.
How has Kemper's personal automobile — earned premiums changed year-over-year?
Kemper's personal automobile — earned premiums decreased by 14.2% year-over-year, from $753.7M to $647M.
What is the long-term trend for Kemper's personal automobile — earned premiums?
Over 4 years (2021 to 2025), Kemper's personal automobile — earned premiums has grown at a -3.8% compound annual growth rate (CAGR), from $3.53B to $3.02B.
What does personal automobile — earned premiums mean?
This metric measures the portion of written premiums for personal automobile insurance policies that has been recognized as revenue during the reporting period. It represents the actual insurance coverage provided to policyholders over time, excluding unearned portions of premiums. This is a primary indicator of the scale and growth of the personal automobile insurance business.