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Kemper KMPR Personal Automobile — Earned Premiums

Other product segments

Commercial Automobile
$249.2M+12.5%
Life
$87.5M+3.2%
Property
$9.8M-4.9%
Accident and Health
$5.4M0.0%

Similar metrics at other companies

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WRBCommercial automobile — Earned Premiums
$404.48M+9.2%
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SIGIPersonal automobile — Net premiums earned
$44.66M-12.9%
Markel logo
MKLPersonal Lines — Earned premiums
$187.94M+20.2%
Alignment Healthcare logo
ALHCPremium — Earned premiums
$1.23B+33.8%
Cincinnati Financial logo
CINFPersonal Insurance — Earned premiums
$880M+9.5%
Arch Capital Group logo
ACGLCommercial automobile — Net premiums earned
$145.25M+26.6%

Other financials

Income statement

See full
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

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

Profitability

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

Returns & leverage

See full
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:PremiumsEarnedNet.

The source filing: Kemper’s 10-Q, filed August 5, 2026.

Filed
Aug 5, 2026, 4:13 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000860748-26-000084
(Dollars in Millions)Three Months Ended / Jun 30,2026Three Months Ended / Jun 30,2025Six Months Ended / Jun 30,2026Six Months Ended / Jun 30,2025
Specialty Property & Casualty Insurance:
Personal Automobile$647.4$789.3$1,294.4$1,543.0
Commercial Automobile249.2221.5487.4430.0
Total Specialty Property & Casualty Insurance896.61,010.81,781.81,973.0
Life Insurance:
Life87.584.8173.1168.5
Accident and Health5.45.410.710.9
Property9.810.319.720.8

Item 1. Financial Statements

FAQ

What is Kemper's personal automobile — earned premiums?
Kemper (KMPR) reported personal automobile — earned premiums of $647.4M in Q2 2026.
How has Kemper's personal automobile — earned premiums changed year-over-year?
Kemper's personal automobile — earned premiums decreased by 18.0% year-over-year, from $789.3M to $647.4M.
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.

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