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Kemper KMPR Property and Liability Insurance — Earned Premiums

Other product segments

Personal Automobile
$647M-14.2%
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

Cincinnati Financial logo
CINFProperty, Liability and Casualty Insurance — Earned premiums
$2.41B+12.7%
Everest Group logo
EGTotal property and liability insurance premiums earned — Premiums earned
$3.89B+2.5%
W.R. Berkley logo
WRBProperty — Earned premiums
$101.85M-15.7%
Markel logo
MKLProperty — Earned premiums
$163.62M+6.4%
Assurant logo
AIZProperty and liability insurance — Direct earned premiums
$4.71B+3.1%
W.R. Berkley logo
WRBProfessional liability — Earned premiums
$287.89M+5.6%

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

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-K, filed February 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Kemper's property and liability insurance — earned premiums?
Kemper (KMPR) reported property and liability insurance — earned premiums of $1.01B in Q4 2025.
How has Kemper's property and liability insurance — earned premiums changed year-over-year?
Kemper's property and liability insurance — earned premiums increased by 4.6% year-over-year, from $966.4M to $1.01B.
What is the long-term trend for Kemper's property and liability insurance — earned premiums?
Over 4 years (2021 to 2025), Kemper's property and liability insurance — earned premiums has grown at a -3.5% compound annual growth rate (CAGR), from $4.66B to $4.04B.
What does property and liability insurance — earned premiums mean?
This metric represents the portion of insurance premiums that the company has recognized as revenue over the policy period. Unlike written premiums, earned premiums provide a more accurate view of the revenue generated from active risk coverage during a specific reporting interval. It is a fundamental measure of the segment's operational performance and revenue stability.