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Kemper KMPR Property and Liability Insurance — Earned Premiums

Other product segments

Personal Automobile
$647.4M-18.0%
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%
Everest Group logo
EGTotal property and liability insurance premiums earned — Premiums earned
$3.89B+2.5%
Assurant logo
AIZProperty and liability insurance — Premiums Earned, Net
$2.58B+7.1%
Chubb logo
CBProperty Liability And Casualty Insurance — Net premiums earned
$10.64B+5.6%
U-Haul Holding logo
UHALProperty Liability And Casualty Insurance — Premiums Earned Net
$26.28M+6.3%
Progressive logo
PGRProperty Liability And Casualty Insurance — Net premiums earned
$20.42B+15.3%

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:PremiumsEarnedNet.

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
Year Ended December 31, 2025Gross AmountCeded to Other CompaniesAssumedfrom Other CompaniesNet AmountPercentageof Amount Assumed to Net
Premiums:
Life Insurance$333.1$2.9$0.4$330.60.1%
Accident and Health Insurance34.612.821.8
Property and Liability Insurance4,047.61.6(2.1)4,043.9(0.1)
Total Premiums$4,415.3$17.3$(1.7)$4,396.3
Year Ended December 31, 2024
Life Insurance in Force$19,651.3$322.5$123.6$19,452.40.6%
Premiums:

Item 16. Form 10-K Summary

FAQ

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.

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