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Kemper KMPR Commercial Automobile — Earned Premiums

Other product segments

Personal Automobile
$647.4M-18.0%
Life
$87.5M+3.2%
Property
$9.8M-4.9%
Accident and Health
$5.4M0.0%

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WRBCommercial automobile — Earned Premiums
$404.48M+9.2%
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ACGLCommercial automobile — Net premiums earned
$145.25M+26.6%
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SIGICommercial automobile — Net premiums earned
$291.41M+0.9%
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MCYCommercial automobile — Premiums Earned, Net
$97.6M+2.4%
Alignment Healthcare logo
ALHCPremium — Earned premiums
$1.23B+33.8%
Selective Insurance Group logo
SIGIPersonal automobile — Net premiums earned
$44.66M-12.9%

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

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 commercial automobile — earned premiums?
Kemper (KMPR) reported commercial automobile — earned premiums of $249.2M in Q2 2026.
How has Kemper's commercial automobile — earned premiums changed year-over-year?
Kemper's commercial automobile — earned premiums increased by 12.5% year-over-year, from $221.5M to $249.2M.
What is the long-term trend for Kemper's commercial automobile — earned premiums?
Over 4 years (2021 to 2025), Kemper's commercial automobile — earned premiums has grown at a 21.4% compound annual growth rate (CAGR), from $414.8M to $900.8M.
What does commercial automobile — earned premiums mean?
This metric measures the portion of insurance premiums recognized as revenue during the reporting period for commercial automobile coverage. It represents the amount of premium that corresponds to the period of risk protection actually provided to policyholders. This is a primary indicator of the scale and growth trajectory of the commercial automobile insurance business segment.

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