Kemper (KMPR) Commercial Automobile Insurance—Liability — Year 1

Screener

Other product segments

Specialty Personal Automobile Insurance—Physical Damage

94.7%+1.8%

Homeowners

67.5%+0.7%

Specialty Personal Automobile Insurance—Liability

37.2%-2.1%

Preferred Personal Automobile Insurance—Liability

30.8%+1.0%

Similar metrics at other companies

UFCSCommercial automobile — Year 1

35.7%-0.3pp

ORICommercial Automobile — Year 1

35%-0.4pp

UFCSCommercial other liability — Year 1

7.1%-0.5pp

KGCommercial Auto Liability — Year 1

11.9%—

CNACommercial Auto — Year 1

22.6%-1.1pp

AXSInsurance — Year 1

29.5%—

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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


Years	1	2	3	4	5
Specialty Personal Automobile Insurance—Liability	37.2%	77.0%	89.6%	94.3%	96.8%
Specialty Personal Automobile Insurance—Physical Damage	94.7	100.0	100.0	99.8	99.8
Commercial Automobile Insurance—Liability	19.1	46.6	65.6	79.2	91.6
Commercial Automobile Insurance—Physical Damage	87.2	100.0	100.0	100.0	100.0
Non-Core Preferred Personal Automobile Insurance—Liability	30.8	62.0	80.1	89.9	94.8
Non-Core Preferred Personal Automobile Insurance—Physical Damage	97.3	100.0	100.0	100.0	100.0
Non-Core Homeowners Insurance	67.5	93.0	97.1	98.4	98.8

Item 8. Financial Statements and Supplementary Data.

FAQ

What is Kemper's commercial automobile insurance—liability — year 1?: Kemper (KMPR) reported commercial automobile insurance—liability — year 1 of 19.1% in Q4 2025.
How has Kemper's commercial automobile insurance—liability — year 1 changed year-over-year?: Kemper's commercial automobile insurance—liability — year 1 decreased by 11.2% year-over-year, from 21.5% to 19.1%.
What does commercial automobile insurance—liability — year 1 mean?: This metric represents the loss development experience for the commercial automobile liability segment during the first year following the accident year. It is a standard actuarial data point used to analyze the speed and severity of claim reporting and settlement patterns.