Kemper KMPR Commercial Automobile Insurance—Liability — Year 2

Other product segments

Specialty Personal Automobile Insurance—Physical Damage

100%0.0%

Homeowners

93%+0.6%

Specialty Personal Automobile Insurance—Liability

77%-1.0%

Preferred Personal Automobile Insurance—Liability

62%+2.3%

Similar metrics at other companies

HMNAutomobile Liability — Year Two

35.6%+0.3pp

CNACommercial Auto — Year 2

22.5%+0.2pp

HIGCommercial automobile physical damage — 2nd Year

14.7%-2.6pp

SIGICommercial automobile — Short-duration insurance contracts, historical claims duration, year two

18.9%+0.9pp

ORICommercial Automobile — Year 2

23.6%+0.2pp

CNAGeneral Liability — Year 2

12.1%-0.4pp

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

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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 commercial automobile insurance—liability — year 2?: Kemper (KMPR) reported commercial automobile insurance—liability — year 2 of 46.6% in Q4 2025.
How has Kemper's commercial automobile insurance—liability — year 2 changed year-over-year?: Kemper's commercial automobile insurance—liability — year 2 decreased by 10.6% year-over-year, from 52.1% to 46.6%.
What does commercial automobile insurance—liability — year 2 mean?: This metric represents the loss development experience for the commercial automobile liability segment during the second year following the accident year. It helps investors and actuaries understand the maturity of claims and the stability of loss reserve estimates over time.