Kemper KMPR Commercial Automobile Insurance—Liability — Year 3

Other product segments

Specialty Personal Automobile Insurance—Physical Damage

100%0.0%

Homeowners

97.1%+0.5%

Specialty Personal Automobile Insurance—Liability

89.6%-1.0%

Preferred Personal Automobile Insurance—Liability

80.1%+2.8%

Similar metrics at other companies

UFCSCommercial automobile — Year 3

17.3%+0.4pp

HMNAutomobile Liability — Year Three

15%+0.1pp

CNACommercial Auto — Year 3

19.1%+0.7pp

HIGCommercial automobile physical damage — 3rd Year

0.4%+0.3pp

CNAGeneral Liability — Year 3

15.5%-0.2pp

UFCSCommercial other liability — Year 3

14.1%-0.7pp

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%

Enterprise value$2.39B-48.7%

P/E30.8×+20.2×

P/S0.3×-0.5×

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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 3?: Kemper (KMPR) reported commercial automobile insurance—liability — year 3 of 65.6% in Q4 2025.
How has Kemper's commercial automobile insurance—liability — year 3 changed year-over-year?: Kemper's commercial automobile insurance—liability — year 3 decreased by 5.1% year-over-year, from 69.1% to 65.6%.
What does commercial automobile insurance—liability — year 3 mean?: This metric represents the loss development experience for the commercial automobile liability segment during the third year following the accident year. Tracking development at this stage is essential for identifying trends in claim severity and the adequacy of initial reserve settings.