Kemper (KMPR) Commercial Automobile Insurance—Liability — Year 3

Screener

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

ORICommercial Automobile — Year 3

16.4%+0.4pp

UFCSCommercial other liability — Year 3

14.1%-0.7pp

KGCommercial Auto Liability — Year 3

18.7%—

CNACommercial Auto — Year 3

19.1%+0.7pp

AXSInsurance — Year 3

15.3%—

Other financials

Income statement

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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 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.