Kemper KMPR Commercial Automobile Insurance—Liability — Year 4

Other product segments

Specialty Personal Automobile Insurance—Physical Damage

99.8%-0.2%

Homeowners

98.4%+0.1%

Specialty Personal Automobile Insurance—Liability

94.3%-0.8%

Preferred Personal Automobile Insurance—Liability

89.9%+0.9%

Similar metrics at other companies

UFCSCommercial automobile — Year 4

11.8%-0.6pp

CNACommercial Auto — Year 4

15.2%+0.6pp

HMNAutomobile Liability — Year Four

6.7%-0.1pp

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

12.7%+0.3pp

ORICommercial Automobile — Year 4

11.7%+0.2pp

UFCSCommercial other liability — Year 4

16.5%+0.8pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 4?: Kemper (KMPR) reported commercial automobile insurance—liability — year 4 of 79.2% in Q4 2025.
How has Kemper's commercial automobile insurance—liability — year 4 changed year-over-year?: Kemper's commercial automobile insurance—liability — year 4 decreased by 3.6% year-over-year, from 82.2% to 79.2%.
What does commercial automobile insurance—liability — year 4 mean?: This metric represents the loss development experience for the commercial automobile liability segment during the fourth year following the accident year. It provides a more mature view of claim settlement patterns and helps validate the long-term accuracy of the company's underwriting and reserving processes.