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Kemper KMPR Commercial Automobile Insurance—Liability — Year 5

Other product segments

Specialty Personal Automobile Insurance—Physical Damage
99.8%-0.2%
Homeowners
98.8%-0.5%
Specialty Personal Automobile Insurance—Liability
96.8%-0.6%
Preferred Personal Automobile Insurance—Liability
94.8%+0.2%

Similar metrics at other companies

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UFCSCommercial automobile — Year 5
7.8%+0.1pp
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UFCSCommercial other liability — Year 5
10.2%-1.0pp
CNA Financial logo
CNACommercial Auto — Year 5
10.7%+0.2pp
United Fire Group logo
UFCSCommercial other liability — Year 4
16.5%+0.8pp
Horace Mann Educators logo
HMNAutomobile Liability — Year Five
3.3%+0.1pp
Selective Insurance Group logo
SIGICommercial automobile — Short-duration insurance contracts, historical claims duration, year five
9.4%-0.2pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

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 5?
Kemper (KMPR) reported commercial automobile insurance—liability — year 5 of 91.6% in Q4 2025.
How has Kemper's commercial automobile insurance—liability — year 5 changed year-over-year?
Kemper's commercial automobile insurance—liability — year 5 increased by 1.2% year-over-year, from 90.5% to 91.6%.
What does commercial automobile insurance—liability — year 5 mean?
This metric represents the total earned premiums or incurred losses specifically attributed to the commercial automobile liability insurance line of business for the fifth year of a multi-year reporting period. It provides insight into the long-term performance and underwriting stability of commercial fleet and vehicle liability coverage. Investors use this to assess the maturity and historical risk profile of the commercial auto portfolio.