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Kemper KMPR Commercial Automobile Insurance—Physical Damage — Year 1

Other product segments

Specialty Personal Automobile Insurance—Physical Damage
94.7%+1.8%
Homeowners
67.5%+0.7%
Specialty Personal Automobile Insurance—Liability
37.2%-2.1%
Preferred Personal Automobile Insurance—Liability
30.8%+1.0%
Commercial Automobile Insurance—Liability
19.1%-11.2%

Similar metrics at other companies

The Hartford Financial Services Group logo
HIGCommercial automobile physical damage — 1st Year
80.7%+2.5pp
The Hartford Financial Services Group logo
HIGCommercial automobile physical damage — 2nd Year
14.7%-2.6pp
The Hartford Financial Services Group logo
HIGPersonal automobile physical damage — 1st Year
93.3%+1.4pp
United Fire Group logo
UFCSCommercial automobile — Year 1
35.7%-0.3pp
CNA Financial logo
CNACommercial Auto — Year 1
22.6%-1.1pp
The Hartford Financial Services Group logo
HIGCommercial automobile physical damage — 3rd Year
0.4%+0.3pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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—physical damage — year 1?
Kemper (KMPR) reported commercial automobile insurance—physical damage — year 1 of 87.2% in Q4 2025.
How has Kemper's commercial automobile insurance—physical damage — year 1 changed year-over-year?
Kemper's commercial automobile insurance—physical damage — year 1 increased by 2.1% year-over-year, from 85.4% to 87.2%.
What does commercial automobile insurance—physical damage — year 1 mean?
This represents the development or loss experience for commercial automobile physical damage claims during the first year following the accident year. It is a key data point in loss development triangles used to evaluate the speed and accuracy of initial claim reserving practices.