Kemper KMPR Commercial Automobile Insurance—Physical Damage — Year 2

Other product segments

Specialty Personal Automobile Insurance—Physical Damage

100%0.0%

Homeowners

93%+0.6%

Specialty Personal Automobile Insurance—Liability

77%-1.0%

Preferred Personal Automobile Insurance—Liability

62%+2.3%

Commercial Automobile Insurance—Liability

46.6%-10.6%

Similar metrics at other companies

HIGCommercial automobile physical damage — 2nd Year

14.7%-2.6pp

HIGPersonal automobile physical damage — 2nd Year

4.4%-1.9pp

UFCSCommercial automobile — Year 2

21.3%+0.3pp

CNACommercial Auto — Year 2

22.5%+0.2pp

HMNAuto physical damage — Year Two

5.3%—

HIGCommercial automobile physical damage — 1st Year

80.7%+2.5pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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 2?: Kemper (KMPR) reported commercial automobile insurance—physical damage — year 2 of 100% in Q4 2025.
How has Kemper's commercial automobile insurance—physical damage — year 2 changed year-over-year?: Kemper's commercial automobile insurance—physical damage — year 2 decreased by 0.0% year-over-year, from 100% to 100%.
What does commercial automobile insurance—physical damage — year 2 mean?: This represents the development or loss experience for commercial automobile physical damage claims during the second year following the accident year. It helps investors and actuaries analyze the maturation of claims and the consistency of reserve estimates over time.