Kemper KMPR Commercial Automobile Insurance—Physical Damage — Year 3

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%

Commercial Automobile Insurance—Liability

65.6%-5.1%

Similar metrics at other companies

HIGCommercial automobile physical damage — 3rd Year

0.4%+0.3pp

HIGPersonal automobile physical damage — 3rd Year

-0.2%-0.1pp

HMNAuto physical damage — Year Three

-0.3%-0.1pp

UFCSCommercial automobile — Year 3

17.3%+0.4pp

HIGCommercial automobile physical damage — 2nd Year

14.7%-2.6pp

CNACommercial Auto — Year 3

19.1%+0.7pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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 3?: Kemper (KMPR) reported commercial automobile insurance—physical damage — year 3 of 100% in Q4 2025.
How has Kemper's commercial automobile insurance—physical damage — year 3 changed year-over-year?: Kemper's commercial automobile insurance—physical damage — year 3 decreased by 0.0% year-over-year, from 100% to 100%.
What does commercial automobile insurance—physical damage — year 3 mean?: This represents the development or loss experience for commercial automobile physical damage claims during the third year following the accident year. Tracking this metric allows for the assessment of long-term claim settlement trends and the accuracy of historical loss projections.