Kemper KMPR Commercial Automobile Insurance—Physical Damage — 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%

Commercial Automobile Insurance—Liability

79.2%-3.6%

Similar metrics at other companies

UFCSCommercial automobile — Year 4

11.8%-0.6pp

HMNAuto physical damage — Year Four

0%—

HIGCommercial automobile physical damage — 3rd Year

0.4%+0.3pp

CNACommercial Auto — Year 4

15.2%+0.6pp

HIGCommercial automobile physical damage — 2nd Year

14.7%-2.6pp

ALLAuto insurance - physical damage coverage — 4 years

-0.2%0.0pp

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—physical damage — year 4?: Kemper (KMPR) reported commercial automobile insurance—physical damage — year 4 of 100% in Q4 2025.
How has Kemper's commercial automobile insurance—physical damage — year 4 changed year-over-year?: Kemper's commercial automobile insurance—physical damage — year 4 decreased by 0.0% year-over-year, from 100% to 100%.
What does commercial automobile insurance—physical damage — year 4 mean?: This represents the development or loss experience for commercial automobile physical damage claims during the fourth year following the accident year. It provides insight into the tail-end settlement patterns and the ultimate cost realization for older claims in this segment.