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Kemper KMPR Commercial Automobile Insurance—Physical Damage — 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%
Commercial Automobile Insurance—Liability
91.6%+1.2%

Similar metrics at other companies

Horace Mann Educators logo
HMNAuto physical damage — Year Five
0%—
United Fire Group logo
UFCSCommercial automobile — Year 5
7.8%+0.1pp
CNA Financial logo
CNACommercial Auto — Year 5
10.7%+0.2pp
Old Republic International logo
ORICommercial Automobile — Year 5
6.5%+0.1pp
The Hartford Financial Services Group logo
HIGCommercial automobile physical damage — 2nd Year
14.7%-2.6pp
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%
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: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—physical damage — year 5?
Kemper (KMPR) reported commercial automobile insurance—physical damage — year 5 of 100% in Q4 2025.
How has Kemper's commercial automobile insurance—physical damage — year 5 changed year-over-year?
Kemper's commercial automobile insurance—physical damage — year 5 decreased by 0.0% year-over-year, from 100% to 100%.
What does commercial automobile insurance—physical damage — year 5 mean?
This metric represents the financial performance or underwriting results specifically attributed to the commercial automobile physical damage insurance line over a five-year horizon. It captures long-term trends in premium growth, loss experience, and profitability for coverage protecting commercial vehicles against damage. Analyzing this data helps investors assess the stability and cyclicality of the company's commercial auto portfolio.