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Kemper KMPR Preferred Personal Automobile Insurance—Liability — 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%
Commercial Automobile Insurance—Liability
79.2%-3.6%

Similar metrics at other companies

United Fire Group logo
UFCSPersonal — Year 4
2.2%+0.1pp
United Fire Group logo
UFCSCommercial automobile — Year 4
11.8%-0.6pp
Old Republic International logo
ORICommercial Automobile — Year 4
11.7%+0.2pp
Axis Capital Holders logo
AXSInsurance — Year 4
14.8%
CNA Financial logo
CNAGeneral Liability — Year 4
16.6%-0.2pp
Old Republic International logo
ORIGeneral Liability — Year 4
15.7%+0.1pp

Other financials

Income statement

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Revenue$1.1B-10.8%
Operating income$132.4M+440%
Net income-$464.8M-740%
EPS (diluted)-$7.90-805%

Balance sheet

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Cash & equivalents$81.2M-54.1%
Total debt$944.5M-5.7%
Total equity$2.2B+493%
Total assets$11.9B-4.4%

Cash flow

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Operating cash flow$30.5M-66.0%
CapEx$11.4M+50.0%
Free cash flow$19.1M-76.7%

Valuation

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Market cap$1.76B-42.1%
Enterprise value$2.62B-32.2%
P/S0.4×-0.2×

Profitability

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Net margin-10.7%-17.8pp
FCF margin8.7%-2.8pp

Returns & leverage

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Return on equity-38%-132pp
Debt / equity0.4×-2.3×

Where this comes from

Reported directly by Kemper in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

The source filing: Kemper’s 10-K, filed February 11, 2026.

Filed
Feb 10, 2026, 7:00 PM EST
Fiscal year
FY2025
Accession
0000860748-26-000014
Years12345
Specialty Personal Automobile Insurance—Liability37.2%77.0%89.6%94.3%96.8%
Specialty Personal Automobile Insurance—Physical Damage94.7100.0100.099.899.8
Commercial Automobile Insurance—Liability19.146.665.679.291.6
Commercial Automobile Insurance—Physical Damage87.2100.0100.0100.0100.0
Non-Core Preferred Personal Automobile Insurance—Liability30.862.080.189.994.8
Non-Core Preferred Personal Automobile Insurance—Physical Damage97.3100.0100.0100.0100.0
Non-Core Homeowners Insurance67.593.097.198.498.8

Item 8. Financial Statements and Supplementary Data.

FAQ

What is Kemper's preferred personal automobile insurance—liability — year 4?
Kemper (KMPR) reported preferred personal automobile insurance—liability — year 4 of 89.9% in Q4 2025.
How has Kemper's preferred personal automobile insurance—liability — year 4 changed year-over-year?
Kemper's preferred personal automobile insurance—liability — year 4 increased by 0.9% year-over-year, from 89.1% to 89.9%.
What does preferred personal automobile insurance—liability — year 4 mean?
This metric represents the financial performance or volume of the preferred personal automobile liability insurance segment for the fourth year of the reporting period. It captures premiums earned or underwriting results specifically from low-risk policyholders seeking coverage for legal liabilities arising from vehicle accidents. This segment is a key indicator of the company's ability to attract and retain high-quality, lower-risk drivers within its personal lines portfolio.

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