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Kemper KMPR Preferred Personal Automobile Insurance—Liability — 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%
Commercial Automobile Insurance—Liability
91.6%+1.2%

Similar metrics at other companies

United Fire Group logo
UFCSPersonal — Year 5
0.6%-0.2pp
Horace Mann Educators logo
HMNAutomobile Liability — Year Five
3.3%+0.1pp
CNA Financial logo
CNAOther Professional Liability and Management Liability — Year 5
11.5%+1.0pp
CNA Financial logo
CNAGeneral Liability — Year 5
14.5%+0.7pp
The Hartford Financial Services Group logo
HIGProfessional liability — 5th Year
9.7%+0.1pp
Axis Capital Holders logo
AXSInsurance — Year 5
13.3%

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: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 preferred personal automobile insurance—liability — year 5?
Kemper (KMPR) reported preferred personal automobile insurance—liability — year 5 of 94.8% in Q4 2025.
How has Kemper's preferred personal automobile insurance—liability — year 5 changed year-over-year?
Kemper's preferred personal automobile insurance—liability — year 5 increased by 0.2% year-over-year, from 94.6% to 94.8%.
What does preferred personal automobile insurance—liability — year 5 mean?
This metric represents the financial performance or volume of the preferred personal automobile liability insurance segment for the fifth year of the reporting period. It measures the revenue or underwriting activity associated with liability coverage for preferred-tier personal auto customers, reflecting the company's market position in the low-risk insurance segment. Analyzing this data over time helps investors evaluate the stability and profitability of the company's core preferred personal lines business.