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Kemper KMPR Preferred Personal 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%
Allstate logo
ALLAuto Insurance Physical Damage Coverage — 5 years
0%
United Fire Group logo
UFCSPersonal — Year 5
0.6%-0.2pp
Horace Mann Educators logo
HMNAuto physical damage — Year Six
0%
Safety Insurance Group logo
SAFTPrivate Passenger Automobile Physical Damage — Negative Short Duration Insurance Contracts Historical Claims Duration Year Five
-2.5%
The Hartford Financial Services Group logo
HIGPersonal automobile physical damage — 2nd Year
4.4%-1.9pp

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$1.5B-63.0%
Enterprise value$2.35B-52.4%
P/E30×+18.3×
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 preferred personal automobile insurance—physical damage — year 5?
Kemper (KMPR) reported preferred personal automobile insurance—physical damage — year 5 of 100% in Q4 2025.
How has Kemper's preferred personal automobile insurance—physical damage — year 5 changed year-over-year?
Kemper's preferred personal automobile insurance—physical damage — year 5 decreased by 0.0% year-over-year, from 100% to 100%.
What does preferred personal automobile insurance—physical damage — year 5 mean?
This metric represents the cumulative financial performance or exposure associated with preferred personal automobile physical damage insurance policies over a five-year duration. It provides insight into the long-term profitability and risk profile of the company's high-quality personal auto portfolio. Investors use this to assess the stability and underwriting consistency of the segment over an extended business cycle.