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Kemper KMPR Specialty Personal Automobile Insurance—Liability — Year 2

Other product segments

Specialty Personal Automobile Insurance—Physical Damage
100%0.0%
Homeowners
93%+0.6%
Preferred Personal Automobile Insurance—Liability
62%+2.3%
Commercial Automobile Insurance—Liability
46.6%-10.6%

Similar metrics at other companies

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HMNAutomobile Liability — Year Two
35.6%+0.3pp
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ACGLSpecialty — Year Two
28.2%-1.0pp
CNA Financial logo
CNAGeneral Liability — Year 2
12.1%-0.4pp
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SPNTOther Specialties — Year 2
44.2%-0.3pp
Axis Capital Holders logo
AXSInsurance — Year 2
38.8%
CNA Financial logo
CNAOther Professional Liability and Management Liability — Year 2
19.5%-0.1pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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 specialty personal automobile insurance—liability — year 2?
Kemper (KMPR) reported specialty personal automobile insurance—liability — year 2 of 77% in Q4 2025.
How has Kemper's specialty personal automobile insurance—liability — year 2 changed year-over-year?
Kemper's specialty personal automobile insurance—liability — year 2 decreased by 1.0% year-over-year, from 77.8% to 77%.
What does specialty personal automobile insurance—liability — year 2 mean?
This metric represents the development or loss experience for the specialty personal automobile liability segment during the second year following the accident year. It provides insight into how claim estimates evolve as more information becomes available after the initial year. This data point is essential for evaluating the stability of loss development factors over the claim lifecycle.