Skip to content

Kemper KMPR Specialty Personal Automobile Insurance—Liability — Year 4

Other product segments

Specialty Personal Automobile Insurance—Physical Damage
99.8%-0.2%
Homeowners
98.4%+0.1%
Preferred Personal Automobile Insurance—Liability
89.9%+0.9%
Commercial Automobile Insurance—Liability
79.2%-3.6%

Similar metrics at other companies

SiriusPoint logo
SPNTOther Specialties — Year 4
6.1%+0.9pp
United Fire Group logo
UFCSPersonal — Year 4
2.2%+0.1pp
Arch Capital Group logo
ACGLSpecialty — Year Four
6.7%+0.3pp
Skyward Specialty Insurance Group, Inc. logo
SKWDShort-tail/Monoline Specialty Lines — Year 4
9.7%+0.6pp
Horace Mann Educators logo
HMNSpecialty Health — Year Four
1.4%+0.6pp
White Mountains Insurance Group logo
WTMSpecialty — 4
8.7%+3.8pp

Other financials

Income statement

See full
Revenue$1.1B-7.2%
Operating income$132.4M+440%
Net income-$1.7M-102%
EPS (diluted)-$0.03-102%

Balance sheet

See full
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

See full
Operating cash flow$88.8M-50.7%
CapEx$10.9M+41.6%
Free cash flow$77.9M-54.8%

Valuation

See full
Market cap$1.54B-58.0%

Profitability

See full
Net margin1.1%-6.3pp
FCF margin9.8%-0.3pp

Returns & leverage

See full
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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

The official record: Kemper’s 10-K, filed February 11, 2026, on SEC EDGAR. View the filing →

Ask your AI about Kemper's specialty personal automobile insurance—liability — year 4.

Connect your AI assistant and compare segments, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is Kemper's specialty personal automobile insurance—liability — year 4?
Kemper (KMPR) reported specialty personal automobile insurance—liability — year 4 of 94.3% in Q4 2025.
How has Kemper's specialty personal automobile insurance—liability — year 4 changed year-over-year?
Kemper's specialty personal automobile insurance—liability — year 4 decreased by 0.8% year-over-year, from 95.1% to 94.3%.
What does specialty personal automobile insurance—liability — year 4 mean?
This metric represents the financial performance or volume associated with the specialty personal automobile liability insurance product line for the fourth reporting period. It captures the premiums earned and associated underwriting results for non-standard or specialty auto coverage, which typically serves higher-risk drivers. This data point is critical for assessing the company's exposure to specialized insurance markets and its ability to price risk effectively in the personal lines segment.