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Kemper KMPR Specialty Personal Automobile Insurance—Liability — Year 5

Other product segments

Specialty Personal Automobile Insurance—Physical Damage
99.8%-0.2%
Homeowners
98.8%-0.5%
Preferred Personal Automobile Insurance—Liability
94.8%+0.2%
Commercial Automobile Insurance—Liability
91.6%+1.2%

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UFCSPersonal — Year 5
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17.6%+3.4pp
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UFCSCommercial automobile — Year 5
7.8%+0.1pp
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6.5%+0.1pp
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13.3%
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14.5%+0.7pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

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 specialty personal automobile insurance—liability — year 5?
Kemper (KMPR) reported specialty personal automobile insurance—liability — year 5 of 96.8% in Q4 2025.
How has Kemper's specialty personal automobile insurance—liability — year 5 changed year-over-year?
Kemper's specialty personal automobile insurance—liability — year 5 decreased by 0.6% year-over-year, from 97.4% to 96.8%.
What does specialty personal automobile insurance—liability — year 5 mean?
This metric represents the financial performance or volume associated with the specialty personal automobile liability insurance product line for the fifth reporting period. It reflects the underwriting activity and market penetration within the non-standard auto insurance sector, providing insight into the company's risk appetite and segment-specific revenue trends. Analysts use this to evaluate year-over-year growth and the stability of the specialty insurance portfolio against broader market conditions.

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