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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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0.6%-0.2pp

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 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.