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Kemper KMPR Specialty Personal Automobile Insurance—Physical Damage — Year 1

Other product segments

Homeowners
67.5%+0.7%
Specialty Personal Automobile Insurance—Liability
37.2%-2.1%
Preferred Personal Automobile Insurance—Liability
30.8%+1.0%
Commercial Automobile Insurance—Liability
19.1%-11.2%

Similar metrics at other companies

The Hartford Financial Services Group logo
HIGPersonal automobile physical damage — 1st Year
93.3%+1.4pp
Horace Mann Educators logo
HMNAuto physical damage — Year One
95%—
The Hartford Financial Services Group logo
HIGCommercial automobile physical damage — 1st Year
80.7%+2.5pp
The Hartford Financial Services Group logo
HIGPersonal automobile physical damage — 2nd Year
4.4%-1.9pp
Arch Capital Group logo
ACGLSpecialty — Year One
26.2%-1.5pp
Allstate logo
ALLAuto Insurance Physical Damage Coverage — 1 year
93.1%0.0pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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—physical damage — year 1?
Kemper (KMPR) reported specialty personal automobile insurance—physical damage — year 1 of 94.7% in Q4 2025.
How has Kemper's specialty personal automobile insurance—physical damage — year 1 changed year-over-year?
Kemper's specialty personal automobile insurance—physical damage — year 1 increased by 1.8% year-over-year, from 93% to 94.7%.
What does specialty personal automobile insurance—physical damage — year 1 mean?
This metric represents the loss development or claims experience specifically for the first year following the accident year in the specialty personal auto physical damage segment. It is used in actuarial triangles to analyze the speed and pattern of claims reporting and settlement. Investors monitor this to identify early-stage trends in claims severity or frequency that may impact future profitability.