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Kemper KMPR Specialty Personal Automobile Insurance—Physical Damage — Year 2

Other product segments

Homeowners
93%+0.6%
Specialty Personal Automobile Insurance—Liability
77%-1.0%
Preferred Personal Automobile Insurance—Liability
62%+2.3%
Commercial Automobile Insurance—Liability
46.6%-10.6%

Similar metrics at other companies

The Hartford Financial Services Group logo
HIGPersonal automobile physical damage — 2nd Year
4.4%-1.9pp
Horace Mann Educators logo
HMNAuto physical damage — Year Two
5.3%
The Hartford Financial Services Group logo
HIGCommercial automobile physical damage — 2nd Year
14.7%-2.6pp
Arch Capital Group logo
ACGLSpecialty — Year Two
28.2%-1.0pp
SiriusPoint logo
SPNTOther Specialties — Year 2
44.2%-0.3pp
Allstate logo
ALLAuto Insurance Physical Damage Coverage — 2 years
7.2%+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: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—physical damage — year 2?
Kemper (KMPR) reported specialty personal automobile insurance—physical damage — year 2 of 100% in Q4 2025.
How has Kemper's specialty personal automobile insurance—physical damage — year 2 changed year-over-year?
Kemper's specialty personal automobile insurance—physical damage — year 2 decreased by 0.0% year-over-year, from 100% to 100%.
What does specialty personal automobile insurance—physical damage — year 2 mean?
This metric tracks the loss development or claims experience for the second year following the accident year within the specialty personal auto physical damage segment. It provides insight into the maturation of claims and the accuracy of initial reserve estimates. Consistent performance in this period is essential for maintaining stable underwriting margins.