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Kemper KMPR Specialty Personal Automobile Insurance—Physical Damage — Year 3

Other product segments

Homeowners
97.1%+0.5%
Specialty Personal Automobile Insurance—Liability
89.6%-1.0%
Preferred Personal Automobile Insurance—Liability
80.1%+2.8%
Commercial Automobile Insurance—Liability
65.6%-5.1%

Similar metrics at other companies

The Hartford Financial Services Group logo
HIGPersonal automobile physical damage — 3rd Year
-0.2%-0.1pp
Horace Mann Educators logo
HMNAuto physical damage — Year Three
-0.3%-0.1pp
The Hartford Financial Services Group logo
HIGCommercial automobile physical damage — 3rd Year
0.4%+0.3pp
SiriusPoint logo
SPNTOther Specialties — Year 3
56.1%+29.8pp
Arch Capital Group logo
ACGLSpecialty — Year Three
14.6%+0.4pp
Allstate logo
ALLAuto insurance - physical damage coverage — 3 years
-0.5%-0.1pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

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 3?
Kemper (KMPR) reported specialty personal automobile insurance—physical damage — year 3 of 100% in Q4 2025.
How has Kemper's specialty personal automobile insurance—physical damage — year 3 changed year-over-year?
Kemper's specialty personal automobile insurance—physical damage — year 3 decreased by 0.0% year-over-year, from 100% to 100%.
What does specialty personal automobile insurance—physical damage — year 3 mean?
This metric measures the loss development or claims experience for the third year following the accident year for the specialty personal auto physical damage segment. It helps investors understand the long-term settlement patterns and the reliability of the company's actuarial models. Significant deviations in this period can signal changes in claims handling or underlying risk factors.