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Kemper KMPR Specialty Personal Automobile Insurance—Physical Damage — Year 5

Other product segments

Homeowners
98.8%-0.5%
Specialty Personal Automobile Insurance—Liability
96.8%-0.6%
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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7.8%+0.1pp
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6.5%+0.1pp
Axis Capital Holders logo
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13.3%
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AXSReinsurance — Year 5
9.6%+3.6pp

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—physical damage — year 5?
Kemper (KMPR) reported specialty personal automobile insurance—physical damage — year 5 of 99.8% in Q4 2025.
How has Kemper's specialty personal automobile insurance—physical damage — year 5 changed year-over-year?
Kemper's specialty personal automobile insurance—physical damage — year 5 decreased by 0.2% year-over-year, from 100% to 99.8%.
What does specialty personal automobile insurance—physical damage — year 5 mean?
This metric represents the financial performance or exposure associated with specialty personal automobile physical damage insurance policies at the five-year maturity mark. It tracks the long-term underwriting results and loss development patterns specific to this niche automotive coverage segment. Investors use this to assess the stability and predictability of long-tail liabilities within the company's specialty insurance portfolio.

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