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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%

Similar metrics at other companies

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0%
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HMNAuto physical damage — Year Six
0%
Arch Capital Group logo
ACGLSpecialty — Year Five
5.4%+0.2pp
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ALLAuto Insurance Physical Damage Coverage — 5 years
0%
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HMNAuto physical damage — Year Four
0%
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SIGIPersonal automobile — Short-duration insurance contracts, historical claims duration, year five
3.1%-0.4pp

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—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.