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KMPR · KEMPER Corp

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$26.72 +0.51 (+1.95%) At close · Aug 19
Customer concentration — key customers 82% of revenue

Key customers — 82% of revenue (2025)

“California and Florida represented 82% of the Company’s total personal automobile insurance gross written premiums in 2025.”
View the 10-K filed Feb 11, 2026
Market Cap
$1.54B
Shares
58.92M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$26.72 Open$26.42 Day$26.38–27.13 52W close$22.90–54.37 Avg vol 30d845K Short int5.1M · 8.7% float · 6.4d Short vol46% Last earningsAug 6, 2026 DataJan 2020–Aug 2026 Filing10-Q · Aug 5

Up next

Next earnings call
Nov 6, 2026 Est · unconfirmed · in 11 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Aug 5, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Sell
      SellHoldBuy
      Technical Sell Momentum Very Weak Sentiment Bullish Fundamentals Weak Quant / Vol Very High
      Market backdrop VIX 14.9 · calm Equity put/call 0.52
      Technical
      price trend
      Sell
      50 / 200-day cross No cross
      Price vs 200-day avg −19%
      below
      Price vs 50-day avg −3%
      below
      RSI (14) 44
      neutral
      MACD trend Negative
      52-week position 12%
      near low
      Volume (OBV) Bullish div.
      accumulating
      Momentum
      relative strength
      Very Weak
      1-month return −3%
      trailing
      6-month return −18%
      trailing
      YTD return −34%
      this year
      Relative strength −29%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bullish
      Trend (MA cross) No cross
      50d $28 › 200d $33 — 200d above 50d
      Institutional flow Accumulating
      +4% holders QoQ · +67 funds added
      Insider flow Accumulating
      Net +$367.9K over 90 days · 0% sells
      Short interest Falling
      8.72% of float · ▼ -0.6% MoM · 6.4 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      288 holders — mid 3-yr range
      Squeeze score 60
      elevated · 0–100
      Fundamentals
      Weak
      Revenue growth +3%
      Y/Y
      EPS growth −53%
      Y/Y
      Buyback $304.2M
      remaining
      Balance sheet $826.3M
      net debt
      Quant / Vol
      risk profile
      Very High
      Volatility 40%
      annualized · 1-yr
      Max drawdown −58%
      past year
      ATR 4.4%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the Earnings Call filed Mar 31, 2024
      Specialty P&C target combined ratio · long-term up to 96%
      Prior guidance period ended · from the Earnings Call filed Mar 31, 2025
      Trailing 12-month cash flows · second quarter at least $600M

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Sell
      3 · 3 · 1
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      −19% Bearish
      Price vs 50-day avg
      −3% Neutral
      RSI (14)
      44 Neutral
      MACD trend
      Negative Bearish
      52-week position
      12% Bearish
      Volume (OBV)
      Bullish div. Bullish
      Market signals — smart money & positioning
      Bullish · 3 of 6
      Trend (MA cross) No cross
      50d $28 › 200d $33 — 200d above 50d
      Institutional flow Accumulating
      +4% holders QoQ · +67 funds added
      Insider flow Accumulating
      Net +$367.9K over 90 days · 0% sells
      Short interest Falling
      8.72% of float · ▼ -0.6% MoM · 6.4 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      288 holders — mid 3-yr range
      Price context
      position in its 52-week range
      Range low $23 Now $27 · 12% Range high $54
      vs 200-day avg -19% vs 50-day avg -3%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      Adjusted Shareholders' Equity non-GAAP $1.62B As of Jun 30, 2026 —
      Combined Ratio 105.3% Six Months Ended Jun 30, 2026 —
      Commercial Auto Combined Ratio 101.2% 2Q'26 —
      Commercial Auto Insurance Combined Ratio as Reported 101.2% Three Months Ended 2Q'26 —
      Commercial Auto Insurance Underlying Combined Ratio non-GAAP 93.7% Three Months Ended 2Q'26 —
      Commercial Auto PIF QoQ change 2.6% 2Q'26 —
      Commercial Auto Policies In-Force 170K 2Q'26 —
      Commercial Auto Underlying Combined Ratio non-GAAP 93.7% 2Q'26 —
      Common Shares Issued and Outstanding 58.92M As of Jun 30, 2026 —
      Diluted Adjusted Net Operating Income per Unrestricted Share non-GAAP $0.66 Six Months Ended Jun 30, 2026 —
      Life Avg. Face Value per Policy $6,648 2Q'26 —
      Life Avg. Premium per Policy Issued $708 2Q'26 —
      Life Face Value of In-Force $19.74B 2Q'26 —
      Personal Auto Insurance Combined Ratio as Reported 105% Three Months Ended 2Q'26 —
      Personal Auto Insurance Underlying Combined Ratio non-GAAP 105.5% Three Months Ended 2Q'26 —
      Personal Auto PIF QoQ change 6.5% 2Q'26 —
      Personal Auto Policies In-Force 928K 2Q'26 —
      Personal Auto Underlying Combined Ratio non-GAAP 105.5% 2Q'26 —
      Return on Adjusted Shareholders' Equity non-GAAP -27.9% Six Months Ended Jun 30, 2026 —
      Return on Shareholders' Equity -18.2% Six Months Ended Jun 30, 2026 —
      Risk-Based Capital Ratio P&C 28.3% 2Q'26 —
      Specialty Commercial Automobile Underlying Combined Ratio non-GAAP 93.1% Six Months Ended Jun 30, 2026 —
      Specialty P&C Combined Ratio 104% 2Q'26 —
      Specialty P&C Insurance Combined Ratio as Reported 104% Three Months Ended 2Q'26 —
      Specialty P&C Insurance Underlying Combined Ratio non-GAAP 102.3% Three Months Ended 2Q'26 —
      Specialty P&C Insurance – California PPA Combined Ratio 108.1% Three Months Ended 2Q'26 —
      Specialty P&C Insurance – California PPA Underlying Combined Ratio non-GAAP 107.3% Three Months Ended 2Q'26 —
      Specialty P&C Insurance – Florida/Texas PPA Combined Ratio 94.3% Three Months Ended 2Q'26 —
      Specialty P&C Insurance – Florida/Texas PPA Underlying Combined Ratio non-GAAP 95.5% Three Months Ended 2Q'26 —
      Specialty P&C PIF QoQ change 5.2% 2Q'26 —
      Specialty P&C Policies In-Force 1.1M 2Q'26 —
      Specialty P&C Underlying Combined Ratio non-GAAP 102.3% 2Q'26 —
      Trailing twelve-month Operating Cash Flow 434M TTM 2Q'26 —
      Underlying Combined Ratio non-GAAP 104.2% Six Months Ended Jun 30, 2026 —
      Specialty Commercial Automobile PIF growth 10% first quarter of 2026 —
      Adjusted ROE non-GAAP 7.8% FY 2025 —
      Book value per share $45.71 FY 2025 —
      ROE 5.1% FY 2025 —
      Trailing 12-month operating cash flow $585M FY 2025 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Insurance - Property & Casualty — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      KMPR
      KEMPER Corp
      this stock
      		$1.54B -34.1% +3.3% — 8.7%
      CB
      Chubb Ltd
      		 $133.92B +9.2% +6.5% 12.2 1.1%
      PGR
      Progressive Corp/Oh/
      		 $120.36B -4.6% +16.3% 10.4 1.4%
      TKOMY
      Tokio Marine Holdings, Inc.
      		 $87.29B +24.3% — — 0.0%
      TRV
      Travelers Companies, Inc.
      		 $76.74B +24.9% +5.2% 9.9 3.6%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      288
      % held
      96.6%
      Net QoQ
      +3.1M sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      289
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      5.1M
      Days to cover
      6.4d
      Change
      -29.8K sh
      View
      Short Volume
      Short vol %
      46%
      As of
      Aug 19, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      281
      Value
      $8.2K
      As of
      Jul 31, 2026
      View
      Off-Exchange
      Off-exchange %
      35.8%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Cluster buy
      Net (90d)
      +$367.9K
      Buyers / Sellers
      5 / 0
      Buyers Sellers
      View
      Congressional Trades Sell
      Member
      Greg Gianforte
      Amount
      $15.0K–$50.0K
      Traded
      Aug 11, 2020
      View
      Financials
      Financials
      Revenue (FY)
      $4.8B
      Net income (FY)
      $143.3M
      EPS diluted
      $2.29
      View
      Buybacks
      Authorized
      $500.0M
      Remaining
      $304.2M
      Spent Remaining
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Aug 5, 2026
      This year
      12
      View
      Proposed Sales
      Value
      $17.5K
      Shares
      504
      Filed
      Feb 6, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Aug 6, 2026
      View
      Investor Relations
      Latest news
      Kemper Announces Quarterly Divide…
      Published
      Aug 5, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      KMPR +0.8% -2.7% -17.7% -5.9% -34.1%
      SPY -0.4% +2.9% +11.6% +3.0% +12.8%
      vs SPY +1.2% -5.6% -29.3% -8.8% -46.9%

      Capital returns

      Latest dividend
      $0.32 / share · ex May 18, 2026
      Declared · upcoming
      $0.32 / share · ex Aug 21, 2026
      Raised 3.2%
      Paid (TTM)
      $0.96 / share · 3 payouts
      Dividend yield (TTM, derived)
      3.59%
      Buyback program · as of Jun 30, 2026
      Authorized
      $500.00M
      Spent (derived)
      $195.80M
      Remaining
      $304.20M
      Spent Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 860748 CUSIP 488401100 13F (30d) 270 filings 257 filers Visit website Investor relations

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