KMPR · KEMPER Corp
Price & Indicators
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Metrics snapshot
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AI Brief
Q2 FY26 earnings call · Aug 6, 2026TL;DR. Kemper reported a $464.8M GAAP net loss driven by a $460M non-cash goodwill impairment and a $16.6M after-tax credit loss allowance, while underlying operations improved sequentially with personal auto combined ratio improving and commercial auto underlying combined ratio of 93.7%; however, management is tempering near-term personal auto PIF growth and signaled more measured commercial auto growth given successive quarters of prior-year reserve development.
- + Personal auto underlying combined ratio improved 1.3 points sequentially from 106.5% to 105.2%
- + California share of personal auto declined 2.5 percentage points with 10% sequential PIF reduction
- + Restructuring program delivered $80M+ in cumulative annualized run-rate savings, up $20M from prior quarter
- + Life insurance adjusted net operating income rose to $18.3M from $12.6M year-over-year with earned premiums up to $103M
- − Reported a $464.8M net loss largely driven by a $460M non-cash goodwill impairment in specialty auto segment
- − Recorded a $16.6M after-tax credit loss allowance on Reciprocal Exchange surplus notes
- − Commercial auto posted $17.7M of prior-year reserve development, the fifth consecutive quarter of adverse development
- − Personal auto normalized underlying combined ratio remains unprofitable at 105.2%, and California PIF was cut 10% sequentially
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Strong SellIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
Versus peers
Insurance - Property & Casualty — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
KMPR
this stock
KEMPER Corp
|
$1.49B | -36.7% | +3.3% | — | 8.9% |
|
CB
Chubb Ltd
|
$128.80B | +6.0% | +6.5% | 11.8 | 0.9% |
|
PGR
Progressive Corp/Oh/
|
$119.47B | -7.6% | +16.3% | 10.3 | 1.1% |
|
TKOMY
Tokio Marine Holdings, Inc.
|
$100.71B | +35.0% | — | — | 0.0% |
|
TRV
Travelers Companies, Inc.
|
$75.72B | +24.2% | +5.2% | 9.8 | 3.0% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| KMPR | +1.4% | -10.5% | -20.0% | +2.7% | -36.7% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | +1.6% | -10.1% | -32.2% | +1.8% | -49.5% |
Capital returns
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.