Kemper Corp (KMPR)
NYSE:KMPR
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Earnings Data
Report Date
Aug 10, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.65Last Year’s EPS
1.3Same Quarter Last Year
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The call presented a mixed picture: underlying businesses (Commercial Auto, Life) and strategic actions (product rollout, restructuring, $60M identified savings) show tangible progress and profitable pockets of growth, but near-term results were materially impacted by California personal auto loss trends and Florida statutory premium refunds, producing a small GAAP loss. Management has clear remediation plans (rate filings, claims/process improvements, diversification) but expects meaningful improvement to take time.Company Guidance
Commercial Auto Record Production and Strong Growth
Commercial Auto delivered record production, exceeded $1.0 billion in trailing 12-month written premium for the first time; policies in force +3.2% sequentially and +10% year-over-year, with a strong underlying combined ratio of 92.4% and ~23% annual growth since 2019.
Underlying Profitability Excluding Florida Refunds
Adjusted consolidated net operating income was $12.5 million ($0.21 per share). Excluding the impact of Florida statutory refunds, adjusted net operating income would have been $34.6 million ($0.59 per share), highlighting underlying business profitability.
Life Segment Stability and Contribution
Life segment produced adjusted net operating income of $18 million; in-force face value ~ $19.7 billion. Average premium per policy issued rose ~7%, supported by favorable mortality/lapse experience and expense management.
Restructuring and Cost-Savings Progress
Management identified approximately $60 million of cumulative run-rate savings from restructuring, with ~$50 million already actioned; medium-term goal to reduce Specialty Auto expense ratio below 20% from ~22% today.
Product Innovation and Geographic Diversification
New BVP product showing encouraging early results (AZ, OR); launched in Florida late Q1 and approved for rollout in Texas. Florida and Texas personal auto policies in force rose 4.9% sequentially with an underlying combined ratio of 93.7%, supporting portfolio rebalancing away from California concentration.
Investment Income and Operational Modernization
Net investment income was $107 million, up $4 million sequentially (driven by alternatives). Company continues investments in digital agent/customer tools, cloud migration and a third-party claims process review to target loss/LAE improvements and scalability.
KMPR Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
KMPR Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
May 06, 2026 | $32.77 | ― | ― |
Feb 04, 2026 | $38.12 | $33.13 | -13.09% |
Nov 05, 2025 | $41.85 | $35.86 | -14.31% |
Aug 05, 2025 | $60.00 | $47.25 | -21.26% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Kemper Corp (KMPR) report earnings?
Kemper Corp (KMPR) is schdueled to report earning on Aug 10, 2026, Before Open (Confirmed).
What is Kemper Corp (KMPR) earnings time?
Kemper Corp (KMPR) earnings time is at Aug 10, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is KMPR EPS forecast?
KMPR EPS forecast for the fiscal quarter 2026 (Q2) is 0.65.