Kemper (KMPR) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

May 05, 2026

Before Open (Confirmed)

Period Ending

2026 (Q1)

Consensus EPS Forecast

0.98

Last Year’s EPS

1.65

Same Quarter Last Year

Analyst Consensus

Moderate Sell

Based on 3 Analysts Ratings

Earnings Call Summary

Q4 2025

Earnings Call Date:Feb 04, 2026|

% Change Since:

Earnings Call Sentiment|Neutral

The call conveyed a balanced message: near-term financial and underwriting challenges in Specialty Auto (notably California severity, Florida refunds, reserve strengthening, a combined ratio >100% and year-over-year declines in policies and premiums) materially pressured results and produced a GAAP loss. Offsetting strengths include a very strong operating cash flow stream ($585M TTM), ample liquidity (> $1B), debt reduction and buybacks, a stable and growing Life segment, progress on restructuring with $33M of annualized run-rate savings, strong commercial auto performance, and promising product pilots that improve competitiveness and support geographic diversification. Management is taking deliberate actions (rate filings, claims/underwriting improvements, new products, expense reductions) but timing and regulatory approvals create near-term uncertainty. Given the weight of both substantive positives and material near-term negatives, the overall tone is cautious and execution-focused.

Company Guidance

Management guided that it is taking targeted actions to restore Specialty Auto profitability and reduce volatility after Q4 FY2025 results that included a $8M net loss ($0.13/sh), adjusted consolidated net operating income of $14.6M ($0.25/sh), a -1.2% ROE, and 4.6% y/y book value per share growth, supported by $585M trailing‑12‑month operating cash flow and >$1B available liquidity. Key metrics and actions: Specialty P&C underlying combined ratio rose 5.4 pts sequentially to 105% (ex‑Florida refunds 101.2%); Florida statutory refunds (~$35M) added 3.8 pts; personal auto ~105% (California ~105%; Florida/Texas ~95–97%), commercial auto ~90% with double‑digit policy growth, prior‑year adverse development ~3.8 pts; policies in force and written premium were down 7.3% and 9.3% y/y. They recognized $15.5M of restructuring/integration charges this quarter, reported cumulative annualized run‑rate savings of ~$33M (up $3M), retired $450M of debt and repurchased ~$300M of stock over the past year (debt‑to‑capital 24.6%, long‑term target ~22%), quarterly net investment income $103M (down $2M), Life adjusted NOI $20M with $19.6B face in force and avg premium per policy issued +6%, and a Jan 1 reinsurance CAT XL providing 95% coverage in excess of $50M up to $160M (limit $15M lower y/y). Management expects California rate filings (filed ~6.9% overall with BI increases north of 40 pts) to earn in over subsequent 6–12 months, continued reserve actions where needed, and near‑term shrinkage in CA while accelerating profitable growth in non‑CA states.

Strong operating cash flow and liquidity

Trailing 12-month operating cash flow of $585 million; maintained over $1 billion in available liquidity at quarter end; used operating cash flow to retire $450 million of debt and repurchase approximately $300 million of common stock; debt-to-capital improved 6.4 percentage points to 24.6%.

Life segment stability and growth in unit economics

Life adjusted net operating income of $20 million for the quarter; earned premiums stable year-over-year; face value of in-force business approximately $19.6 billion; average premium per policy issued increased 6%; favorable policy economics and expanded product/distribution activity driving reliable distributable cash flow.

Restructuring progress and expense savings

Recorded $15.5 million restructuring, integration and other costs this quarter tied to announced initiatives; cumulative annualized run-rate cost savings now approximately $33 million (up $3 million sequentially) with expectations for further savings.

Commercial auto performance and growth

Commercial auto underlying combined ratio around 90% with double-digit policy growth; management reports strong underlying margins, consistent results, and the ability to opportunistically increase rates for liability where justified.

New personal auto product pilots improving competitiveness

Piloted updated personal auto product in Arizona and Oregon with segmentation delivering roughly a 30-point improvement in competitiveness; plans to roll out in Florida and Texas within the next few quarters pending regulatory approvals to accelerate geographic diversification.

High-quality investment portfolio supporting earnings

Quarterly net investment income of $103 million (down $2 million sequentially due to alternatives); core investment portfolio described as high-quality and well-diversified with gradually increasing reinvestment yields expected to support future income.

Reduced catastrophe exposure and aligned reinsurance

Jan 1, 2026 reinsurance renewal provides 95% coverage for losses in excess of $50 million up to $160 million; total limit modestly lower (by $15 million) reflecting wind-down of preferred business — management notes catastrophe exposure is meaningfully lower than several years ago.

Kemper (KMPR) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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KMPR Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
May 05, 2026	2026 (Q1)	0.98 / -	1.65	―	―	―
Feb 04, 2026	2025 (Q4)	0.87 / 0.25	1.78	-85.96% (-1.53)
Nov 05, 2025	2025 (Q3)	1.34 / 0.33	1.62	-79.63% (-1.29)
Aug 05, 2025	2025 (Q2)	1.52 / 1.30	1.42	-8.45% (-0.12)
May 07, 2025	2025 (Q1)	1.49 / 1.65	1.07	54.21% (+0.58)
Feb 05, 2025	2024 (Q4)	1.34 / 1.78	0.78	128.21% (+1.00)
Oct 30, 2024	2024 (Q3)	1.34 / 1.62	-0.44	468.18% (+2.06)
Aug 05, 2024	2024 (Q2)	1.28 / 1.42	-0.26	646.15% (+1.68)
May 01, 2024	2024 (Q1)	1.09 / 1.07	-1.02	204.90% (+2.09)
Feb 01, 2024	2023 (Q4)	0.72 / 0.78	-0.41	290.24% (+1.19)

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
Feb 04, 2026	$38.50	―	―
Nov 05, 2025	$42.63	$36.53	-14.31%
Aug 05, 2025	$61.12	$48.13	-21.25%
May 07, 2025	$60.94	$61.80	+1.41%

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 May 05, 2026, Before Open (Confirmed).

What is Kemper Corp (KMPR) earnings time?

Kemper Corp (KMPR) earnings time is at May 05, 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 (Q1) is 0.98.