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Sentiment · FY2026 Q1
| Analyst | Firm | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Andy Kligerman | TD Cowen | 15 | 47% |
| Brian Meredith | UBS | 14 | 43% |
| Greg Peters | Raymond James | 8 | 13% |
| Paul Newsome | Piper Sandler | 8 | 13% |
| Mitch Rubin | Raymond James | 7 | 0% |
| Firm | Analysts | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Raymond James | 2 | 15 | 7% |
| TD Cowen | 1 | 15 | 47% |
| UBS | 1 | 14 | 43% |
| Piper Sandler | 1 |
| 8 |
| 13% |
Kemper reported a Q1 2026 GAAP net loss of $1.7 million or $0.03 per share as California personal auto remained the primary headwind and Florida statutory refunds continued impacting results. Commercial auto delivered a record quarter exceeding $1 billion in trailing twelve-month written premium, and restructuring savings of $60 million were being targeted. Excluding Florida refunds, adjusted net operating income was $34.6 million or $0.59 per share, and profitable PIF growth was resuming in Florida and Texas. Social inflation headwinds persisted industry-wide.
Margin | Competitive Dynamics | Pricing | Subscriber Growth | Regulation Policy | Geographic Expansion | Capital Allocation | Credit | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 3 | 3 | 2 | 1 | 3 | 2 | 1 | 1 |
| 2025Q1 | 2 | 3 | 3 | 2 | 2 | 2 | 1 | |
| 2025Q2 | 3 | 1 | 2 | 2 | 1 | 1 | 1 | |
| 2025Q3 | 4 | 2 | 1 | 1 | 1 | 1 | 1 | |
| 2025Q4 | 4 | 1 | 2 | 2 | 1 | 2 | 2 | 1 |
| 2026Q1 | 1 | 2 | 1 | 1 | 1 | 1 | 1 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| Margin | 3 | 2 | 3 | 4 | 4 | 1 |
| Competitive Dynamics | 3 | 3 | 1 | 2 | 1 | 2 |
| Pricing | 2 | 3 | 2 | 1 | 2 | 1 |
| Subscriber Growth | 1 | 2 | 2 | 1 | 2 | 1 |
| Regulation Policy | 3 | 2 | 1 | 1 | 1 | |
| Geographic Expansion | 2 | 2 | 1 | 2 | ||
| Capital Allocation | 1 | 1 | 1 | 1 | 2 | 1 |
| Credit | 1 | 1 | 1 | 1 | 1 |
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
KMPR Kemper Corporation | 2 | -6.8% | |
| ALL Allstate | 7 | +4.2% | |
| CB Chubb Limited | 7 | +9.5% | |
| CINF Cincinnati Financial | 7 | +11.6% | |
| ERIE Erie Indemnity | 6 | +2.3% | |
| L Loews Corporation | 5 | +2.6% | |
| LMND Lemonade, Inc. | 9 | +55.0% | |
| MCY Mercury General Corporation | 8 | +10.5% | |
| PGR Progressive Corporation | 7 | +8.7% | |
| ROOT Root, Inc. | 8 | +12.6% | |
| TRV The Travelers Companies, Inc. | 5 | +1.0% | |
| WRB W. R. Berkley Corporation | 6 | +4.0% |