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Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
| Analyst | Firm | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Andrew Kligerman | TD Cowen | 17 questions · 47% challenging |
| Brian Meredith | UBS | 14 questions · 43% challenging |
| Greg Peters | Raymond James | 10 questions · 10% challenging |
| Paul Newsome | Piper Sandler | 10 questions · 10% challenging |
| Mitch Rubin | Raymond James | 7 questions · 0% challenging |
| Firm | Analysts | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Raymond James | 2 analysts | 17 questions · 6% challenging |
| TD Cowen | 1 analyst | 17 questions · 47% challenging |
| UBS | 1 analyst | 14 questions · 43% challenging |
| Piper Sandler | 1 analyst | 10 questions · 10% challenging |
Matthew Hunton departs as EVP and President, Kemper Auto effective August 3, 2026; the company terminated him without cause, with severance under the existing executive plan.
What each event means for KMPR’s sentiment score is part of Tellvest Pro.
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 | Capital Allocation | Geographic Expansion | Credit | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 3 | 3 | 2 | 1 | 3 | 1 | 2 | 1 |
| 2025Q1 | 2 | 3 | 3 | 2 | 2 | 1 | 2 | |
| 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 | |
| Capital Allocation | 1 | 1 | 1 | 1 | 2 | 1 |
| Geographic Expansion | 2 | 2 | 1 | 2 | ||
| Credit | 1 | 1 | 1 | 1 | 1 |
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| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Net margin |
|---|---|---|---|---|---|
| FY2024 Q4 | $1.19B | -0.0% | $1.51 | +88.8% | 8.2% |
| FY2025 Q1 | $1.19B | +4.4% | $1.54 | +40.0% | 8.4% |
| FY2025 Q2 | $1.23B | +8.5% | $1.12 | -3.4% | 5.9% |
| FY2025 Q3 | $1.24B | +5.2% | $-0.34 | -129.8% | -1.7% |
| FY2025 Q4 | $1.13B | -4.7% | $-0.13 | -108.6% | -0.7% |
| FY2026 Q1Selected | $1.11B | -7.2% | $-0.03 | -101.9% | -0.2% |
| FY2026 Q2 | $1.09B | -10.8% | $-7.90 | -805.4% | -42.5% |
Management’s own words, often on a non-GAAP, constant-currency, or adjusted basis — so these can differ from the GAAP figures above (e.g. constant-currency revenue growth excludes currency swings).
Calendar quarter Q1 2026Earnings call May 6, 2026
FY2026 Q1 in brief
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.
Newest quarter FY2026 Q2 is part of Pro · see what Pro adds →
GAAP revenue YoY -6.82% → base 3. The base score is anchored to the GAAP revenue YoY band before transcript, EPS, and guidance adjustments.
Sources. Tellvest earnings-call sentiment score for Kemper Corporation (KMPR), FY2026 Q1: 2/10. Scores: Kemper Corporation’s public earnings-call transcripts and SEC-reported results — the base band is anchored to reported GAAP revenue growth; transcript, EPS and guidance adjustments are applied separately (documented exceptions apply to a few issuers). Price: KMPR daily closing prices for the trailing year; dots mark earnings calls, colored by that quarter’s score; the newest quarter’s score is part of Tellvest Pro. How to read a company earnings-call score.
| Company | Score | Trend | Rev YoY | Headline |
|---|---|---|---|---|
| KMPRKemper Corporation | 2 | -6.8% | California Personal Auto Remains Primary Headwind | |
| AIZAssurant | 8 | +11.3% | Assurant delivered its strongest first quarter on record, with total revenue up 11% and adjusted EBITDA up 6% and adjusted EPS up 9%, both excluding reportable catastrophes | |
| ALLAllstate | 7 | +4.2% | Allstate delivered Q1 revenue of $16.9 billion up 3% with adjusted EPS of $10.65 as the underlying combined ratio improved 2.8 points to 80.3% and the recorded combined ratio reached 82% with underwriting income of $2.7 billion | |
| CBChubb Limited | 7 | +9.5% | Excellent P&C underwriting at 84% combined ratio | |
| CINFCincinnati Financial | 7 | +11.6% | Non-GAAP operating income surges to $330M from Q1 loss | |
| LLoews Corporation | 5 | +2.6% | CNA reserve charge and higher underlying loss ratio drive earnings decline | |
| LMNDLemonade, Inc. | 9 | +55.0% | Lemonade extended its growth acceleration streak to 10 consecutive quarters with IFP reaching $1.33 billion (+32% YoY), while the QS reinsurance transition propelled revenue up 71% to $258 million and gross profit up 159% to $100 million | |
| MCYMercury General Corporation | 8 | +10.5% | Mercury General's Q1 2026 demonstrated the underlying strength of the franchise with a combined ratio of 89.3% and net income of $190 million ($3.44 per share), a dramatic reversal from the prior-year Q1 net loss of $108 million during the wildfire catastrophe | |
| PGRProgressive Corporation | 7 | +8.7% | Progressive delivered 8.7% revenue growth with extraordinary profitability, maintaining personal auto combined ratios below 90 in nine of the last ten quarters | |
| ROOTRoot, Inc. | 8 | +12.6% | Root delivered its most profitable quarter ever with $36 million in net income and an annualized ROE of 47%, reversing the prior quarter's expectation of lower 2026 net income | |
| TRVThe Travelers Companies, Inc. | 5 | +1.0% | Travelers delivered record underwriting income with a core ROE of 19.7%, generating $1.7 billion in core income as the combined ratio remained excellent at 88.6% despite elevated catastrophe activity | |
| WRBW. R. Berkley Corporation | 6 | +4.0% | Record Net Investment Income Drives Earnings Growth |
California Personal Auto Remains Primary Headwind
Assurant delivered its strongest first quarter on record, with total revenue up 11% and adjusted EBITDA up 6% and adjusted EPS up 9%, both excluding reportable catastrophes
Allstate delivered Q1 revenue of $16.9 billion up 3% with adjusted EPS of $10.65 as the underlying combined ratio improved 2.8 points to 80.3% and the recorded combined ratio reached 82% with underwriting income of $2.7 billion
| Company | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 |
|---|---|---|---|---|---|---|
| KMPR | 6 | 7 | 5 | 5 | 3 | 2 |
| AIZ | 8 | 7 | 7 | 8 | 7 | 8 |
| ALL | 8 | 6 | 7 | 7 | 6 | 7 |
| CB | 6 | 5 | 7 | 8 | 7 | 7 |
| CINF | 9 | 6 | 8 | 8 | 6 | 7 |
| L | 7 | 5 | 6 | 7 | 7 | 5 |
| LMND | 9 | 8 | 9 | 9 | 9 | 9 |
| MCY | 6 | 6 | 8 | 7 | 7 | 8 |
| PGR | 8 | 8 | 9 | 7 | 7 | 7 |
| ROOT | 9 | 9 | 9 | 7 | 7 | 8 |
| TRV | 8 | 7 | 8 | 8 | 7 | 5 |
| WRB | 9 | 6 | 6 | 7 | 4 | 6 |
Non-GAAP operating income surges to $330M from Q1 loss
CNA reserve charge and higher underlying loss ratio drive earnings decline
Lemonade extended its growth acceleration streak to 10 consecutive quarters with IFP reaching $1.33 billion (+32% YoY), while the QS reinsurance transition propelled revenue up 71% to $258 million and gross profit up 159% to $100 million
Mercury General's Q1 2026 demonstrated the underlying strength of the franchise with a combined ratio of 89.3% and net income of $190 million ($3.44 per share), a dramatic reversal from the prior-year Q1 net loss of $108 million during the wildfire catastrophe
Progressive delivered 8.7% revenue growth with extraordinary profitability, maintaining personal auto combined ratios below 90 in nine of the last ten quarters
Root delivered its most profitable quarter ever with $36 million in net income and an annualized ROE of 47%, reversing the prior quarter's expectation of lower 2026 net income
Travelers delivered record underwriting income with a core ROE of 19.7%, generating $1.7 billion in core income as the combined ratio remained excellent at 88.6% despite elevated catastrophe activity
Record Net Investment Income Drives Earnings Growth