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Sentiment · FY2026 Q2
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.
| Analyst | Firm | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Andrew Kligerman | TD Cowen | 17 (47%) |
| Brian Meredith | UBS | 14 (43%) |
| Greg Peters | Raymond James | 10 (10%) |
| Paul Newsome | Piper Sandler | 10 (10%) |
| Mitch Rubin | Raymond James | 7 (0%) |
| Firm | Analysts | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Raymond James | 2 | 17 (6%) |
| TD Cowen | 1 | 17 (47%) |
| UBS | 1 | 14 (43%) |
| Piper Sandler | 1 |
| 10 (10%) |
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 |
| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Op margin | Net margin |
|---|---|---|---|---|---|---|
| FY2024 Q4 | $1.18B | +0.3% | $1.51 | +88.8% | 10.1% | 8.2% |
| FY2025 Q1 | $1.19B | +4.2% | $1.54 | +40.0% | 10.1% | 8.4% |
| FY2025 Q2 | $1.23B | +7.8% | $1.12 | -3.4% | 7.1% | 5.9% |
| FY2025 Q3 | $1.24B | +5.7% | $-0.34 | -129.8% | -2.7% | -1.7% |
| FY2025 Q4 | $1.14B | -4.0% | $-0.14 | -109.3% | -1.2% | -0.7% |
| FY2026 Q1 | $1.11B | -6.8% | $-0.03 | -101.9% | -0.7% | -0.2% |
| FY2026 Q2 | $1.09B | -11.0% | $-7.90 | -805.4% | -42.7% | -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).
| 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% | |
| FACO First Acceptance Corporation | 5 | -5.4% | |
| 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% |