Kemper Corporation (KMPR)
NYSEFinancialsInsurance - Property & CasualtySnapshot 2026-11-05
$35.33-1.20%
Close 2026-11-05 · 1-day change
NYSEFinancialsInsurance - Property & CasualtySnapshot 2026-11-05
QuarterlyIQ Insights · KMPR
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -60.1% |
| Our one-year growth estimate | diamond | -7.9% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 52.2 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 30 industry peers · Company calendar date is not available
KMPR — President transition
Dated 2026-07-21
Executive Vice President and President, Kemper Auto — Matthew A. Hunton: Mr. Hunton was terminated by the Company without cause.
Why it matters: Higher claim costs and claim counts hurt Personal Auto results. Kemper named both as a source of pressure in California.
Supportive ifKemper reports a lower Personal Auto underlying loss and LAE ratio than Q2's 83.8%. It cites lower California claim costs or counts.
Worry ifThe Personal Auto underlying loss and LAE ratio rises above 83.8%. California claim costs or counts remain a cited cause.
Why it matters: The early release shows a sharp rebound. The full report can confirm earnings and what drove them.
Watch forThe full report confirms adjusted operating income near $60 million. It shows one-time items did not drive most of the Q3 gain.
Also watch forThe full report puts adjusted operating income below $50 million. Or, one-time items drove most of the gain.
Why it matters: A ratio below 100% means this business earns money from its insurance work before other items. Q3 was still above that mark.
Supportive ifA later report puts the Specialty Auto Underlying Combined Ratio below 100%. That is down from Q3's 101.7%.
Worry ifThe ratio rises above 102% or stays at or above Q3's 101.7% for two straight quarters.
Why it matters: Kemper said it had identified $60 million in yearly savings and taken $50 million in actions. The next update can show if it completes the plan.
Supportive ifKemper reports steps on the full $60 million savings plan. Insurance and Other Expenses fall below Q2's $272.4 million.
Worry ifKemper reports no new steps on the $60 million plan, or Insurance and Other Expenses rise above Q2's $272.4 million.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$186 on $10,000 · ±1.9% | How much price usually moves either way. |
| Bad day | $452 loss on $10,000 · 4.5% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $4,527 loss on $10,000 · 45.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.