Kemper
Provides specialty auto and life insurance through agents and brokers.
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Profile
Provides specialty auto and life insurance under the Kemper Auto and Kemper Life brands. Distribution through agents and brokers connects personalized insurance solutions with individuals, families, and businesses.
Specialty auto and life insurance are provided under the Kemper Auto and Kemper Life brands. The portfolio serves individuals, families, and businesses with affordable, easy-to-use personalized insurance solutions.
Agents and brokers represent the distribution model, connecting the brands with policyholders. The model centers on insurance products sold through that external distribution network.
Operations have been refocused around specialty auto and life products after the exit from Preferred Property & Casualty. The former Newins captive-agent and storefront distribution operation was sold to Confie.
The public holding company began as a Teledyne spin-off in 1990 and adopted the Kemper name in 2011. Its current business structure depends on agent and broker distribution alongside the Kemper Auto and Kemper Life brands.
Company facts
Key statistics
Year to date −29.3% · Average volume (30d) 846.3K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 10, 2026 | UBS | Reiterate | Buy | $44 | $43 | |
| May 11, 2026 | UBS | Reiterate | Buy | $48 | $44 | |
| May 7, 2026 | Piper Sandler | Reiterate | Underweight | $80 | $28 | |
| Apr 8, 2026 | UBS | Reiterate | Buy | $56 | $48 | |
| Feb 9, 2026 | UBS | Target | $56 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 5, 2026Q2 FY26 | $0.34 | $0.45 | +31.8% | $1.16B | $1.09B | −6.2% | +1.91% |
| May 6, 2026Q1 FY26 | $0.81 | $0.21 | −74.1% | $1.17B | $1.11B | −5.4% | −10.28% |
| Feb 4, 2026Q4 FY25 | $0.85 | $0.25 | −70.6% | $1.18B | $1.13B | −4.5% | −13.09% |
| Nov 5, 2025Q3 FY25 | $1.33 | $0.33 | −75.2% | $1.22B | $1.24B | +1.6% | −14.31% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $1.19B | $1.23B | $1.24B | $1.14B | $1.11B | $1.09B | |
| Gross profit | $136.6M | $100.8M | −$500.0K | $281.3M | $280.1M | $1.09B | |
| Operating income | $119.8M | $87.5M | −$33.1M | −$13.5M | −$7.9M | −$467.0M | |
| Net income | $99.7M | $72.6M | −$21.0M | −$8.0M | −$1.7M | −$464.8M | |
| Diluted EPS | $1.54 | $1.12 | −$0.34 | −$0.14 | −$0.03 | −$7.90 | |
| Gross margin | 11.5% | 8.2% | -0.0% | 24.8% | 25.3% | 100.0% | |
| Operating margin | 10.1% | 7.1% | -2.7% | -1.2% | -0.7% | -42.7% |
Fiscal years (4-quarter sums)FY21 $5.69B · FY22 $5.45B · FY23 $4.91B · FY24 $4.63B · FY25 $4.79B
Balance sheet, Jun 30, 2026Cash & short-term investments — · Total debt $944.5M · Total assets $11.93B · Shareholders' equity $2.19B
Dividends
Raised for 16 straight years — most recently to $0.32 from $0.31 in Feb 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 21, 2026 | Aug 21 | Sep 4 | $0.32 | |
| May 18, 2026 | May 18 | Jun 2 | $0.32 | |
| Feb 17, 2026 | Feb 17 | Mar 3 | $0.32 | |
| Nov 17, 2025 | Nov 17 | Dec 3 | $0.32 | |
| Aug 18, 2025 | Aug 18 | Sep 2 | $0.32 | |
| May 19, 2025 | May 19 | Jun 3 | $0.32 | |
| Feb 18, 2025 | Feb 18 | Mar 4 | $0.32 | raised from $0.31 |
| Nov 18, 2024 | Nov 18 | Dec 4 | $0.31 |
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 58.87M · Float 58.19M · 98.8% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 8.43M | 14.32% | 13F | Aug 7, 2026 |
| Fuller & Thaler Asset Management, Inc. | 3.78M | 6.43% | 13F | Aug 12, 2026 |
| Vanguard Portfolio Management LLC | 3.62M | 6.14% | 13F | Aug 13, 2026 |
| AQR Capital Management LLC | 3.32M | 5.64% | 13F | Aug 14, 2026 |
| State Street Corp | 2.84M | 4.82% | 13F | Aug 7, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 13, 2026 | Stephen J. McAnena | officer: President and CEO | +3,000 | $26.50 |
| Aug 11, 2026 | Carl Thomas Jr. Evans | officer: EVP, Sec. & General Counsel | +1,000 | $26.53 |
| Aug 11, 2026 | Bradley T. Camden | officer: EVP and CFO | +1,000 | $26.34 |
| Aug 11, 2026 | Gerald Laderman | director | +4,000 | $26.49 |
| Aug 10, 2026 | Jason N. Gorevic | director | +5,000 | $25.91 |
Peers
- Progressive
Large personal and commercial auto insurer
- Allstate
National General and Direct Auto overlap in auto insurance
- Root
Technology-led personal auto insurer
- Globe Life
Individual life and supplemental-health insurer
- Primerica
Term-life insurer for consumers with modest savings
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Kemper | $27.93 | 0.00% | $1.64B | — | 8.9 | 0.4 | −11.0% |
| Progressive | $217.33 | −0.61% | $127.12B | 11.0 | 13.3 | 1.4 | −4.2% |
| Allstate | $260.58 | −0.03% | $67.08B | 5.2 | 9.2 | 1.0 | −7.2% |
| Root | $57.00 | +0.81% | $791.2M | 16.7 | 22.4 | 0.5 | +1.7% |
| Globe Life | $172.79 | +0.05% | $13.42B | 11.4 | 10.4 | 2.2 | +8.0% |
| Primerica | $290.39 | +0.07% | $9.06B | 11.7 | 11.2 | 2.7 | +9.0% |
| Median | 11.4 | 11.2 | 1.4 | +1.7% |