---
schema_version: "secwatch.filing_event.v1"
accession: "0000860748-22-000170"
form_type: "8-K"
ticker: "KMPR"
cik: "0000860748"
company_name: "KEMPER Corp"
filed_at: "2022-11-02T23:59:59+00:00"
generated_at: "2026-06-22T16:19:11.864362+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Kemper reports Q3 net loss of $76.2M ($1.19 per share); adjusted net operating loss narrows to $30.5M

## Summary
- Net loss of $76.2M ($1.19 diluted EPS) vs $75.3M loss in Q3 2021.
- Adjusted net operating loss narrowed to $30.5M ($0.48 per share) from $75.8M loss a year ago.
- Filed additional 16% rate increase in Specialty P&C Personal Auto on 7% of book; rate actions ahead of schedule.
- Announced restructuring, offshore captive enabling $300M dividend, and transformation to fee-based reciprocal model.
- Declared dividend of $0.31 per share; total liquidity $1.4B.

## SEC filing metadata
- accession: 0000860748-22-000170
- form_type: 8-K
- ticker: KMPR
- cik: 0000860748
- company_name: KEMPER Corp
- filed_at: 2022-11-02T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/860748/000086074822000170/0000860748-22-000170-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/860748/000086074822000170/kmpr-20221102.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000860748-22-000170
- JSON: https://secwatch.observer/filing/0000860748-22-000170.json
- Plain text: https://secwatch.observer/filing/0000860748-22-000170.txt

## Key facts
- Earnings Releases
  KEMPER Corp reported the third quarter of 2022 results: net income $76.2 million, or $(1.19) per diluted share.
  - Period: the third quarter of 2022
  - Net income: $76.2 million, or $(1.19) per diluted share
  - Result: reported results
  source text: Kemper Corporation (NYSE: KMPR) reported a net loss of $76.2 million, or $(1.19) per diluted share, for the third quarter of 2022
  evidence_url: https://www.sec.gov/Archives/edgar/data/860748/000086074822000170/0000860748-22-000170-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.