---
schema_version: "secwatch.filing_event.v1"
accession: "0000860748-23-000007"
form_type: "8-K"
ticker: "KMPR"
cik: "0000860748"
company_name: "KEMPER Corp"
filed_at: "2023-01-26T23:59:59+00:00"
generated_at: "2026-06-20T08:52:36.296191+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Kemper preliminary Q4 2022 net loss $50-65M; combined ratios >100%

## Summary
- Estimated Q4 net loss of $50-65M; adjusted net operating loss $25-35M.
- Q4 combined ratios: Kemper Auto 109%, Kemper Personal Insurance 111%.
- Adverse prior year reserve development of $8M in Q4; total favorable $17M for year.
- Catastrophe losses for Q4: $9M.
- Full year combined ratios: Auto 108%, Personal Insurance 114%.

## SEC filing metadata
- accession: 0000860748-23-000007
- form_type: 8-K
- ticker: KMPR
- cik: 0000860748
- company_name: KEMPER Corp
- filed_at: 2023-01-26T23:59:59+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/860748/000086074823000007/0000860748-23-000007-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/860748/000086074823000007/kmpr-20230126.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000860748-23-000007
- JSON: https://secwatch.observer/filing/0000860748-23-000007.json
- Plain text: https://secwatch.observer/filing/0000860748-23-000007.txt

## Key facts
- Earnings Releases
  KEMPER Corp reported the fourth quarter of 2022 results: net income an estimated net loss between $50 million and $65 million.
  - Period: the fourth quarter of 2022
  - Net income: an estimated net loss between $50 million and $65 million
  - Result: preliminary results
  source text: Preliminary results for the fourth quarter of 2022 include an estimated net loss between $50 million and $65 million and an estimated adjusted consolidated net operating loss between $25 million and $35 million.
  evidence_url: https://www.sec.gov/Archives/edgar/data/860748/000086074823000007/0000860748-23-000007-index.htm

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