---
schema_version: "secwatch.filing_event.v1"
accession: "0000860748-23-000042"
form_type: "8-K"
ticker: "KMPR"
cik: "0000860748"
company_name: "KEMPER Corp"
filed_at: "2023-02-02T23:59:59+00:00"
generated_at: "2026-06-20T03:07:13.955326+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Kemper reports Q4 net loss of $55.5M; adjusted net operating loss improves to $26.6M

## Summary
- Net loss of $55.5M ($0.87 diluted loss) improved from $105.8M loss ($1.66) in Q4 2021.
- Adjusted Consolidated Net Operating Loss narrowed to $26.6M ($0.41) from $130.8M ($2.05) YoY.
- Filed additional rate increases: 20% on 58% of Specialty P&C personal auto book; 16% on 15% of Preferred auto book.
- Restructuring program achieved $61M run-rate savings; declared $0.31 per share quarterly dividend.
- Completed divestiture of Kemper Health; initial reciprocal exchange filing submitted to Illinois DOI.

## SEC filing metadata
- accession: 0000860748-23-000042
- form_type: 8-K
- ticker: KMPR
- cik: 0000860748
- company_name: KEMPER Corp
- filed_at: 2023-02-02T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/860748/000086074823000042/0000860748-23-000042-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/860748/000086074823000042/kmpr-20230202.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000860748-23-000042
- JSON: https://secwatch.observer/filing/0000860748-23-000042.json
- Plain text: https://secwatch.observer/filing/0000860748-23-000042.txt

## Key facts
- Earnings Releases
  KEMPER Corp reported the fourth quarter of 2022 results: net income $(0.87) per diluted share, EPS $(0.87) per diluted share.
  - Period: the fourth quarter of 2022
  - Net income: $(0.87) per diluted share
  - EPS: $(0.87) per diluted share
  - Result: reported results
  source text: Kemper Corporation (NYSE: KMPR) reported a net loss of $55.5 million, or $(0.87) per diluted share, for the fourth quarter of 2022
  evidence_url: https://www.sec.gov/Archives/edgar/data/860748/000086074823000042/0000860748-23-000042-index.htm

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