{"schema_version":"secwatch.filing_event.v1","accession":"0000860748-23-000176","form_type":"8-K","ticker":"KMPR","cik":"0000860748","company_name":"KEMPER Corp","filed_at":"2023-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.176921+00:00","generated_at":"2026-06-09T17:50:43.139844+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Kemper prelim Q3 net loss $140M-$150M; reaffirms 2024 ROE of 10%+","bullets":["Estimated Q3 2023 net loss $140-150M; adjusted net operating loss $25-35M.","Includes $56M after-tax pension termination charge and $25M net realized investment losses.","Kemper Auto combined ratio 109.9%; unfavorable prior year reserve development $78M, mainly Florida PIP.","Parent liquidity ~$800M; anticipate $250M+ Life dividend to parent in Q4 2023 from Bermuda optimization.","Reaffirms 2024 ROE guidance of 10% or greater; cost initiatives on track."],"urls":{"canonical":"https://secwatch.observer/filing/0000860748-23-000176","json":"https://secwatch.observer/filing/0000860748-23-000176.json","markdown":"https://secwatch.observer/filing/0000860748-23-000176.md","text":"https://secwatch.observer/filing/0000860748-23-000176.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/860748/000086074823000176/0000860748-23-000176-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/860748/000086074823000176/kmpr-20231023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T17:50:43.139844+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"5e85a934c03c8c0eacc66a187b0f80427d0f3c95","claim":"KEMPER Corp reported the third quarter of 2023 results: net income net loss between $140 million and $150 million.","evidence_excerpt":"Kemper Corporation (“Kemper” or the “Registrant”) issued a press release announcing the schedule for its third quarter 2023 earnings release and its preliminary results for the third quarter of 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/860748/000086074823000176/0000860748-23-000176-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third quarter of 2023"},{"label":"Net income","value":"net loss between $140 million and $150 million"},{"label":"Result","value":"preliminary results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}