---
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"
generated_at: "2026-06-09T17:50:43.139844+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Kemper prelim Q3 net loss $140M-$150M; reaffirms 2024 ROE of 10%+

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000860748-23-000176
- JSON: https://secwatch.observer/filing/0000860748-23-000176.json
- Plain text: https://secwatch.observer/filing/0000860748-23-000176.txt

## Key facts
- Earnings Releases
  KEMPER Corp reported the third quarter of 2023 results: net income net loss between $140 million and $150 million.
  - Period: the third quarter of 2023
  - Net income: net loss between $140 million and $150 million
  - Result: preliminary results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/860748/000086074823000176/0000860748-23-000176-index.htm

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