---
schema_version: "secwatch.filing_event.v1"
accession: "0000860748-23-000183"
form_type: "8-K"
ticker: "KMPR"
cik: "0000860748"
company_name: "KEMPER Corp"
filed_at: "2023-10-30T23:59:59+00:00"
generated_at: "2026-06-09T06:25:36.550744+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Kemper reports Q3 net loss of $146.3M ($2.28/share); adjusted loss $27.9M

## Summary
- Net loss of $146.3M ($2.28 per diluted share) vs net loss of $74.8M ($1.17) in Q3 2022.
- Adjusted net operating loss $27.9M ($0.44/share) vs $27.0M ($0.43) prior year, roughly flat.
- Includes $55.5M after-tax non-cash charge for pension plan termination and $22.9M after-tax net realized losses.
- Specialty Auto underlying combined ratio improved 1.5 points sequentially; unfavorable prior-year reserve development from Florida PIP.
- Implementation of 30 points of CA specialty auto rate; strategic initiatives on track; Life trends stable.

## SEC filing metadata
- accession: 0000860748-23-000183
- form_type: 8-K
- ticker: KMPR
- cik: 0000860748
- company_name: KEMPER Corp
- filed_at: 2023-10-30T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- 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/860748/000086074823000183/0000860748-23-000183-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/860748/000086074823000183/kmpr-20231030.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000860748-23-000183
- JSON: https://secwatch.observer/filing/0000860748-23-000183.json
- Plain text: https://secwatch.observer/filing/0000860748-23-000183.txt

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