---
schema_version: "secwatch.filing_event.v1"
accession: "0000860748-24-000007"
form_type: "8-K"
ticker: "KMPR"
cik: "0000860748"
company_name: "KEMPER Corp"
filed_at: "2024-01-24T23:59:59+00:00"
generated_at: "2026-06-06T19:41:33.371208+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Kemper preliminary Q4 2023 net income $45M-$55M, auto combined ratio 98.5%

## Summary
- Estimated net income and adjusted consolidated net operating income of $45M-$55M for Q4 2023.
- Kemper Auto combined ratio 98.5% (underlying 98.2%); PPA 99.5%, Commercial Vehicle 94.9%.
- Parent liquidity ~$1.1B, up ~$300M; paid ~$330M in Life dividends from Bermuda optimization.
- Achieved multi-year goal of $150M run-rate cost savings; further optimization continues.
- Preferred P&C exit proceeding; anticipate $175M+ capital release by year-end 2024.

## SEC filing metadata
- accession: 0000860748-24-000007
- form_type: 8-K
- ticker: KMPR
- cik: 0000860748
- company_name: KEMPER Corp
- filed_at: 2024-01-24T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/860748/000086074824000007/0000860748-24-000007-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/860748/000086074824000007/kmpr-20240124.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000860748-24-000007
- JSON: https://secwatch.observer/filing/0000860748-24-000007.json
- Plain text: https://secwatch.observer/filing/0000860748-24-000007.txt

## Key facts
- Earnings Releases
  KEMPER Corp reported the fourth quarter of 2023 results: net income between $45 million and $55 million.
  - Period: the fourth quarter of 2023
  - Net income: between $45 million and $55 million
  - Result: preliminary results
  source text: Preliminary results for the fourth quarter of 2023 include estimated net income and adjusted consolidated net operating income of between $45 million and $55 million.
  evidence_url: https://www.sec.gov/Archives/edgar/data/860748/000086074824000007/0000860748-24-000007-index.htm

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