---
schema_version: "secwatch.filing_event.v1"
accession: "0000860748-24-000016"
form_type: "8-K"
ticker: "KMPR"
cik: "0000860748"
company_name: "KEMPER Corp"
filed_at: "2024-02-01T23:59:59+00:00"
generated_at: "2026-06-06T12:21:38.045416+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Kemper reports Q4 2023 net income of $51.4M ($0.80 EPS) vs loss of $53.3M a year ago

## Summary
- Net income $51.4M ($0.80 diluted EPS) vs net loss $53.3M ($0.84 loss) in Q4 2022.
- Adjusted consolidated net operating income $50.5M ($0.78/sh) vs loss of $23.5M ($0.36 loss) prior year.
- Specialty P&C underlying combined ratio improved 2.3% sequentially to 98.2%; achieved $150M expense savings target.
- Parent liquidity increased to $1.1B, up $325M from prior quarter; Bermuda optimization generated ~$330M dividends.
- Life business continues stable earnings; management expects return to target margins in 2024.

## SEC filing metadata
- accession: 0000860748-24-000016
- form_type: 8-K
- ticker: KMPR
- cik: 0000860748
- company_name: KEMPER Corp
- filed_at: 2024-02-01T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/860748/000086074824000016/0000860748-24-000016-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/860748/000086074824000016/kmpr-20240201.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000860748-24-000016
- JSON: https://secwatch.observer/filing/0000860748-24-000016.json
- Plain text: https://secwatch.observer/filing/0000860748-24-000016.txt

## Key facts
- Earnings Releases
  KEMPER Corp reported fourth quarter of 2022 results: net income Adjusted Consolidated Net Operating Loss of $23.5 million, EPS $(0.36) per share.
  - Period: fourth quarter of 2022
  - Net income: Adjusted Consolidated Net Operating Loss of $23.5 million
  - EPS: $(0.36) per share
  - Result: reported results
  source text: compared to a net loss of $53.3 million, or $(0.84) per share, for the fourth quarter of 2022
  evidence_url: https://www.sec.gov/Archives/edgar/data/860748/000086074824000016/0000860748-24-000016-index.htm
- Earnings Releases
  KEMPER Corp reported fourth quarter of 2022 results: net income Adjusted Consolidated Net Operating Loss of $23.5 million, EPS $(0.36) per share.
  - Period: fourth quarter of 2022
  - Net income: Adjusted Consolidated Net Operating Loss of $23.5 million
  - EPS: $(0.36) per share
  - Result: reported results
  source text: compared to Adjusted Consolidated Net Operating Loss 1,2 of $23.5 million, or $(0.36) per share, for the fourth quarter of 2022
  evidence_url: https://www.sec.gov/Archives/edgar/data/860748/000086074824000016/0000860748-24-000016-index.htm
- Earnings Releases
  KEMPER Corp reported fourth quarter of 2023 results: net income Adjusted Consolidated Net Operating Income was $50.5 million, EPS $0.78 per diluted share.
  - Period: fourth quarter of 2023
  - Net income: Adjusted Consolidated Net Operating Income was $50.5 million
  - EPS: $0.78 per diluted share
  - Result: reported results
  source text: Kemper Corporation (NYSE: KMPR) reported net income of $51.4 million, or $0.80 per diluted share, for the fourth quarter of 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/860748/000086074824000016/0000860748-24-000016-index.htm
- Earnings Releases
  KEMPER Corp reported fourth quarter of 2023 results: net income Adjusted Consolidated Net Operating Income was $50.5 million, EPS $0.78 per diluted share.
  - Period: fourth quarter of 2023
  - Net income: Adjusted Consolidated Net Operating Income was $50.5 million
  - EPS: $0.78 per diluted share
  - Result: reported results
  source text: Adjusted Consolidated Net Operating Income 1 was $50.5 million, or $0.78 per diluted share, for the fourth quarter of 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/860748/000086074824000016/0000860748-24-000016-index.htm

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