---
schema_version: "secwatch.filing_event.v1"
accession: "0000860748-24-000198"
form_type: "8-K"
ticker: "KMPR"
cik: "0000860748"
company_name: "KEMPER Corp"
filed_at: "2024-08-05T23:59:59+00:00"
generated_at: "2026-05-31T13:18:35.944097+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Kemper swings to Q2 net income of $75.4M from $97.1M loss; Specialty P&C combined ratio improves to 89.6%

## Summary
- Net income of $75.4M ($1.16 diluted EPS) vs net loss of $97.1M ($(1.52) per share) in Q2 2023.
- Adjusted Consolidated Net Operating Income of $91.7M ($1.42) vs loss of $14.2M ($(0.22)) in prior year.
- Specialty P&C underlying combined ratio improved to 89.6% (12.4 pts YoY improvement); PIF grew 4.6% sequentially.
- Parent liquidity at $1.1B; insurance entities well capitalized. CEO cites third straight quarter of operating profitability.
- ROE of 11.5% and Adjusted ROE of 17.6% for Q2 2024.

## SEC filing metadata
- accession: 0000860748-24-000198
- form_type: 8-K
- ticker: KMPR
- cik: 0000860748
- company_name: KEMPER Corp
- filed_at: 2024-08-05T23:59:59+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/860748/000086074824000198/0000860748-24-000198-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/860748/000086074824000198/kmpr-20240805.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000860748-24-000198
- JSON: https://secwatch.observer/filing/0000860748-24-000198.json
- Plain text: https://secwatch.observer/filing/0000860748-24-000198.txt

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