---
schema_version: "secwatch.filing_event.v1"
accession: "0000860748-25-000026"
form_type: "8-K"
ticker: "KMPR"
cik: "0000860748"
company_name: "KEMPER Corp"
filed_at: "2025-02-05T23:59:59+00:00"
generated_at: "2026-05-27T03:08:40.161876+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Kemper Q4 net income $97.4M ($1.51 EPS) vs $51.4M YoY; adjusted op income $115.1M

## Summary
- Net income $97.4M ($1.51 diluted EPS) vs $51.4M ($0.80) in Q4 2023; adjusted net op income $115.1M ($1.78).
- Q4 ROE 14.0%, adjusted ROE 21.4%; FY 2024 ROE 11.9%, adjusted ROE 18.3%.
- Specialty P&C PIF growth 5.1% YoY; underlying combined ratio 91.7% for Q4, 91.5% annual.
- Parent liquidity $1.3B; repurchased ~$14M stock, increased quarterly dividend, retiring $450M senior notes.
- Life business continued strong return on capital and distributable cash flows.

## SEC filing metadata
- accession: 0000860748-25-000026
- form_type: 8-K
- ticker: KMPR
- cik: 0000860748
- company_name: KEMPER Corp
- filed_at: 2025-02-05T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/860748/000086074825000026/0000860748-25-000026-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/860748/000086074825000026/kmpr-20250205.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000860748-25-000026
- JSON: https://secwatch.observer/filing/0000860748-25-000026.json
- Plain text: https://secwatch.observer/filing/0000860748-25-000026.txt

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