---
schema_version: "secwatch.filing_event.v1"
accession: "0000860748-25-000129"
form_type: "8-K"
ticker: "KMPR"
cik: "0000860748"
company_name: "KEMPER Corp"
filed_at: "2025-05-07T23:59:59+00:00"
generated_at: "2026-05-22T10:12:25.155522+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Kemper Q1 net income $99.7M ($1.54 EPS), adjusted EPS $1.65, up YoY

## Summary
- Net income $99.7M (diluted EPS $1.54) vs $71.3M ($1.10) in Q1 2024; adjusted operating income $106.4M ($1.65).
- Specialty P&C written premium grew 24% YoY; underlying combined ratio of 92%.
- Life operating income $17M; parent liquidity ~$1B; debt-to-capital ratio improved to 22.9%.
- Trailing 12-month operating cash flow increased to $520M.
- Adjusted ROE of 21%; ROE of 14% for the quarter.

## SEC filing metadata
- accession: 0000860748-25-000129
- form_type: 8-K
- ticker: KMPR
- cik: 0000860748
- company_name: KEMPER Corp
- filed_at: 2025-05-07T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/860748/000086074825000129/0000860748-25-000129-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/860748/000086074825000129/kmpr-20250507.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000860748-25-000129
- JSON: https://secwatch.observer/filing/0000860748-25-000129.json
- Plain text: https://secwatch.observer/filing/0000860748-25-000129.txt

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