---
schema_version: "secwatch.filing_event.v1"
accession: "0000860748-25-000213"
form_type: "8-K"
ticker: "KMPR"
cik: "0000860748"
company_name: "KEMPER Corp"
filed_at: "2025-11-05T23:59:59+00:00"
generated_at: "2026-05-17T00:29:13.370547+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Kemper Q3 net loss $21M vs prior year profit $73.7M; adjusted EPS $0.33 from $1.62

## Summary
- Net loss $21.0M ($0.34 per share) in Q3 2025 vs net income $73.7M ($1.14 per share) in Q3 2024.
- Adjusted consolidated net operating income fell to $20.4M ($0.33 per share) from $105.0M ($1.62).
- Specialty P&C segment pressured results; management taking actions to improve profitability and growth.
- Trailing 12-month operating cash flow ~$585M; parent liquidity ~$1.0B.
- Repurchased ~5.1M shares for ~$266M (avg $52.65) from July 1 through October 31, 2025.

## SEC filing metadata
- accession: 0000860748-25-000213
- form_type: 8-K
- ticker: KMPR
- cik: 0000860748
- company_name: KEMPER Corp
- filed_at: 2025-11-05T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- 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/860748/000086074825000213/0000860748-25-000213-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/860748/000086074825000213/kmpr-20251105.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000860748-25-000213
- JSON: https://secwatch.observer/filing/0000860748-25-000213.json
- Plain text: https://secwatch.observer/filing/0000860748-25-000213.txt

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