Kemper Q4 2025 net loss $8.0M vs income $97.4M YoY; adj. op. income $0.25/sh

KEMPER Corp

2025-FY EPS reported $2.29 revenue$4,789,700,000

Net loss of $8.0M ($0.13/sh) in Q4 2025 vs net income of $97.4M ($1.51/sh) in Q4 2024.
Adjusted Consolidated Net Operating Income of $14.6M ($0.25/sh) vs $115.1M ($1.78/sh) last year.
Specialty P&C results pressured by bodily injury severity; actions underway to improve profitability.
Trailing 12-month operating cash flow ~$585M near all-time high; parent liquidity >$1.0B.
FY'25 ROE 5.1%, Adjusted ROE 7.8%; book value per share up 4.6% YoY.

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