---
schema_version: "secwatch.filing_event.v1"
accession: "0000860748-26-000006"
form_type: "8-K"
ticker: "KMPR"
cik: "0000860748"
company_name: "KEMPER Corp"
filed_at: "2026-02-04T23:59:59+00:00"
generated_at: "2026-05-16T05:10:34.745663+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000860748-26-000006
- form_type: 8-K
- ticker: KMPR
- cik: 0000860748
- company_name: KEMPER Corp
- filed_at: 2026-02-04T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- 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/860748/000086074826000006/0000860748-26-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/860748/000086074826000006/kmpr-20260204.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000860748-26-000006
- JSON: https://secwatch.observer/filing/0000860748-26-000006.json
- Plain text: https://secwatch.observer/filing/0000860748-26-000006.txt

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