secwatch.observer — SEC 8-K summary
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Issuer:     KEMPER Corp (KMPR)
CIK:        0000860748
Form:       8-K
Filed at:   2026-02-04T23:59:59+00:00
Accession:  0000860748-26-000006
Event type: earnings
Sentiment:  negative
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/860748/000086074826000006/0000860748-26-000006-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/860748/000086074826000006/kmpr-20260204.htm
  HTML page:      https://secwatch.observer/filing/0000860748-26-000006

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer