---
schema_version: "secwatch.filing_event.v1"
accession: "0000860748-26-000043"
form_type: "8-K"
ticker: "KMPR"
cik: "0000860748"
company_name: "KEMPER Corp"
filed_at: "2026-05-06T23:59:59+00:00"
generated_at: "2026-05-14T23:04:35.181901+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Kemper posts Q1 net loss of $1.7M; adjusted operating income falls to $12.5M from $106.4M YoY

## Summary
- Net loss of $1.7M ($0.03 per share) vs net income of $99.7M ($1.54) in Q1 2025.
- Adjusted Consolidated Net Operating Income of $12.5M ($0.21 per share) vs $106.4M ($1.65) prior year.
- Specialty Personal Automobile losses in California; rate and non-rate actions underway.
- Specialty Commercial Automobile PIF grew 10% YoY with Underlying Combined Ratio of 92.4%.
- Restructuring: $60M run-rate savings identified, $50M already actioned.

## SEC filing metadata
- accession: 0000860748-26-000043
- form_type: 8-K
- ticker: KMPR
- cik: 0000860748
- company_name: KEMPER Corp
- filed_at: 2026-05-06T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/860748/000086074826000043/0000860748-26-000043-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/860748/000086074826000043/kmpr-20260506.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000860748-26-000043
- JSON: https://secwatch.observer/filing/0000860748-26-000043.json
- Plain text: https://secwatch.observer/filing/0000860748-26-000043.txt

## Source-grounded claims
- claim_id: 792329e1226243fa32f4888a2e66f2083ec809b1
  claim: KEMPER Corp reported first quarter of 2026 results: net income net loss of $1.7 million, or $(0.03) per share, EPS $(0.03) per share.
  evidence_excerpt: Kemper Corporation (NYSE: KMPR) reported a net loss of $1.7 million, or $(0.03) per share, for the first quarter of 2026, compared to net income of $99.7 million, or $1.54 per diluted share, for the first quarter of 2025.
  evidence_url: https://www.sec.gov/Archives/edgar/data/860748/000086074826000043/0000860748-26-000043-index.htm

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