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AI brief of an SEC Form 8-K · Kemper (KMPR)

Kemper posts $8.0 million Q4 2025 net loss vs $97.4 million profit a year earlier

Negative Impact 4 of 5 earnings Written later

Kemper Corporation reported a net loss attributable to shareholders of $8.0 million, or $(0.13) per diluted share, for the fourth quarter of 2025, compared with net income of $97.4 million, or $1.51 per diluted share, a year earlier. Adjusted net operating income fell to $14.6 million, or $0.25 per share, from $115.1 million, or $1.78 per share, with Specialty Property & Casualty results under pressure from bodily injury severity and a $35.0 million Florida Statutory Profit Limit Refund.

Key points

  • Q4 2025 total revenues fell $55.4 million to $1,131.4 million from the prior-year quarter.
  • Specialty Personal Automobile Underlying Combined Ratio was 110.0 percent, compared with 91.4 percent in Q4 2024.
  • Specialty Property & Casualty segment adjusted net operating income was $2.6 million, versus $101.2 million a year earlier.
  • Full-year 2025 net income was $143.3 million, or $2.29 per diluted share, down from $317.8 million, or $4.91, in 2024; C. Thomas Evans, Jr. is Interim CEO.

The filing

CompanyKemper (KMPR)
Form8-K, current report
Filed with the SECFeb 4, 2026, 4:08 PM ET
Accession number0000860748-26-000006

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI (Anthropic Claude, claude-haiku-5-5) on Nov 8, 2026, 1:54 AM ET, from the text of the filing and its press-release exhibits only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on February 04, 2026.

Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.