KEMPER (KMPR) Company Report

Kemper Corporation reported a net loss of $21.0 million, or $(0.34) per share, for the third quarter of 2025, compared to net income of $73.7 million, or $1.14 per diluted share, for the third quarter of 2024.
Adjusted Consolidated Net Operating Income for Q3 2025 was $20.4 million, or $0.33 per diluted share, a decrease from $105.0 million, or $1.62 per diluted share, in Q3 2024.
Total revenues for the third quarter of 2025 increased by $60.8 million to $1,239.7 million compared to the third quarter of 2024.
The company repurchased approximately 5.1 million shares for a total cost of approximately $266 million from July 1st through October 31st, at an average price of $52.65.
Parent liquidity remained strong at approximately $1.0 billion, and the Specialty P&C segment's Underlying Combined Ratio was 99.6% for Q3 2025.

Nov 5, 2025, 9:09 PM

Kemper Corporation reports Q2 2025 operating results

KMPR

Earnings

Share Buyback

Revenue Acceleration/Inflection

Kemper Corporation reported net income of $72.6 million ($1.12 per diluted share) and Adjusted Consolidated Net Operating Income of $84.1 million ($1.30 per diluted share) for the second quarter of 2025.
Total revenues for Q2 2025 increased by $95.7 million to $1,225.6 million compared to Q2 2024, primarily due to a $148.2 million increase in Specialty Property & Casualty Insurance earned premiums.
The company achieved a 14.9% Adjusted Return on Equity and its Specialty P&C segment saw Policies-in-Force (PIF) grow 8% year-over-year.
Kemper reported strong parent liquidity of approximately $1.1 billion and repurchased $80 million of stock between April 1 and July 31, 2025, with a new $500 million repurchase authorization.

Aug 5, 2025, 12:00 AM

Kemper Corp Approves Second Amended 2023 Omnibus Plan and Reports Annual Meeting Vote Results

KMPR

Proxy Vote Outcomes

Board Change

Auditor Change

Kemper Corp filed an 8-K on May 8, 2025, reporting shareholder approval of its Second Amended and Restated 2023 Omnibus Plan, which increased the authorized common stock by 625,000 shares.
The document details vote outcomes at the Annual Meeting on May 7, 2025, including the election of 10 directors, advisory votes on executive compensation, and approval of the Omnibus Plan and auditor selection.

May 8, 2025, 12:00 AM

Kemper Corp Reports Strong Q1 2025 Earnings and Operating Results

KMPR

Earnings

Share Buyback

Kemper Corp delivered robust Q1 2025 results with a net income of approximately $100 million and $106.4 million in adjusted consolidated net operating income, reflecting significant improvement over Q1 2024 .
The company posted operating cash flow of roughly $520 million, nearing historical peak levels and underlining effective liquidity management .
Improved financial stability was marked by a debt-to-capital ratio of 22.9%, achieved through a $450 million debt repayment and a $4 million share repurchase .
Key specialty segments performed strongly, with the Specialty Auto and Specialty Property & Casualty businesses achieving an underlying combined ratio near 92% and robust year-over-year premium and policy growth .
Management highlighted that potential tariff impacts are expected to be a one-time cost, manageable through targeted rate adjustments and frequent repricing in key markets such as California, Florida, and Texas .

May 7, 2025, 9:01 PM

Kemper Corp Special Call Reviews 2024 Performance and 2025 Outlook

KMPR

Debt Issuance

Share Buyback

Guidance Update

Kemper’s CEO and CFO detailed a strong turnaround in 2024, driven by rate increases in California (55% of auto premiums) and disciplined underwriting, setting the stage for robust premium growth in 2025.
The management explained that the current underwriting approach and pace of new business expansion are effectively absorbing the new business penalty, maintaining attractive combined ratios near 93%.
The company highlighted its strong balance sheet with over $1 billion in liquidity, a $450 million debt repayment in February 2025, and approximately $40 million in stock buybacks.
Kemper’s Life business was noted as a core, stable performer that contributes consistent cash flows and strong ROE, while investment portfolio adjustments are expected to boost net investment income.

Mar 4, 2025, 7:16 PM

Kemper Reports Q4 2024 Earnings & Operating Results

KMPR

Earnings

Dividends

Share Buyback

Kemper delivered strong Q4 2024 performance with net income of $97.4 million , earnings of $1.51 per diluted share, and adjusted operating income of $115.1 million .
The Specialty P&C (including Specialty Auto P&C) segment outperformed with an underlying combined ratio of 91.7% and achieved notable policy in-force (PIF) growth, reversing its typical seasonal decline .
The company maintained robust financial flexibility with $1.3 billion in liquidity and enhanced capital returns by repurchasing $14 million of stock .
Kemper increased its quarterly dividend to $0.31 per share and advanced plans to retire $450 million in debt, reinforcing its balance sheet .
These results represent a significant improvement over Q4 2023 and support strong annual performance .