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Jun 30, 2025
Kemper Q2 2025 Earnings Report
Kemper posted solid Q2 2025 results with strong operating income, robust segment performance, and improvements in key financial metrics.
Key Takeaways
Kemper reported $1.23B in revenue, $72.6M in net income, and strong contributions from its Specialty P&C and Life Insurance segments, along with improved book value metrics and high parent liquidity.
Revenue by Segment
Forward Guidance
Kemper expects continued strength from its Specialty Auto and Life segments, supported by solid capital and liquidity positions to pursue strategic growth and shareholder returns.
Positive Outlook
- Strong operating cash flow of ~$590M TTM
- High parent liquidity of $1.1B enables flexibility
- 8% YoY growth in Specialty P&C policies-in-force
- 14.9% ROAE supports shareholder value
- Book value and adjusted BVPS increased YoY
Challenges Ahead
- Underlying combined ratio increased YoY (93.6% vs 89.6%)
- Decline in segment operating income YoY for Specialty P&C
- Non-core operations still contributed losses
- Investment income growth slower than premium growth
- Adjusted EPS declined YoY from $1.42 to $1.30
Historical Earnings Impact
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Avg. Return Before/After Earnings
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