Loading...
•
Dec 31, 2025
Kemper Q4 2025 Earnings Report
Kemper reported a net loss of $8.0 million for the fourth quarter of 2025, with adjusted consolidated net operating income of $14.6 million.
Key Takeaways
Kemper Corporation reported a net loss of $8.0 million, or $(0.13) per share, for the fourth quarter of 2025, a significant decrease compared to net income of $97.4 million, or $1.51 per diluted share, in the fourth quarter of 2024. Adjusted Consolidated Net Operating Income also declined to $14.6 million from $115.1 million in the prior year. The decline was primarily attributed to pressured Specialty P&C operating results due to bodily injury severity, a Florida Statutory Profit Limit Refund, and lower volumes from Non-Core Operations.
Net loss of $8.0 million, or $(0.13) per share, for Q4 2025, down from net income of $97.4 million, or $1.51 per diluted share, in Q4 2024.
Adjusted Consolidated Net Operating Income was $14.6 million, or $0.25 per share, for Q4 2025, a decrease from $115.1 million, or $1.78 per diluted share, in Q4 2024.
Specialty P&C operating results were pressured by bodily injury severity, a $35.0 million Florida Statutory Profit Limit Refund, and elevated frequency.
Life business generated solid results driven by expense management, despite unfavorable mortality experience from life insurance products.
Revenue by Segment
Forward Guidance
Kemper is focused on taking deliberate actions to address recent performance issues, including strengthening execution across pricing, claims, and expenses, and diversifying its portfolio geographically to improve consistency, reduce volatility, and position for long-term value creation.
Positive Outlook
- Strengthening execution across pricing, claims, and expenses.
- Working with renewed focus to diversify portfolio geographically.
- Actions intended to improve consistency and reduce volatility.
- Positioning Kemper for long-term value creation.
- Evaluating additional efficiency opportunities through 2027.
Challenges Ahead
- Changes in the frequency and severity of insurance claims.
- Claim development and the process of estimating claim reserves.
- Impacts of inflation and changes in the interest rate environment.
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
Loading earnings performance data...
Loading earnings reaction data...