The earnings call revealed significant challenges, including a quarterly net loss, increased competition, and elevated claims severity, particularly in California. However, the company took steps to address these issues, including a restructuring initiative and strategic share repurchases. There was also positive performance in the Life segment and strong cash flow. Despite these efforts, the negative aspects, particularly in the auto segment, outweighed the positives.

Company Guidance

During Kemper's Third Quarter 2025 Earnings Call, the company reported a net loss of $21 million or $0.34 per diluted share, while adjusted consolidated net operating income stood at $20.4 million or $0.33 per diluted share. The quarter saw a negative 3% return on equity and year-over-year book value per share growth of 4.8%. Operating cash flow for the trailing 12 months remained strong at $585 million. The P&C segment's underlying combined ratio increased to 99.6%, with policies in force and earned premium growing 0.6% and 10.7% year-over-year, respectively. The Life segment contributed $19 million in operating earnings. Despite intensified competition and elevated severity trends, Kemper initiated a restructuring effort expected to yield $30 million in annualized savings and repurchased 5.1 million shares for $266 million during the quarter. The company's debt-to-capital ratio was maintained at 24.2%, and net investment income increased to $105 million.

Life Segment Success

The Life business delivered solid quarterly results with operating earnings of $19 million, driven by favorable claims experience and disciplined expense management.

Strong Cash Flow and Investment Income

Trailing 12-month operating cash flow remained strong at $585 million, near an all-time high. Quarterly net investment income totaled $105 million, up $9 million sequentially, driven by improved performance in the alternative investment portfolio.

Share Repurchase Program

From July to October, Kemper repurchased a total of 5.1 million shares at an average price of $52.65, totaling $266 million, including a $150 million accelerated share repurchase program.

Kemper (KMPR) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

KMPR Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Feb 02, 2026	2025 (Q4)	1.08 / -	1.78	―	―	―
Nov 05, 2025	2025 (Q3)	1.34 / 0.33	1.62	-79.63% (-1.29)
Aug 05, 2025	2025 (Q2)	1.52 / 1.30	1.42	-8.45% (-0.12)
May 07, 2025	2025 (Q1)	1.49 / 1.65	1.07	54.21% (+0.58)
Feb 05, 2025	2024 (Q4)	1.34 / 1.78	0.78	128.21% (+1.00)
Oct 30, 2024	2024 (Q3)	1.34 / 1.62	-0.44	468.18% (+2.06)
Aug 05, 2024	2024 (Q2)	1.28 / 1.42	-0.26	646.15% (+1.68)
May 01, 2024	2024 (Q1)	1.09 / 1.07	-1.02	204.90% (+2.09)
Feb 01, 2024	2023 (Q4)	0.72 / 0.78	-0.41	290.24% (+1.19)
Oct 30, 2023	2023 (Q3)	-0.37 / -0.44	-0.48	8.33% (+0.04)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

KMPR Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Nov 05, 2025	$42.63	$36.53	-14.31%
Aug 05, 2025	$61.12	$48.13	-21.25%
May 07, 2025	$60.94	$61.80	+1.41%
Feb 05, 2025	$67.48	$68.41	+1.38%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Kemper Corp (KMPR) report earnings?

Kemper Corp (KMPR) is schdueled to report earning on Feb 02, 2026, Before Open (Confirmed).

What is Kemper Corp (KMPR) earnings time?

Kemper Corp (KMPR) earnings time is at Feb 02, 2026, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is KMPR EPS forecast?

KMPR EPS forecast for the fiscal quarter 2025 (Q4) is 1.08.

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