Kemper demonstrated strong financial performance with significant growth in its Specialty Auto and Commercial Auto segments, along with robust capital and liquidity management. However, the company faced challenges with adverse prior-year development and investment portfolio volatility. Despite these challenges, the highlights notably outweigh the lowlights.

Company Guidance -

Q3 2025

During Kemper's second quarter 2025 earnings call, the company provided guidance indicating strong underlying operating results, particularly in their Specialty Auto business, which achieved a 93.5% underlying combined ratio and 8% year-over-year policies in force (PIF) growth. The company reported an adjusted return on equity (ROE) of 15% and a 14% year-over-year growth in adjusted book value per share. Kemper also noted an all-time high trailing 12-month operating cash flow of nearly $600 million. In their Commercial Auto business, they achieved an underlying combined ratio of 90% with an 18% growth in PIF. Despite facing $19 million in adverse prior-year development due to social inflation effects, the company maintained a positive outlook on future growth. Kemper highlighted a $500 million share repurchase authorization, reflecting confidence in their financial position and stock valuation. The company's debt-to-capital ratio is near their long-term target, and they emphasized continued strong performance across their core businesses.

Strong Financial Performance

Kemper delivered a return on adjusted equity of 15% and adjusted book value per share growth of 14% year-over-year. The company also reported an all-time high trailing 12-month operating cash flow of nearly $600 million.

Specialty Auto Growth

The Specialty Auto segment produced a 93.5% underlying combined ratio, with 8% year-over-year PIF growth and earned premium growth of 17%.

Commercial Auto Success

Commercial Auto achieved an underlying combined ratio of 90% and PIF growth of 18%.

Capital and Liquidity Strength

Kemper retired $450 million of debt, bringing the debt-to-cap ratio near the long-term target. The company repurchased $80 million of common stock since April 1 and has $550 million available for future repurchases.

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
Oct 29, 2025	2025 (Q3)	1.33 / -	1.62	―	―	―
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)
Aug 07, 2023	2023 (Q2)	-0.36 / -0.26	-0.62	58.06% (+0.36)

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
Aug 05, 2025	$61.49	$48.42	-21.26%
May 07, 2025	$61.30	$62.17	+1.42%
Feb 05, 2025	$67.89	$68.83	+1.38%
Oct 30, 2024	$63.26	$61.40	-2.94%

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 Oct 29, 2025, Before Open (Confirmed).

What is Kemper Corp (KMPR) earnings time?

Kemper Corp (KMPR) earnings time is at Oct 29, 2025, 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 (Q3) is 1.33.

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