Symbols

KMPR

Kemper·NYSE

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KMPR fundamentals

KMPR Q4 2025 Earnings

Kemper (KMPR) released its earnings on Feb 4, 2026: revenue was 1.13B (YoY -4.79%), missed estimates; EPS was 0.25 (YoY -85.96%), missed estimates.

Revenue / YoY

1.13B

-4.79%

EPS / YoY

0.25

-85.96%

Report date

Feb 4, 2026

KMPR Earnings Call Summary for Q4,2025

Key Takeaways:

California Auto Challenges: 105% combined ratio driven by doubled bodily injury limits; rate increase filing (+6.9%) pending approval.
Florida Market Benefits: $35M refunds highlight tort reform success, but 2026 rate adjustments needed.
Restructuring Savings: $33M annual savings from cost-cutting initiatives.
Life Segment Stability: $20M adjusted NOIL, 4.6% book value growth.
New Product Momentum: AZ/OR pilots show 30pts pricing improvement; TX/FL rollouts Q1 2026.
Balance Sheet Strength: $1B liquidity supports growth and debt reduction (24.6% debt-to-capital).

Earnings

EPS

Revenue

Revenue & Expenses

Key Indicators

Kemper (KMPR) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Kemper (KMPR)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Breakdown

Balance Sheet

Kemper (KMPR)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Breakdown

Cash Flow

Kemper (KMPR)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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Breakdown