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Kemper
Kemper (KMPR) investor relations material
Kemper Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary4 Feb, 2026
Executive summary
Fourth quarter results fell short of expectations, with a net loss of $8 million, mainly due to elevated claim severity in California, infrequent items, and a $35 million statutory refund in Florida; management is executing strategic actions to restore profitability and drive long-term value.
Leadership changes and efficiency initiatives were implemented, including a CEO search, restructuring to reduce costs, and enhancements to claims management.
Specialty auto remains challenged by structural changes in key states, while the life insurance segment continues to deliver stable performance and diversification.
New auto products were piloted and rate adjustments made in key states to improve competitiveness and profitability.
Financial highlights
Reported net loss of $8 million ($0.13 per share) and adjusted consolidated net operating income of $14.6 million ($0.25 per share) for Q4 2025.
Book value per share increased 5% year-over-year to $45.71; adjusted book value per share was $28.07, down from $29.04.
Trailing 12-month operating cash flow was $585 million.
Return on equity for FY 2025 was 5.1%, with adjusted ROE at 7.8%.
Net investment income for the quarter was $103 million.
Outlook and guidance
Management expects further declines in California policies in force until rate increases are approved and earned in, with growth anticipated in Florida and Texas.
New personal auto products are set to launch in Florida and Texas in the next few quarters, aiming to improve competitiveness and support profitable growth.
Ongoing restructuring and expense initiatives are expected to yield additional savings and enhance profitability.
Strategic focus on reducing California premium concentration and expanding in other regions.
P&C actions to counter bodily injury severity?
Restructuring program's expected efficiency gains?
Timeline for Preferred Insurance business run-off?
CA auto rate earn-in timeline post-approval?
Quantify new product's impact on non-CA growth
Basis for confidence in future commercial auto PYD?
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Next Kemper earnings date
Q1 20266 May, 2026
Kemper
Next Kemper earnings date
Q1 20266 May, 2026
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Frequently asked questions
Kemper Corporation provides insurance solutions through its Property & Casualty and Life & Health segments. The company offers auto, home, life, and health insurance products to individuals, families, and businesses. It is headquartered in Chicago, Illinois, and its shares are listed on the NYSE.
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