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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Kemper (KMPR) investor relations material
Kemper Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary5 Aug, 2025
Executive summary
Net income for Q2 2025 was $72.6M ($1.12 per diluted share), with adjusted net operating income of $84.1M ($1.30), driven by Specialty P&C and improved life insurance results, despite higher claims severity and adverse reserve development.
Specialty P&C delivered strong premium and PIF growth, with underlying combined ratio at 93.6%; commercial auto saw 18% PIF growth but faced adverse prior year development.
Life segment fundamentals remained stable, with higher net investment income and improved operating results.
Book value per share increased 12%, adjusted book value per share up 14.3% year-over-year.
$80M in stock repurchased since April 1; new $500M repurchase authorization approved, enhancing capital flexibility.
Financial highlights
Q2 2025 net income: $72.6M; adjusted net operating income: $84.1M; diluted EPS: $1.12; adjusted diluted EPS: $1.30.
Total revenues for Q2 2025 were $1,225.6M, up $95.7M year-over-year, driven by Specialty P&C premium growth.
Operating cash flow reached a record $590M over the past year; parent liquidity at $1.1B.
Book value per share: $46.45; adjusted book value per share: $31.01 as of June 30, 2025.
Specialty P&C earned premium grew 17% year-over-year; PIF increased 8%.
Outlook and guidance
Management expects continued earned premium growth from rate increases and business volume, but notes ongoing claims severity and adverse reserve development pressures.
Combined ratios anticipated to remain in the 93.5–95% range, with quarterly fluctuations.
Net investment income projected to rebound in the second half, averaging $100–$105M per quarter.
Focus remains on profitable growth in Specialty P&C as auto market competition normalizes.
No preset timeline for share repurchases; will execute opportunistically.
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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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