)
Edge17 Oct 2025
A Castle in the Sky: The Story of Oracle
Oracle's journey from database innovator to disciplined enterprise backbone, now shaping the AI buildout with a standardized cloud infrastructure.
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.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Kemper earnings date
Q3 202529 Oct, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Company Research17 Oct 2025
Beneath the Surface: A Conversation with Epiroc CEO Helena Hedblom
Legacy, innovation, and leading one of Sweden's most influential industrial companies into a new era.
)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage