Kemper (NYSE:KMPR) Beats Q4 CY2025 Earnings Estimate, Revenue Misses by 4.8%

Kemper (NYSE:KMPR) reports Q4 CY2025 revenue of $1.13B, 4.8% lower than the prior-year period and below analyst expectations. Non-GAAP profit of $0.25 per share was 70.8% below consensus. The stock fell 4.8% to $36.65 in after-hours trading. Kemper, an insurance holding company providing auto, homeowners, life, and other coverage, relies heavily on net premiums earned (92% of revenue) due to the volatility of investment and fee income. Revenue has declined at an annualized 1.7% over the past two years, outperforming a 1.3% average over five years. Book value per share (BVPS) reflects core business quality and has grown 8.2% annually over the last two years, from $39.08 to $45.71 per share, with 12-month consensus implying a 15.7% increase to $49.43. The company’s BVPS has fallen 8.1% annually over five years but is expected to strengthen. C. Thomas Evans, Jr., interim CEO, stated: “We are focused on taking deliberate actions to address the specific factors affecting our recent performance.”