Kemper Corporation reported its earnings for the fourth quarter (Q4) and full year (FY) ended December 31, 2025. For Q4 2025, annualized net loss attributable to shareholders was USD 32 million. For the full year 2025, net income attributable to shareholders was USD 143.3 million. Kemper highlighted that there were no significant non-recurring items excluded from the calculation of adjusted consolidated net operating income for both Q4 and FY 2025. The company continued to focus on underlying operational performance, noting that investment-related gains and losses can fluctuate significantly due to capital market conditions and are not directly related to insurance underwriting activities. During the third quarter of 2025, Kemper launched a restructuring program aimed at achieving operational and organizational efficiencies, with ongoing evaluations of additional efficiency opportunities planned through 2027. The company also emphasized ongoing efforts to diversify its portfolio geographically to improve consistency, reduce volatility, and position the business for long-term value creation.

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