Filing Flows › Kemper (KMPR) › Q3 2025
Kemper (KMPR) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 5, 2025
Kemper (KMPR) reported revenue of $1.2B for the third quarter 2025 (Q3 2025), +5% from a year earlier and +1% from the quarter before. Operating margin was -2.7%, net loss $24.2M (2.0% of revenue).
Kemper, Q3 2025: revenue $1.2B (+5% year over year), operating margin -2.7%, net loss $24.2M, operating cash flow $140M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $1.2B | +1% | +5% |
| Operating profit | −$33.1M | -138% | — |
| Net earnings | −$24.2M | -133% | — |
| Operating cash flow | $140M | +56% | -1% |
| Free cash flow | $133M | +63% | +2% |
What changed
Revenue was $1.2B in Q3 2025, up 5% year over year and up 1% from the previous quarter.
Operating costs exceeded revenue by $0.03B, an operating margin of -2.7%. Total costs grew 22% against revenue growth of 5%. The quarter ended with a net loss of $0.02B, after a profit of $0.07B the previous quarter. Minority interests bore $3.2M of it: to shareholders the quarter was a loss of $0.02B.
Operating cash flow was $0.14B (down 1% year over year). Non-cash charges added back $0.04B of depreciation and amortization. Working capital and other items added $0.13B. Capital expenditures of $0.01B left free cash flow of $0.13B.
Questions
What was Kemper's revenue in the third quarter 2025?
Kemper (KMPR) reported revenue of $1.2B for the third quarter 2025 (Q3 2025), +5% from a year earlier and +1% from the quarter before.
Was Kemper profitable in the third quarter 2025?
Operating loss was $33.1M (-2.7% of revenue) and net loss $24.2M.
Source: Kemper 10-Q on SEC EDGAR.