Filing Flows › Kemper (KMPR) › Q4 2025
Kemper (KMPR) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 11, 2026
Kemper (KMPR) reported revenue of $1.1B for the fourth quarter 2025 (Q4 2025), -5% from a year earlier and -9% from the quarter before. Operating margin was -1.2%, net loss $10.0M (0.9% of revenue).
Kemper, Q4 2025: revenue $1.1B (-5% year over year), operating margin -1.2%, net loss $10.0M, operating cash flow $175M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $1.1B | -9% | -5% |
| Operating profit | −$13.5M | — | -111% |
| Net earnings | −$10.0M | — | -110% |
| Operating cash flow | $175M | +25% | -0.1% |
| Free cash flow | $166M | +25% | +0.5% |
What changed
Revenue was $1.1B in Q4 2025, down 5% year over year and down 9% from the previous quarter.
Operating costs exceeded revenue by $0.01B, an operating margin of -1.2%. Total costs grew 7% against a revenue fall of 5%. The quarter ended with a net loss of $0.01B, narrower than the previous quarter's $0.02B loss. Minority interests bore $2.0M of it: to shareholders the quarter was a loss of $0.01B.
Operating cash flow was $0.17B (roughly flat year over year). Non-cash charges added back $0.01B of depreciation and amortization. Working capital and other items added $0.17B. Capital expenditures of $0.01B left free cash flow of $0.17B.
Questions
What was Kemper's revenue in the fourth quarter 2025?
Kemper (KMPR) reported revenue of $1.1B for the fourth quarter 2025 (Q4 2025), -5% from a year earlier and -9% from the quarter before.
Was Kemper profitable in the fourth quarter 2025?
Operating loss was $13.5M (-1.2% of revenue) and net loss $10.0M.
Source: Kemper 10-K on SEC EDGAR.