Kemper (KMPR) reported $1.24 billion in revenue for the quarter ended September 2025, representing a year-over-year increase of 5%. EPS of $0.33 for the same period compares to $1.62 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $1.22 billion, representing a surprise of +1.79%. The company delivered an EPS surprise of -75.19%, with the consensus EPS estimate being $1.33.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Kemper performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Revenues- Net investment income: $104.8 million compared to the $101.01 million average estimate based on three analysts. The reported number represents a change of -5.7% year over year.
- Revenues- Specialty Property & Casualty Insurance- Earned Premiums: $1.02 billion versus $1 billion estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +10.7% change.
- Revenues- Life and Health Insurance- Earned premiums: $99.8 million compared to the $101.8 million average estimate based on two analysts. The reported number represents a change of -0.8% year over year.
- Revenues- Specialty Property & Casualty Insurance- Other Income: $2.5 million compared to the $1.1 million average estimate based on two analysts. The reported number represents a change of +78.6% year over year.
- Revenues- Specialty Property & Casualty Insurance- Total: $1.07 billion versus the two-analyst average estimate of $1.05 billion. The reported number represents a year-over-year change of +10.4%.
- Revenues- Specialty Property & Casualty Insurance- Earned Premiums- Personal Automobile: $785.1 million compared to the $768.97 million average estimate based on two analysts. The reported number represents a change of +7.4% year over year.
- Revenues- Specialty Property & Casualty Insurance- Earned Premiums- Commercial Automobile: $232.2 million versus the two-analyst average estimate of $228.63 million. The reported number represents a year-over-year change of +23.7%.
- Revenues- Earned premiums: $1.13 billion versus $1.12 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +6.1% change.
- Revenues- Other income(loss): $2.9 million versus the two-analyst average estimate of $3.9 million. The reported number represents a year-over-year change of +31.8%.
- Revenues- Specialty Property & Casualty Insurance- Net Investment Income: $53.8 million versus $50.31 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +3.5% change.
- Segment Adjusted Net Operating Income (Loss)- Specialty Property & Casualty Insurance: $7.6 million versus $80.29 million estimated by two analysts on average.
View all Key Company Metrics for Kemper here>>>
Shares of Kemper have returned -12.1% over the past month versus the Zacks S&P 500 composite's +1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Kemper Corporation (KMPR): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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