For the quarter ended June 2025, Kemper (KMPR Quick QuoteKMPR - Free Report) reported revenue of $1.23 billion, up 8.9% over the same period last year. EPS came in at $1.30, compared to $1.42 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $1.22 billion, representing a surprise of +0.34%. The company delivered an EPS surprise of -14.47%, with the consensus EPS estimate being $1.52.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

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:

• Specialty Property & Casualty Insurance - Commercial Automobile Insurance - Total Incurred Loss and LAE Ratio: 72.4% compared to the 74% average estimate based on two analysts.
• Specialty Property & Casualty Insurance - Personal Automobile Insurance - Total Incurred Loss and LAE Ratio: 80.4% versus the two-analyst average estimate of 72.4%.
• Revenues- Net investment income: $95.9 million compared to the $104.91 million average estimate based on three analysts. The reported number represents a change of +3.1% year over year.
• Revenues- Specialty Property & Casualty Insurance- Earned Premiums: $1.01 billion versus the three-analyst average estimate of $991.78 million. The reported number represents a year-over-year change of +17.2%.
• Revenues- Life and Health Insurance- Earned premiums: $100.5 million versus the three-analyst average estimate of $101.6 million. The reported number represents a year-over-year change of -0.3%.
• Revenues- Specialty Property & Casualty Insurance- Earned Premiums- Commercial Automobile: $221.5 million versus $215.67 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +29.5% change.
• Revenues- Specialty Property & Casualty Insurance- Net Investment Income: $49.6 million versus the two-analyst average estimate of $49.97 million. The reported number represents a year-over-year change of +6.4%.
• Revenues- Specialty Property & Casualty Insurance- Other Income: $2.7 million versus $1.1 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +107.7% change.
• Revenues- Specialty Property & Casualty Insurance- Total: $1.06 billion versus the two-analyst average estimate of $1.04 billion. The reported number represents a year-over-year change of +16.7%.
• Revenues- Specialty Property & Casualty Insurance- Earned Premiums- Personal Automobile: $789.3 million compared to the $773.66 million average estimate based on two analysts. The reported number represents a change of +14.1% year over year.
• Revenues- Other income(loss): $3.1 million versus the two-analyst average estimate of $3.8 million. The reported number represents a year-over-year change of +3000%.
• Revenues- Life and Health Insurance- Net investment income: $44.7 million versus the two-analyst average estimate of $49.9 million. The reported number represents a year-over-year change of +46.6%.

View all Key Company Metrics for Kemper here>>>

Shares of Kemper have returned -3.4% over the past month versus the Zacks S&P 500 composite's +1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.