Compared to Estimates, Kemper (KMPR) Q3 Earnings: A Look at Key Metrics

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.Zacks Names #1 Semiconductor StockThis under-the-radar company specializes in semiconductor products that titans like NVIDIA don't build. It's uniquely positioned to take advantage of the next growth stage of this market. And it's just beginning to enter the spotlight, which is exactly where you want to be.With strong earnings growth and an expanding customer base, it's positioned to feed the rampant demand for Artificial Intelligence, Machine Learning, and Internet of Things. Global semiconductor manufacturing is projected to explode from $452 billion in 2021 to $971 billion by 2028.See This Stock Now for Free >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Kemper Corporation (KMPR): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks