Kemper(US:KMPR) ZACKSยท2025-05-08 02:00Core Insights - Kemper reported revenue of $1.19 billion for the quarter ended March 2025, reflecting a 5% increase year-over-year, while EPS rose to $1.65 from $1.07 in the previous year [1] - The revenue fell short of the Zacks Consensus Estimate of $1.23 billion, resulting in a surprise of -3.56%, whereas the EPS exceeded expectations by +11.49% against a consensus estimate of $1.48 [1] Financial Performance Metrics - Total Incurred Loss and LAE Ratio for Specialty Property & Casualty Insurance - Commercial Automobile was reported at 76.9%, higher than the estimated 74.9% [4] - Total Incurred Loss and LAE Ratio for Specialty Property & Casualty Insurance - Personal Automobile was reported at 69.9%, better than the estimated 72% [4] - Earned premiums for Life and Health Insurance were $99.70 million, surpassing the average estimate of $97.26 million, marking a year-over-year increase of +2.5% [4] - Earned Premiums for Specialty Property & Casualty Insurance were $962.20 million, below the average estimate of $980.22 million, but showing a year-over-year increase of +14.6% [4] - Net investment income for Specialty Property & Casualty Insurance was $101.20 million, lower than the estimated $106.71 million, with a year-over-year change of +0.8% [4] - Net investment income for Life and Health Insurance was $48.40 million, exceeding the estimate of $46.75 million, reflecting a +9.3% year-over-year change [4] - Earned Premiums for Personal Automobile within Specialty Property & Casualty Insurance were $753.70 million, below the estimate of $789.32 million, with a year-over-year increase of +11.6% [4] - Earned Premiums for Commercial Automobile within Specialty Property & Casualty Insurance were $208.50 million, slightly above the estimate of $202.42 million, showing a significant year-over-year increase of +26.6% [4] - Total revenues for Life and Health Insurance were $148.80 million, surpassing the estimate of $144.04 million, indicating a +4.9% year-over-year change [4] - Other Income for Specialty Property & Casualty Insurance was $1.30 million, exceeding the estimate of $1.15 million, with a year-over-year increase of +18.2% [4] - Net Investment Income for Specialty Property & Casualty Insurance was $50.50 million, slightly below the estimate of $51.32 million, reflecting a year-over-year increase of +22.9% [4] - Overall earned premiums were reported at $1.09 billion, below the two-analyst average estimate of $1.12 billion, with a year-over-year change of +5.4% [4] Stock Performance - Kemper's shares have returned +9.1% over the past month, compared to a +10.6% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]