Kemper (KMPR) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Kemper reported revenue of $1.23 billion for the quarter ended June 2025, reflecting an 8.9% increase year-over-year, and EPS of $1.30, down from $1.42 in the same quarter last year [1] - The revenue exceeded the Zacks Consensus Estimate of $1.22 billion by 0.34%, while the EPS fell short of the consensus estimate of $1.52 by 14.47% [1] Financial Performance Metrics - Total Incurred Loss and LAE Ratio for Specialty Property & Casualty Insurance - Commercial Automobile was 72.4%, better than the average estimate of 74% [4] - Total Incurred Loss and LAE Ratio for Specialty Property & Casualty Insurance - Personal Automobile was 80.4%, compared to the average estimate of 72.4% [4] - Net investment income was reported at $95.9 million, below the average estimate of $104.91 million, representing a year-over-year increase of 3.1% [4] - Earned Premiums for Specialty Property & Casualty Insurance totaled $1.01 billion, exceeding the average estimate of $991.78 million, with a year-over-year change of 17.2% [4] - Earned premiums for Life and Health Insurance were $100.5 million, slightly below the average estimate of $101.6 million, showing a year-over-year decrease of 0.3% [4] - Earned Premiums for Specialty Property & Casualty Insurance - Commercial Automobile reached $221.5 million, surpassing the average estimate of $215.67 million, marking a 29.5% increase year-over-year [4] - Earned Premiums for Specialty Property & Casualty Insurance - Personal Automobile were $789.3 million, exceeding the average estimate of $773.66 million, with a year-over-year change of 14.1% [4] - Other income was reported at $3.1 million, below the average estimate of $3.8 million, with a year-over-year change of 3000% [4] - Net investment income for Life and Health Insurance was $44.7 million, below the average estimate of $49.9 million, reflecting a year-over-year increase of 46.6% [4] Stock Performance - Kemper's shares have returned -3.4% over the past month, while the Zacks S&P 500 composite increased by 1% [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]