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TürkçeKemper (KMPR) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates
For the quarter ended December 2025, Kemper (KMPR) reported revenue of $1.15 billion, down 3.2% over the same period last year. EPS came in at $0.25, compared to $1.78 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $1.23 billion, representing a surprise of -6.34%. The company delivered an EPS surprise of -70.67%, with the consensus EPS estimate being $0.85.
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.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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: 76.2% versus the two-analyst average estimate of 79.2%. Specialty Property & Casualty Insurance - Personal Automobile Insurance - Total Incurred Loss and LAE Ratio: 87.3% versus 77% estimated by two analysts on average. Revenues- Net investment income: $103.1 million versus the three-analyst average estimate of $107.65 million. The reported number represents a year-over-year change of +0.1%. Revenues- Specialty Property & Casualty Insurance- Earned Premiums: $935.4 million compared to the $1.01 billion average estimate based on three analysts. The reported number represents a change of -2% year over year. Revenues- Life and Health Insurance- Earned premiums: $93.4 million versus $98.25 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a -1.9% change. Revenues- Specialty Property & Casualty Insurance- Other Income: $2.4 million versus $1.4 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +166.7% change. Revenues- Specialty Property & Casualty Insurance- Total: $995.1 million compared to the $1.06 billion average estimate based on two analysts. The reported number represents a change of -1.1% year over year. Revenues- Specialty Property & Casualty Insurance- Earned Premiums- Personal Automobile: $696.8 million versus $763.86 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a -7.5% change. Revenues- Specialty Property & Casualty Insurance- Earned Premiums- Commercial Automobile: $238.6 million versus $241.69 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a +18.4% change. Revenues- Earned premiums: $1.04 billion compared to the $1.12 billion average estimate based on two analysts. The reported number represents a change of -3.5% year over year. Revenues- Other income(loss): $-10.6 million versus $3.65 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a -688.9% change. Revenues- Specialty Property & Casualty Insurance- Net Investment Income: $57.3 million compared to the $54.47 million average estimate based on two analysts. The reported number represents a change of +14.8% year over year.View all Key Company Metrics for Kemper here>>>
Shares of Kemper have returned -4.9% over the past month versus the Zacks S&P 500 composite's +0.9% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.Free Report: Profiting from the 2nd Wave of AI Explosion
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This article originally published on Zacks Investment Research (zacks.com).