Kemper (KMPR Quick QuoteKMPR - Free Report) reported $1.11 billion in revenue for the quarter ended March 2026, representing a year-over-year decline of 7%. EPS of $0.21 for the same period compares to $1.65 a year ago.

The reported revenue represents a surprise of -8.65% over the Zacks Consensus Estimate of $1.21 billion. With the consensus EPS estimate being $0.81, the EPS surprise was -73.99%.

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.

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% versus the two-analyst average estimate of 76.2%.
• Specialty Property & Casualty Insurance - Personal Automobile Insurance - Total Incurred Loss and LAE Ratio: 87.6% versus the two-analyst average estimate of 79.5%.
• Revenues- Life Insurance- Earned Premiums: $100.8 million versus the three-analyst average estimate of $98.76 million. The reported number represents a year-over-year change of +1.1%.
• Revenues- Specialty Property & Casualty Insurance- Earned Premiums: $885.2 million versus $1 billion estimated by three analysts on average. Compared to the year-ago quarter, this number represents a -8% change.
• Revenues- Net Investment Income: $107.1 million compared to the $107.75 million average estimate based on three analysts. The reported number represents a change of +5.8% year over year.
• Revenues- Life Insurance- Net Investment Income: $48.7 million versus the two-analyst average estimate of $48.35 million. The reported number represents a year-over-year change of +0.6%.
• Revenues- Specialty Property & Casualty Insurance- Total: $943.2 million versus $1.04 billion estimated by two analysts on average. Compared to the year-ago quarter, this number represents a -7% change.
• Revenues- Specialty Property & Casualty Insurance- Earned Premiums- Personal Automobile: $647 million versus the two-analyst average estimate of $728.37 million. The reported number represents a year-over-year change of -14.2%.
• Revenues- Specialty Property & Casualty Insurance- Earned Premiums- Commercial Automobile: $238.2 million compared to the $250.82 million average estimate based on two analysts. The reported number represents a change of +14.2% year over year.
• Revenues- Life Insurance- Total: $149.8 million compared to the $146.29 million average estimate based on two analysts. The reported number represents a change of +0.7% year over year.
• Revenues- Specialty Property & Casualty Insurance- Net Investment Income: $55.3 million versus the two-analyst average estimate of $58.32 million. The reported number represents a year-over-year change of +9.5%.
• Revenues- Earned Premiums: $999.3 million compared to the $1.1 billion average estimate based on two analysts. The reported number represents a change of -8.1% year over year.

View all Key Company Metrics for Kemper here>>>

Shares of Kemper have returned +3.5% over the past month versus the Zacks S&P 500 composite's +10.3% 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.