For the quarter ended September 2026, Kemper (KMPR Quick QuoteKMPR - Free Report) reported revenue of $1.09 billion, down 11.9% over the same period last year. EPS came in at $1.01, compared to $0.33 in the year-ago quarter.

The reported revenue represents a surprise of -0.49% over the Zacks Consensus Estimate of $1.1 billion. With the consensus EPS estimate being $0.66, the EPS surprise was +53.03%.

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:

• Specialty Property & Casualty Insurance - Personal Automobile Insurance - Total Incurred Loss and LAE Ratio: 76.8% compared to the 80.5% average estimate based on two analysts.
• Specialty Property & Casualty Insurance - Commercial Automobile Insurance - Total Incurred Loss and LAE Ratio: 81.4% compared to the 78.8% average estimate based on two analysts.
• Specialty Property & Casualty Insurance - Combined Ratio: 99.2% compared to the 101% average estimate based on two analysts.
• Specialty Property & Casualty Insurance - Total Incurred Loss and LAE Ratio: 78.2% versus 80% estimated by two analysts on average.
• Revenues- Earned Premiums: $983.4 million versus the three-analyst average estimate of $988.31 million. The reported number represents a year-over-year change of -13.2%.
• Revenues- Net Investment Income: $107.3 million versus the three-analyst average estimate of $107.2 million. The reported number represents a year-over-year change of +2.4%.
• Revenues- Specialty Property & Casualty Insurance- Earned Premiums: $857.9 million versus the three-analyst average estimate of $882.68 million. The reported number represents a year-over-year change of -15.7%.
• Revenues- Specialty Property & Casualty Insurance- Total: $917.4 million versus the two-analyst average estimate of $937.53 million. The reported number represents a year-over-year change of -14.6%.
• Revenues- Specialty Property & Casualty Insurance- Earned Premiums- Personal Automobile: $599.9 million compared to the $617.89 million average estimate based on two analysts. The reported number represents a change of -23.6% year over year.
• Revenues- Specialty Property & Casualty Insurance- Earned Premiums- Commercial Automobile: $258 million compared to the $263.13 million average estimate based on two analysts. The reported number represents a change of +11.1% year over year.
• Revenues- Specialty Property & Casualty Insurance- Other Income: $1 million compared to the $1.4 million average estimate based on two analysts. The reported number represents a change of -60% year over year.
• Revenues- Life Insurance- Earned Premiums: $115.7 million versus the two-analyst average estimate of $102.01 million. The reported number represents a year-over-year change of +15.9%.

View all Key Company Metrics for Kemper here>>>

Shares of Kemper have returned +23.9% over the past month versus the Zacks S&P 500 composite's -5.6% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.