Kemper (KMPR) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates

For the quarter ended June 2026, Kemper (KMPR) reported revenue of $1.12 billion, down 8.9% over the same period last year. EPS came in at $0.45, compared to $1.30 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $1.23 billion, representing a surprise of -9.5%. The company delivered an EPS surprise of +40.63%, with the consensus EPS estimate being $0.32.

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.

• Specialty Property & Casualty Insurance - Commercial Automobile Insurance - Total Incurred Loss and LAE Ratio: 83.6% versus 77.7% estimated by two analysts on average.
• Specialty Property & Casualty Insurance - Combined Ratio: 104% versus the two-analyst average estimate of 105.1%.
• Specialty Property & Casualty Insurance - Total Incurred Loss and LAE Ratio: 83.4% versus 83.3% estimated by two analysts on average.
• Specialty Property & Casualty Insurance - Insurance Expense Ratio: 20.6% versus the two-analyst average estimate of 21.8%.
• Revenues- Life Insurance- Earned Premiums: $102.7 million compared to the $101.77 million average estimate based on three analysts. The reported number represents a change of +2.2% year over year.
• Revenues- Specialty Property & Casualty Insurance- Earned Premiums: $896.6 million versus the three-analyst average estimate of $1.01 billion. The reported number represents a year-over-year change of -11.3%.
• Revenues- Earned Premiums: $1.01 billion versus the three-analyst average estimate of $1.13 billion. The reported number represents a year-over-year change of -10.5%.
• Revenues- Net Investment Income: $105.4 million versus the three-analyst average estimate of $106.57 million. The reported number represents a year-over-year change of +9.9%.
• Revenues- Specialty Property & Casualty Insurance- Earned Premiums- Personal Automobile: $647.4 million versus $797.59 million estimated by two analysts on average. Compared to the year-ago quarter, this number represents a -18% change.
• Revenues- Specialty Property & Casualty Insurance- Earned Premiums- Commercial Automobile: $249.2 million compared to the $256.52 million average estimate based on two analysts. The reported number represents a change of +12.5% year over year.
• Revenues- Life Insurance- Total: $152.4 million versus the two-analyst average estimate of $151.45 million. The reported number represents a year-over-year change of +4.7%.
• Revenues- Specialty Property & Casualty Insurance- Total: $951.6 million compared to the $1.11 billion average estimate based on two analysts. The reported number represents a change of -10.5% year over year.

View all Key Company Metrics for Kemper here>>>

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