Kemper (KMPR) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates

Core Insights - Kemper reported $1.18 billion in revenue for Q4 2024, a year-over-year increase of 1.4%, with an EPS of$ 1.78 compared to $0.78 a year ago, indicating strong earnings growth [1] - The revenue exceeded the Zacks Consensus Estimate by 1.30%, while the EPS surprise was 28.99% above the consensus estimate [1] Financial Performance Metrics - Total Incurred Loss and LAE Ratio for Commercial Automobile Insurance was 78%, higher than the average estimate of 73.8% [4] - Total Incurred Loss and LAE Ratio for Personal Automobile Insurance was 68.4%, better than the average estimate of 70.6% [4] - Net investment income was reported at$ 103 million, below the average estimate of $111.69 million, reflecting a year-over-year decline of 1.5% [4] - Earned premiums totaled$ 1.08 billion, slightly above the estimated $1.06 billion, marking a 1.7% increase year-over-year [4] - Specialty Property & Casualty Insurance earned premiums reached$ 954.80 million, exceeding the estimate of $919.42 million, with a year-over-year increase of 10.3% [4] - Specialty Property & Casualty Insurance net investment income was$ 49.90 million, below the average estimate of $53.04 million, but showed a year-over-year increase of 17.1% [4] - Other income from Specialty Property & Casualty Insurance was$ 0.90 million, below the estimate of $1.10 million, reflecting a significant year-over-year decline of 30.8% [4] - Life and Health Insurance net investment income was$ 45.50 million, slightly below the estimate of $46.15 million, with a year-over-year decrease of 3.4% [4] - Earned premiums for Personal Automobile Insurance were$ 753.30 million, exceeding the estimate of $727.77 million, with a year-over-year increase of 7.7% [4] - Earned premiums for Commercial Automobile Insurance were$ 201.50 million, surpassing the estimate of $191.70 million, reflecting a year-over-year increase of 21.2% [4] - Total Life and Health Insurance revenue was$ 141.10 million, above the estimate of $138.83 million, indicating a year-over-year increase of 7.4% [4] - Earned premiums for Life and Health Insurance were$ 95.20 million, exceeding the estimate of $92.63 million, with a year-over-year increase of 13.3% [4] Stock Performance - Kemper's shares returned +2.2% over the past month, outperforming the Zacks S&P 500 composite's +1.7% change [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]