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KemperFRA:UI2 +1.82%49 3-Year Book Growth Rate is 3.00% as of Jun. 2026, which is 9% below its 10-year median of 3.30. GuruFocus rates FRA:UI2 with a GF Score™ of 49/100 and a GF Value™ of €45.46. The stock has 4 warning signs investors should review. Among 479 Insurance companies, Kemper ranks worse than 76.83% on this metric.
During the past 12 months, Kemper's average Book Value per Share Growth Rate was -19.90% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 3.00% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -8.90% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 0.90% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Kemper was 19.30% per year. The lowest was -17.60% per year. And the median was 3.30% per year.
Kemper (FRA:UI2) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Kemper 3-Year Book Growth Rate Related Terms
FRA:UI2 vs SAFT, STC, UFCS: 3-Year Book Growth Rate Comparison
For the Insurance - Property & Casualty subindustry, Kemper's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Kemper 3-Year Book Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Kemper's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Kemper's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 3.00% mean?
Kemper (FRA:UI2) has a 3-Year Book Growth Rate of 3.00% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Kemper and its competitors. This is near median its historical median of 3.30. According to the industry distribution chart, Kemper ranks #368 out of 479 companies in the Insurance industry, placing it in the top 76.8%.
Is Kemper's 3-Year Book Growth Rate too high?
Kemper's current 3-Year Book Growth Rate of 3.00% is near median its 10-year median of 3.30. The Insurance industry median 3-Year Book Growth Rate is 8.50. Kemper's value of 3.00% is 64.7% below this industry median. Based on the distribution chart, Kemper ranks #368 out of 479 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Kemper has a GF Score™ of 49/100, reflecting its overall financial health beyond just this single metric.
How does Kemper's 3-Year Book Growth Rate compare to SAFT and STC?
According to the Insurance industry distribution chart, Kemper ranks #368 out of 479 companies for 3-Year Book Growth Rate. This places Kemper in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.50. Kemper's value of 3.00% is 64.7% below this benchmark. While the company's 10-year median is 3.30 vs. the industry median of 8.50, Kemper has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for an Insurance company?
The median 3-Year Book Growth Rate among Insurance companies is 8.50, based on 479 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kemper's current 3-Year Book Growth Rate of 3.00% is 64.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Kemper and its competitors. For the Insurance industry, the median 3-Year Book Growth Rate is 8.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kemper's current 3-Year Book Growth Rate is 3.00%, which is near median its own 10-year median of 3.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kemper stock overvalued right now?
Kemper (FRA:UI2) has a current 3-Year Book Growth Rate of 3.00%. The stock's GF Value™ is €45.46, compared to a current price of €22.40 — trading 50.7% below its estimated fair value. The current 3-Year Book Growth Rate is 3.00%, which is near median its 10-year median of 3.30 and 64.7% below the Insurance industry median of 8.50. Kemper's overall GF Score™ is 49/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Kemper (FRA:UI2), the current 3-Year Book Growth Rate is 3.00% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Kemper (FRA:UI2) Overvalued in 2026?
Based on GuruFocus' analysis, Kemper stock appears to be undervalued.
The current stock price of €22.40 is trading 50.7% below its estimated GF Value™ of €45.46.
Key valuation signals for FRA:UI2:
3-Year Book Growth Rate: 3.00% (near median its 10-year median of 3.30)
GF Value™: €45.46 vs. price of €22.40 (50.7% below fair value)
Industry Position: 64.7% below the Insurance median (#368 of 479)
No single metric tells the full story. See the FRA:UI2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Kemper Corp is an insurance holding company that offers complementary insurance products through its subsidiaries, including personal and commercial automobile insurance to consumers in targeted markets and industries. Kemper also offers life and other insurance solutions based on the needs of its clients. The company offers its insurance products through a vast network of agents and brokers, mainly under the Kemper Auto and Kemper Life brands. It has two operating segments: Specialty Property & Casualty Insurance and Life Insurance. The majority of the company's revenue is generated from the Specialty Property & Casualty Insurance segment, whose principal products are specialty personal automobile and commercial automobile insurance. Geographically, it operates only in the United States.
49GF Score
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