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KemperFRA:UI2 +2.68%47 Cash-to-Debt is 0.09 as of Jun. 2026, which is 31% below its 10-year median of 0.13. GuruFocus rates FRA:UI2 with a GF Score™ of 47/100 and a GF Value™ of €45.40. The stock has 4 warning signs investors should review. Among 491 Insurance companies, Kemper ranks worse than 94.7% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Kemper's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.09.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Kempercouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Kemper's Cash-to-Debt or its related term are showing as below:
FRA:UI2'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04 Med: 0.13 Max: 0.68
Current: 0.09
During the past 13 years, Kemper's highest Cash to Debt Ratio was 0.68. The lowest was 0.04. And the median was 0.13.
FRA:UI2's Cash-to-Debt is ranked worse than 94.7% of 491
companies
in the Insurance industry
Industry Median: 2.05
vs FRA:UI2: 0.09
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Kemper Cash-to-Debt Related Terms
Kemper Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Kemper's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
FRA:UI2 vs SAFT, STC, UFCS: Cash-to-Debt Comparison
For the Insurance - Property & Casualty subindustry, Kemper's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, Kemper's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Kemper's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Kemper (FRA:UI2) has a Cash-to-Debt of 0.09 as of Jun. 2026. This is 31% below median its historical median of 0.13. Over the past decade, Kemper's Cash-to-Debt has ranged from 0.04 to 0.68. According to the industry distribution chart, Kemper ranks #465 out of 491 companies in the Insurance industry, placing it in the top 94.7%.
Is Kemper's Cash-to-Debt too high?
Kemper's current Cash-to-Debt of 0.09 is 31% below median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.68. The Insurance industry median Cash-to-Debt is 2.05. Kemper's value of 0.09 is 95.6% below this industry median. Based on the distribution chart, Kemper ranks #465 out of 491 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Kemper has a GF Score™ of 47/100, reflecting its overall financial health beyond just this single metric.
How does Kemper's Cash-to-Debt compare to SAFT and STC?
According to the Insurance industry distribution chart, Kemper ranks #465 out of 491 companies for Cash-to-Debt. This places Kemper in the lower half of its industry. The industry median Cash-to-Debt is 2.05. Kemper's value of 0.09 is 95.6% below this benchmark. Historically, Kemper's own Cash-to-Debt has ranged from 0.04 to 0.68 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 2.05, 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 Cash-to-Debt for an Insurance company?
The median Cash-to-Debt among Insurance companies is 2.05, based on 491 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kemper's current Cash-to-Debt of 0.09 is 95.6% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median Cash-to-Debt is 2.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kemper's current Cash-to-Debt is 0.09, which is 31% below median its own 10-year median of 0.13. 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 Cash-to-Debt of 0.09. The stock's GF Value™ is €45.40, compared to a current price of €23.00 — trading 49.3% below its estimated fair value. The current Cash-to-Debt is 0.09, which is 31% below median its 10-year median of 0.13 and 95.6% below the Insurance industry median of 2.05. Kemper's overall GF Score™ is 47/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Kemper (FRA:UI2), the current Cash-to-Debt is 0.09 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 €23.00 is trading 49.3% below its estimated GF Value™ of €45.40.
Key valuation signals for FRA:UI2:
Cash-to-Debt: 0.09 (31% below median its 10-year median of 0.13)
GF Value™: €45.40 vs. price of €23.00 (49.3% below fair value)
Industry Position: 95.6% below the Insurance median (#465 of 491)
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.
47GF Score
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