Kemper (FRA:UI2) Cyclically Adjusted PS Ratio: (As of Aug. 08, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:UI2 Kemper Corp FRA:UI2
56 GF Score
Price €24.60
GF Value €47.54
Valuation Possible Value Trap
! 3 Warning Signs
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What is Kemper Cyclically Adjusted PS Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Kemper  (FRA:UI2) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Kemper Cyclically Adjusted PS Ratio Related Terms


Kemper Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Kemper's Cyclically Adjusted PS Ratio 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.

Kemper Cyclically Adjusted PS Ratio Chart

Kemper Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.91 0.69 0.64 0.83 0.48

Kemper Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.78 0.62 0.48 0.36 0.31

FRA:UI2 vs SAFT, STC, UFCS: Cyclically Adjusted PS Ratio Comparison

For the Insurance - Property & Casualty subindustry, Kemper's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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 Cyclically Adjusted PS Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Kemper's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Kemper's Cyclically Adjusted PS Ratio falls into.


FRA:UI2
56GF Score
Kemper Corp FRA:UI2
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Kemper Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Kemper's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Kemper's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=16.052/333.9520*333.9520
=16.052

Current CPI (Jun. 2026) = 333.9520.

Kemper Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 11.166 241.428 15.445
201612 11.845 241.432 16.384
201703 11.879 243.801 16.272
201706 11.829 244.955 16.127
201709 11.231 246.819 15.196
201712 10.489 246.524 14.209
201803 10.833 249.554 14.497
201806 12.195 251.989 16.162
201809 15.506 252.439 20.513
201812 14.599 251.233 19.406
201903 16.691 254.202 21.927
201906 16.950 256.143 22.099
201909 16.712 256.759 21.736
201912 17.127 256.974 22.257
202003 16.531 258.115 21.388
202006 16.712 257.797 21.649
202009 17.113 260.280 21.957
202012 16.924 260.474 21.698
202103 17.264 264.877 21.766
202106 19.030 271.696 23.391
202109 19.150 274.310 23.314
202112 19.188 278.802 22.984
202203 19.219 287.504 22.324
202206 20.515 296.311 23.121
202209 21.406 296.808 24.085
202212 20.155 296.797 22.678
202303 18.858 301.836 20.865
202306 18.080 305.109 19.789
202309 17.404 307.789 18.883
202312 17.257 306.746 18.788
202403 16.216 312.332 17.338
202406 16.299 314.175 17.325
202409 16.231 315.301 17.191
202412 17.514 315.605 18.532
202503 17.026 319.799 17.780
202506 16.478 322.561 17.060
202509 17.127 324.800 17.610
202512 16.273 324.054 16.770
202603 16.193 330.213 16.376
202606 16.052 333.952 16.052

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

Is Kemper (FRA:UI2) Overvalued in 2026?

Based on GuruFocus' analysis, Kemper stock appears to be undervalued. The current stock price of €24.60 is trading 48.3% below its estimated GF Value™ of €47.54. GuruFocus considers Kemper to be Possible Value Trap.

Key valuation signals for FRA:UI2:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: €47.54 vs. price of €24.60 (48.3% below fair value)
  • GF Score™: 56/100 with 3 warning signs

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 Business Description

Other Exchanges KMPR:USA
Address 200 E. Randolph Street, Suite 3300, Chicago, IL, USA, 60601
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.
56GF Score

Get the complete analysis for FRA:UI2

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€24.60
Price
€47.54
GF Value