KemperFRA:UI2 56 Debt-to-EBITDA is 18.15 as of Mar. 2026, which is 777% above its 10-year median of 2.07. GuruFocus rates FRA:UI2 with a GF Score™ of 56/100 and a GF Value™ of €46.41 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 322 Insurance companies, Kemper ranks worse than 94.72% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Kemper's Debt-to-EBITDA or its related term are showing as below:
FRA:UI2'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -10.59 Med: 2.07 Max: 11.15
Current: 6.61
During the past 13 years, the highest Debt-to-EBITDA Ratio of Kemper was 11.15. The lowest was -10.59. And the median was 2.07.
FRA:UI2's Debt-to-EBITDA is ranked worse than 94.72% of 322
companies
in the Insurance industry
Industry Median: 1.175
vs FRA:UI2: 6.61
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Kemper Debt-to-EBITDA Related Terms
Kemper Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Kemper's Debt-to-EBITDA 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.
FRA:UI2 vs PRCH, UFCS, PRA: Debt-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, Kemper's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Kemper's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Kemper's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Kemper (FRA:UI2) has a Debt-to-EBITDA of 18.15 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Kemper. This is 777% above median its historical median of 2.07. According to the industry distribution chart, Kemper ranks #305 out of 322 companies in the Insurance industry, placing it in the top 94.7%.
Is Kemper's Debt-to-EBITDA too high?
Kemper's current Debt-to-EBITDA of 18.15 is 777% above median its 10-year median of 2.07. The Insurance industry median Debt-to-EBITDA is 1.18. Kemper's value of 18.15 is 1444.7% above this industry median. Based on the distribution chart, Kemper ranks #305 out of 322 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Kemper has a GF Score™ of 56/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kemper's Debt-to-EBITDA compare to PRCH and UFCS?
According to the Insurance industry distribution chart, Kemper ranks #305 out of 322 companies for Debt-to-EBITDA. This places Kemper in the lower half of its industry. The industry median Debt-to-EBITDA is 1.18. Kemper's value of 18.15 is 1444.7% above this benchmark. While the company's 10-year median is 2.07 vs. the industry median of 1.18, Kemper has consistently been above 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 Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.18, based on 322 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kemper's current Debt-to-EBITDA of 18.15 is 1444.7% above 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Kemper. For the Insurance industry, the median Debt-to-EBITDA is 1.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kemper's current Debt-to-EBITDA is 18.15, which is 777% above median its own 10-year median of 2.07. 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?
Based on GuruFocus' analysis, Kemper (FRA:UI2) is currently considered Significantly Undervalued. The stock's GF Value™ is €46.41, compared to a current price of €24.80 — trading 46.6% below its estimated fair value. The current Debt-to-EBITDA is 18.15, which is 777% above median its 10-year median of 2.07 and 1444.7% above the Insurance industry median of 1.18. Kemper's overall GF Score™ is 56/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Kemper (FRA:UI2), the current Debt-to-EBITDA is 18.15 as of Mar. 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 €24.80 is trading 46.6% below its estimated GF Value™ of €46.41.
GuruFocus considers Kemper to be Significantly Undervalued.
Key valuation signals for FRA:UI2:
Debt-to-EBITDA: 18.15 (777% above median its 10-year median of 2.07)
GF Value™: €46.41 vs. price of €24.80 (46.6% below fair value)
Industry Position: 1444.7% above the Insurance median (#305 of 322)
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.
56GF Score
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