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KemperFRA:UI2 -5.60%56 Debt-to-Equity is 0.36 as of Mar. 2026, which is 3% above its 10-year median of 0.35. GuruFocus rates FRA:UI2 with a GF Score™ of 56/100 and a GF Value™ of €48.30 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 407 Insurance companies, Kemper ranks worse than 71.5% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Kemper's Debt-to-Equity or its related term are showing as below:
FRA:UI2'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.19 Med: 0.35 Max: 0.59
Current: 0.36
During the past 13 years, the highest Debt-to-Equity Ratio of Kemper was 0.59. The lowest was 0.19. And the median was 0.35.
FRA:UI2's Debt-to-Equity is ranked worse than 71.5% of 407
companies
in the Insurance industry
Industry Median: 0.2
vs FRA:UI2: 0.36
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Kemper Debt-to-Equity Related Terms
Kemper Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Kemper's Debt-to-Equity 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-Equity Comparison
For the Insurance - Property & Casualty subindustry, Kemper's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Kemper's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Kemper's Debt-to-Equity 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 Debt-to-Equity of 0.36 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Kemper and its competitors. This is near median its historical median of 0.35. Over the past decade, Kemper's Debt-to-Equity has ranged from 0.19 to 0.59. According to the industry distribution chart, Kemper ranks #291 out of 407 companies in the Insurance industry, placing it in the top 71.5%.
Is Kemper's Debt-to-Equity too high?
Kemper's current Debt-to-Equity of 0.36 is near median its 10-year median of 0.35. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 0.59. The Insurance industry median Debt-to-Equity is 0.20. Kemper's value of 0.36 is 80% above this industry median. Based on the distribution chart, Kemper ranks #291 out of 407 companies in the Insurance industry, which is below the industry midpoint. 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-Equity compare to PRCH and UFCS?
According to the Insurance industry distribution chart, Kemper ranks #291 out of 407 companies for Debt-to-Equity. This places Kemper in the lower half of its industry. The industry median Debt-to-Equity is 0.20. Kemper's value of 0.36 is 80% above this benchmark. Historically, Kemper's own Debt-to-Equity has ranged from 0.19 to 0.59 over the past decade. While the company's 10-year median is 0.35 vs. the industry median of 0.20, 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-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 407 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kemper's current Debt-to-Equity of 0.36 is 80% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Kemper and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kemper's current Debt-to-Equity is 0.36, which is near median its own 10-year median of 0.35. 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 €48.30, compared to a current price of €23.60 — trading 51.1% below its estimated fair value. The current Debt-to-Equity is 0.36, which is near median its 10-year median of 0.35 and 80% above the Insurance industry median of 0.20. 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Kemper (FRA:UI2), the current Debt-to-Equity is 0.36 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 €23.60 is trading 51.1% below its estimated GF Value™ of €48.30.
GuruFocus considers Kemper to be Significantly Undervalued.
Key valuation signals for FRA:UI2:
Debt-to-Equity: 0.36 (near median its 10-year median of 0.35)
GF Value™: €48.30 vs. price of €23.60 (51.1% below fair value)
Industry Position: 80% above the Insurance median (#291 of 407)
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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