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KemperFRA:UI2 -6.45%60 Earnings Yield (Joel Greenblatt) % is 2.63% as of Mar. 2026, which is 43% below its 10-year median of 4.60. GuruFocus rates FRA:UI2 with a GF Score™ of 60/100 and a GF Value™ of €45.45 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 512 Insurance companies, Kemper ranks worse than 61.13% on this metric.
Kemper's Enterprise Value for the quarter that ended in Mar. 2026 was €2,218 Mil.
Kemper's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 was €61 Mil. Kemper's Earnings Yield (Joel Greenblatt) for the quarter that ended in Mar. 2026 was 2.63%.
The historical rank and industry rank for Kemper's Earnings Yield (Joel Greenblatt) % or its related term are showing as below:
FRA:UI2'
s Earnings Yield (Joel Greenblatt) % Range Over the Past 10 Years
Min: -11.59 Med: 4.6 Max: 15.37
Current: 2.75
During the past 13 years, the highest Earnings Yield (Joel Greenblatt) of Kemper was 15.37%. The lowest was -11.59%. And the median was 4.60%.
FRA:UI2's Earnings Yield (Joel Greenblatt) % is ranked worse than 61.13% of 512
companies
in the Insurance industry
Industry Median: 7.19
vs FRA:UI2: 2.75
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
A better indicator of the attractiveness of an investment which takes growth into account is the Forward Rate of Return (Yacktman) %. Kemper's Forward Rate of Return (Yacktman) % for the quarter that ended in Mar. 2026 was 0.00%. The Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Joel Greenblatt defines the earnings yield using the above equation because it more accurately reflects the company's profitability relative to its stock price. Items like interest payment and tax etc. are not directly related to the company's operational profitability.
Enterprise Value instead of market cap (share price) is used in the calculation because it is the real price stock and bond investors together pay for the company.
Be Aware
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
Kemper Earnings Yield (Joel Greenblatt) % Related Terms
Kemper Earnings Yield (Joel Greenblatt) % Historical Data
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The historical data trend for Kemper's Earnings Yield (Joel Greenblatt) % 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.
For the Insurance - Property & Casualty subindustry, Kemper's Earnings Yield (Joel Greenblatt) %, along with its competitors' market caps and Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % vs Insurance Industry
For the Insurance industry and Financial Services sector, Kemper's Earnings Yield (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Kemper's Earnings Yield (Joel Greenblatt) % falls into.
In his book, The Little That Beat the Market, hedge fund manager Joel Greenblatt defines Earnings Yield as operating income divided by enterprise value.
Kempers Earnings Yield (Joel Greenblatt) for the fiscal year that ended in Dec. 2025 is calculated as
Kemper's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €61 Mil.
What does a Earnings Yield (Joel Greenblatt) % of 2.63% mean?
Kemper (FRA:UI2) has a Earnings Yield (Joel Greenblatt) % of 2.63% as of Mar. 2026. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Kemper and its competitors. This is 43% below median its historical median of 4.60. According to the industry distribution chart, Kemper ranks #313 out of 512 companies in the Insurance industry, placing it in the top 61.1%.
Is Kemper's Earnings Yield (Joel Greenblatt) % too high?
Kemper's current Earnings Yield (Joel Greenblatt) % of 2.63% is 43% below median its 10-year median of 4.60. The Insurance industry median Earnings Yield (Joel Greenblatt) % is 7.19. Kemper's value of 2.63% is 63.4% below this industry median. Based on the distribution chart, Kemper ranks #313 out of 512 companies in the Insurance industry, which is below the industry midpoint. Overall, Kemper has a GF Score™ of 60/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kemper's Earnings Yield (Joel Greenblatt) % compare to PRCH and UFCS?
According to the Insurance industry distribution chart, Kemper ranks #313 out of 512 companies for Earnings Yield (Joel Greenblatt) %. This places Kemper in the lower half of its industry. The industry median Earnings Yield (Joel Greenblatt) % is 7.19. Kemper's value of 2.63% is 63.4% below this benchmark. While the company's 10-year median is 4.60 vs. the industry median of 7.19, 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 Earnings Yield (Joel Greenblatt) % for an Insurance company?
The median Earnings Yield (Joel Greenblatt) % among Insurance companies is 7.19, based on 512 companies in the industry. Companies in the top quartile (top 25%) have a Earnings Yield (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, Earnings Yield (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kemper's current Earnings Yield (Joel Greenblatt) % of 2.63% is 63.4% 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 Earnings Yield (Joel Greenblatt) % mean?
A high Earnings Yield (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Kemper and its competitors. For the Insurance industry, the median Earnings Yield (Joel Greenblatt) % is 7.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kemper's current Earnings Yield (Joel Greenblatt) % is 2.63%, which is 43% below median its own 10-year median of 4.60. 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 €45.45, compared to a current price of €23.20 — trading 49% below its estimated fair value. The current Earnings Yield (Joel Greenblatt) % is 2.63%, which is 43% below median its 10-year median of 4.60 and 63.4% below the Insurance industry median of 7.19. Kemper's overall GF Score™ is 60/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings Yield (Joel Greenblatt) % calculated?
Earnings Yield (Joel Greenblatt) % is calculated from a company's financial statements. For Kemper (FRA:UI2), the current Earnings Yield (Joel Greenblatt) % is 2.63% 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 €23.20 is trading 49% below its estimated GF Value™ of €45.45.
GuruFocus considers Kemper to be Significantly Undervalued.
Key valuation signals for FRA:UI2:
Earnings Yield (Joel Greenblatt) %: 2.63% (43% below median its 10-year median of 4.60)
GF Value™: €45.45 vs. price of €23.20 (49% below fair value)
Industry Position: 63.4% below the Insurance median (#313 of 512)
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.
60GF Score
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Earnings Yield (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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