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KemperFRA:UI2 -5.60%56 EV-to-EBITDA is 17.33 as of Jul. 16, 2026, which is 79% above its 10-year median of 9.70. 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 347 Insurance companies, Kemper ranks worse than 85.59% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Kemper's enterprise value is €2,140 Mil.
Kemper's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was €123 Mil. Therefore, Kemper's EV-to-EBITDA for today is 17.33.
The historical rank and industry rank for Kemper's EV-to-EBITDA or its related term are showing as below:
FRA:UI2'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -119.34 Med: 9.7 Max: 242.29
Current: 16.48
During the past 13 years, the highest EV-to-EBITDA of Kemper was 242.29. The lowest was -119.34. And the median was 9.70.
FRA:UI2's EV-to-EBITDA is ranked worse than 85.59% of 347
companies
in the Insurance industry
Industry Median: 8.23
vs FRA:UI2: 16.48
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
As of today (2026-07-16), Kemper's stock price is €23.60.
Kemper's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was €0.544. Therefore, Kemper's PE Ratio (TTM) for today is 43.38.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
Kemper (FRA:UI2) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Kemper's share price for today is €23.60.
Kemper's Earnings per Share (Diluted) 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 €0.544.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Kemper's EV-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: EV-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, Kemper's EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Kemper's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Kemper's EV-to-EBITDA falls into.
Kemper's current Enterprise Value is €2,140 Mil.
Kemper's EBITDA 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 €123 Mil.
* 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 EV-to-EBITDA of 17.33 as of Jul. 16, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Kemper. This is 79% above median its historical median of 9.70. According to the industry distribution chart, Kemper ranks #297 out of 347 companies in the Insurance industry, placing it in the top 85.6%.
Is Kemper's EV-to-EBITDA too high?
Kemper's current EV-to-EBITDA of 17.33 is 79% above median its 10-year median of 9.70. The Insurance industry median EV-to-EBITDA is 8.23. Kemper's value of 17.33 is 110.6% above this industry median. Based on the distribution chart, Kemper ranks #297 out of 347 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 EV-to-EBITDA compare to PRCH and UFCS?
According to the Insurance industry distribution chart, Kemper ranks #297 out of 347 companies for EV-to-EBITDA. This places Kemper in the lower half of its industry. The industry median EV-to-EBITDA is 8.23. Kemper's value of 17.33 is 110.6% above this benchmark. While the company's 10-year median is 9.70 vs. the industry median of 8.23, 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 EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.23, based on 347 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kemper's current EV-to-EBITDA of 17.33 is 110.6% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Kemper. For the Insurance industry, the median EV-to-EBITDA is 8.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kemper's current EV-to-EBITDA is 17.33, which is 79% above median its own 10-year median of 9.70. 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 EV-to-EBITDA is 17.33, which is 79% above median its 10-year median of 9.70 and 110.6% above the Insurance industry median of 8.23. 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 EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Kemper (FRA:UI2), the current EV-to-EBITDA is 17.33 as of Jul. 16, 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:
EV-to-EBITDA: 17.33 (79% above median its 10-year median of 9.70)
GF Value™: €48.30 vs. price of €23.60 (51.1% below fair value)
Industry Position: 110.6% above the Insurance median (#297 of 347)
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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EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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