KemperBSP:KMPR34 55 EV-to-FCF is 11.79 as of Jul. 04, 2026, which is 1% below its 10-year median of 11.89. GuruFocus rates BSP:KMPR34 with a GF Score™ of 55/100 and a GF Value™ of R$410.30. The stock has 4 warning signs investors should review. Among 395 Insurance companies, Kemper ranks better than 71.39% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Kemper's Enterprise Value is R$29,302 Mil.
Kemper's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was R$2,484 Mil. Therefore, Kemper's EV-to-FCF for today is 11.79.
The historical rank and industry rank for Kemper's EV-to-FCF or its related term are showing as below:
BSP:KMPR34'
s EV-to-FCF Range Over the Past 10 Years
Min: -128.16 Med: 11.89 Max: 49.86
Current: 5.52
During the past 13 years, the highest EV-to-FCF of Kemper was 49.86. The lowest was -128.16. And the median was 11.89.
BSP:KMPR34's EV-to-FCF is ranked better than 71.39% of 395
companies
in the Insurance industry
Industry Median: 9.32
vs BSP:KMPR34: 5.52
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
As of today (2026-07-04), Kemper's stock price is R$212.10.
Kemper's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was R$1.761. Therefore, Kemper's PE Ratio (TTM) for today is 120.44.
Kemper (BSP:KMPR34) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 R$212.10.
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 R$1.761.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Kemper EV-to-FCF Related Terms
Kemper EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Kemper's EV-to-FCF 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.
BSP:KMPR34 vs PRCH, UFCS, PRA: EV-to-FCF Comparison
For the Insurance - Property & Casualty subindustry, Kemper's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Kemper's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Kemper's EV-to-FCF falls into.
Kemper's current Enterprise Value is R$29,302 Mil.
Kemper's Free Cash Flow 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 R$2,484 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 (BSP:KMPR34) has a EV-to-FCF of 11.79 as of Jul. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Kemper and its competitors. This is near median its historical median of 11.89. According to the industry distribution chart, Kemper ranks #113 out of 395 companies in the Insurance industry, placing it in the top 28.6%.
Is Kemper's EV-to-FCF too high?
Kemper's current EV-to-FCF of 11.79 is near median its 10-year median of 11.89. The Insurance industry median EV-to-FCF is 9.32. Kemper's value of 11.79 is 26.5% above this industry median. Based on the distribution chart, Kemper ranks #113 out of 395 companies in the Insurance industry, which is above the industry midpoint. Overall, Kemper has a GF Score™ of 55/100, reflecting its overall financial health beyond just this single metric.
How does Kemper's EV-to-FCF compare to PRCH and UFCS?
According to the Insurance industry distribution chart, Kemper ranks #113 out of 395 companies for EV-to-FCF. This puts Kemper in the upper half of its industry. The industry median EV-to-FCF is 9.32. Kemper's value of 11.79 is 26.5% above this benchmark. While the company's 10-year median is 11.89 vs. the industry median of 9.32, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.32, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kemper's current EV-to-FCF of 11.79 is 26.5% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Kemper and its competitors. For the Insurance industry, the median EV-to-FCF is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kemper's current EV-to-FCF is 11.79, which is near median its own 10-year median of 11.89. 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?
Kemper (BSP:KMPR34) has a current EV-to-FCF of 11.79. The stock's GF Value™ is R$410.30, compared to a current price of R$212.10 — trading 48.3% below its estimated fair value. The current EV-to-FCF is 11.79, which is near median its 10-year median of 11.89 and 26.5% above the Insurance industry median of 9.32. Kemper's overall GF Score™ is 55/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Kemper (BSP:KMPR34), the current EV-to-FCF is 11.79 as of Jul. 04, 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 (BSP:KMPR34) Overvalued in 2026?
Based on GuruFocus' analysis, Kemper stock appears to be undervalued.
The current stock price of R$212.10 is trading 48.3% below its estimated GF Value™ of R$410.30.
Key valuation signals for BSP:KMPR34:
EV-to-FCF: 11.79 (near median its 10-year median of 11.89)
GF Value™: R$410.30 vs. price of R$212.10 (48.3% below fair value)
Industry Position: 26.5% above the Insurance median (#113 of 395)
No single metric tells the full story. See the BSP:KMPR34 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.
55GF Score
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