Kemper (FRA:UI2) Expense Ratio %: 0.00% (As of . 20)

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FRA:UI2 Kemper Corp FRA:UI2
55 GF Score
Price €24.80
GF Value €49.21
Valuation Significantly Undervalued
! 4 Warning Signs
View Full Analysis

What is Kemper Expense Ratio %?

Kemper FRA:UI2 +5.08% 55 Expense Ratio % is 0.00% as of . 20. GuruFocus rates FRA:UI2 with a GF Score™ of 55/100 and a GF Value™ of €49.21 (Significantly Undervalued). The stock has 4 warning signs investors should review.

Expense Ratio % is the percentage of expenses associated with acquiring, underwriting, and servicing premiums to net premium earned. It indicates the efficiency of the insurance company before considering its claims and investment gains or losses.

The historical rank and industry rank for Kemper's Expense Ratio % or its related term are showing as below:

FRA:UI2's Expense Ratio % is not ranked *
in the Insurance industry.
Industry Median:
* Ranked among companies with meaningful Expense Ratio % only.

Kemper  (FRA:UI2) Expense Ratio % Explanation

Expense Ratio % is the percentage of expenses associated with acquiring, underwriting, and servicing premiums to net premium earned. It can be used to make comparisons between insurance companies as well as measure their performance. An expense ratio below 100% suggests that the premiums an insurance company earned or wrote are more than the expenses it paid to support those premiums.

However, we should keep in mind that the ratio does not indicate an ending profitability. The overall profit is also influenced by the claims, investment gains or losses and other income. The ratio can be combined with Claims Ratio % and Combined Ratio % to get an overall performance of an insurance company.

Kemper Expense Ratio % Related Terms

Kemper Expense Ratio % Historical Data

* Premium members only.

The historical data trend for Kemper's Expense Ratio % 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.

Kemper Expense Ratio % Chart


FRA:UI2
55GF Score
Kemper Corp FRA:UI2
Expense Ratio % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Kemper  (FRA:UI2) Expense Ratio % Calculation

Expense Ratio % is calculated as:

Expense Ratio %=Expenses of Acquiring, Underwriting and Servicing Premiums / Net Premium Earned * 100%

* 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.

Frequently Asked Questions
What does a Expense Ratio % of 0.00% mean?
Kemper (FRA:UI2) has a Expense Ratio % of 0.00% as of . 20. Expense Ratio is the percentage of expenses associated with acquiring, underwriting, and servicing premiums to net premium earned. View historical data on Kemper and its competitors.
Is Kemper's Expense Ratio % too high?
Kemper's current Expense Ratio % is 0.00%. Overall, Kemper has a GF Score™ of 55/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kemper's Expense Ratio % compare to PRCH and UFCS?
Kemper's Expense Ratio % of 0.00% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Expense Ratio % for an Insurance company?
A good Expense Ratio % depends on the Insurance industry context. However, Expense Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Expense Ratio % mean?
A high Expense Ratio % can signal that a stock is expensive relative to its fundamentals. Expense Ratio is the percentage of expenses associated with acquiring, underwriting, and servicing premiums to net premium earned. View historical data on Kemper and its competitors. Kemper's current Expense Ratio % is 0.00%. 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 €49.21, compared to a current price of €24.80 — trading 49.6% below its estimated fair value. The current Expense Ratio % is 0.00%. 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 Expense Ratio % calculated?
Expense Ratio % is calculated from a company's financial statements. For Kemper (FRA:UI2), the current Expense Ratio % is 0.00% as of . 20. 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 49.6% below its estimated GF Value™ of €49.21. GuruFocus considers Kemper to be Significantly Undervalued.

Key valuation signals for FRA:UI2:

  • Expense Ratio %: 0.00%
  • GF Value™: €49.21 vs. price of €24.80 (49.6% below fair value)
  • GF Score™: 55/100 with 4 warning signs

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 Business Description

Other Exchanges KMPR:USA
Address 200 E. Randolph Street, Suite 3300, Chicago, IL, USA, 60601
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

Get the complete analysis for FRA:UI2

Expense Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€24.80
Price
€49.21
GF Value