Kemper has the GF Score of 51, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Kemper
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Kemper (FRA:UI2) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Kemper GF Score Related Terms
FRA:UI2 vs PRA, PRCH, UFCS: GF Score Comparison
For the Insurance - Property & Casualty subindustry, Kemper's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Insurance Industry
For the Insurance industry and Financial Services sector, Kemper's GF Score distribution charts can be found below:
* The bar in red indicates where Kemper's GF Score falls into.
Kemper (FRA:UI2) has a GF Score of 51 as of Jun. 28, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Kemper and its competitors. This is 28% below median its historical median of 71.00. Over the past decade, Kemper's GF Score has ranged from 19.00 to 90.00.
Is Kemper's GF Score too high?
Kemper's current GF Score of 51 is 28% below median its 10-year median of 71.00. Over the past 10 years, this metric has ranged from a low of 19.00 to a high of 90.00. Overall, Kemper has a GF Score™ of 51/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kemper's GF Score compare to PRA and PRCH?
Kemper's GF Score of 51 can be compared against companies in the Insurance industry. Historically, Kemper's own GF Score has ranged from 19.00 to 90.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for an Insurance company?
A good GF Score depends on the Insurance industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Kemper and its competitors. Kemper's current GF Score is 51, which is 28% below median its own 10-year median of 71.00. 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 €45.38, compared to a current price of €21.80 — trading 52% below its estimated fair value. The current GF Score is 51, which is 28% below median its 10-year median of 71.00. Kemper's overall GF Score™ is 51/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Kemper (FRA:UI2), the current GF Score is 51 as of Jun. 28, 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 €21.80 is trading 52% below its estimated GF Value™ of €45.38.
GuruFocus considers Kemper to be Significantly Undervalued.
Key valuation signals for FRA:UI2:
GF Score: 51 (28% below median its 10-year median of 71.00)
GF Value™: €45.38 vs. price of €21.80 (52% below fair value)
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.
51GF Score
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