Kemper (FRA:UI2) Moat Score: 6/10 (As of Jun. 28, 2026)


FRA:UI2 Kemper Corp FRA:UI2
51 GF Score
Price €21.80
GF Value €45.38
Valuation Significantly Undervalued
! 4 Warning Signs
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What is Kemper Moat Score?

Kemper FRA:UI2 -3.54% 51 Moat Score is 6 as of Jun. 28, 2026. GuruFocus rates FRA:UI2 with a GF Score™ of 51/100 and a GF Value™ of €45.38 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 601 Insurance companies, Kemper ranks better than 95.01% on this metric.

Kemper has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Kemper has Narrow Moat: Kemper Corp has a strong narrow moat due to its established insurance brand, customer loyalty, and regulatory barriers. However, it faces competition and lacks significant cost advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Kemper might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Kemper  (FRA:UI2) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Kemper Moat Score Related Terms

FRA:UI2 vs PRA, PRCH, UFCS: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, Kemper's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Kemper's Moat Score distribution charts can be found below:

* The bar in red indicates where Kemper's Moat Score falls into.


FRA:UI2
51GF Score
Kemper Corp FRA:UI2
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Kemper (FRA:UI2) has a Moat Score of 6 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Kemper ranks #30 out of 601 companies in the Insurance industry, placing it in the top 5%.
Is Kemper's Moat Score too high?
Kemper's current Moat Score is 6. Based on the distribution chart, Kemper ranks #30 out of 601 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to PRA and PRCH?
According to the Insurance industry distribution chart, Kemper ranks #30 out of 601 companies for Moat Score. This places Kemper in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Kemper's current Moat Score is 6. 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 Moat Score is 6. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Kemper (FRA:UI2), the current Moat Score is 6 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:

  • Moat Score: 6
  • GF Value™: €45.38 vs. price of €21.80 (52% below fair value)
  • GF Score™: 51/100 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.
51GF Score

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

€21.80
Price
€45.38
GF Value