KemperFRA:UI2 -2.42%51 Return-on-Tangible-Asset is -0.06% as of Mar. 2026. GuruFocus rates FRA:UI2 with a GF Score™ of 51/100 and a GF Value™ of €46.85 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 508 Insurance companies, Kemper ranks worse than 84.84% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Kemper's annualizedNet Income for the quarter that ended in Mar. 2026 was €-6 Mil. Kemper's average total tangible assets for the quarter that ended in Mar. 2026 was €9,501 Mil. Therefore, Kemper's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was -0.06%.
The historical rank and industry rank for Kemper's Return-on-Tangible-Asset or its related term are showing as below:
FRA:UI2'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -2.38 Med: 1.42 Max: 4.9
Current: 0.38
During the past 13 years, Kemper's highest Return-on-Tangible-Asset was 4.90%. The lowest was -2.38%. And the median was 1.42%.
FRA:UI2's Return-on-Tangible-Asset is ranked worse than 84.84% of 508
companies
in the Insurance industry
Industry Median: 2.785
vs FRA:UI2: 0.38
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Kemper Return-on-Tangible-Asset Related Terms
Kemper Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Kemper's Return-on-Tangible-Asset 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: Return-on-Tangible-Asset Comparison
For the Insurance - Property & Casualty subindustry, Kemper's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Kemper's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Kemper's Return-on-Tangible-Asset falls into.
* 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of -0.06% mean?
Kemper (FRA:UI2) has a Return-on-Tangible-Asset of -0.06% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Kemper and its competitors. According to the industry distribution chart, Kemper ranks #431 out of 508 companies in the Insurance industry, placing it in the top 84.8%.
Is Kemper's Return-on-Tangible-Asset too high?
Kemper's current Return-on-Tangible-Asset is -0.06%. Based on the distribution chart, Kemper ranks #431 out of 508 companies in the Insurance industry, which is in the bottom quartile 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 Return-on-Tangible-Asset compare to PRCH and UFCS?
According to the Insurance industry distribution chart, Kemper ranks #431 out of 508 companies for Return-on-Tangible-Asset. This places Kemper in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.79. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.79, based on 508 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Kemper and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.79 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kemper's current Return-on-Tangible-Asset is -0.06%. 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 €46.85, compared to a current price of €24.20 — trading 48.3% below its estimated fair value. The current Return-on-Tangible-Asset is -0.06%. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Kemper (FRA:UI2), the current Return-on-Tangible-Asset is -0.06% as of Mar. 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 €24.20 is trading 48.3% below its estimated GF Value™ of €46.85.
GuruFocus considers Kemper to be Significantly Undervalued.
Key valuation signals for FRA:UI2:
Return-on-Tangible-Asset: -0.06%
GF Value™: €46.85 vs. price of €24.20 (48.3% 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
Get the complete analysis for FRA:UI2
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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