KemperFRA:UI2 +3.33%52 10-Year ROIIC % is 1.02 as of Dec. 2025. GuruFocus rates FRA:UI2 with a GF Score™ of 52/100 and a GF Value™ of €47.97 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 267 Insurance companies, Kemper ranks worse than 67.04% on this metric.
10-Year Return on Invested Incremental Capital (10-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 10-year.
Kemper's 10-Year ROIIC % for the quarter that ended in Dec. 2025 was 1.02%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Kemper's 10-Year ROIIC % or its related term are showing as below:
FRA:UI2's 10-Year ROIIC % is ranked worse than 67.04% of 267
companies
in the Insurance industry
Industry Median: 3.06
vs FRA:UI2: 1.02
Kemper (FRA:UI2) 10-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Kemper 10-Year ROIIC % Related Terms
Kemper 10-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Kemper's 10-Year ROIIC % 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: 10-Year ROIIC % Comparison
For the Insurance - Property & Casualty subindustry, Kemper's 10-Year ROIIC %, along with its competitors' market caps and 10-Year ROIIC % 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 10-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Kemper's 10-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Kemper's 10-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 10-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Kemper (FRA:UI2) has a 10-Year ROIIC % of 1.02 as of Dec. 2025. 10-Year ROIIC % measures the change in earnings as a percentage of change in investment over 10-year. View historical data on Kemper and its competitors. According to the industry distribution chart, Kemper ranks #179 out of 267 companies in the Insurance industry, placing it in the top 67%.
Is Kemper's 10-Year ROIIC % too high?
Kemper's current 10-Year ROIIC % is 1.02. The Insurance industry median 10-Year ROIIC % is 3.06. Kemper's value of 1.02 is 66.7% below this industry median. Based on the distribution chart, Kemper ranks #179 out of 267 companies in the Insurance industry, which is below the industry midpoint. Overall, Kemper has a GF Score™ of 52/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kemper's 10-Year ROIIC % compare to PRCH and UFCS?
According to the Insurance industry distribution chart, Kemper ranks #179 out of 267 companies for 10-Year ROIIC %. This places Kemper in the lower half of its industry. The industry median 10-Year ROIIC % is 3.06. Kemper's value of 1.02 is 66.7% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year ROIIC % for an Insurance company?
The median 10-Year ROIIC % among Insurance companies is 3.06, based on 267 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kemper's current 10-Year ROIIC % of 1.02 is 66.7% below 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 10-Year ROIIC % mean?
A high 10-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 10-Year ROIIC % measures the change in earnings as a percentage of change in investment over 10-year. View historical data on Kemper and its competitors. For the Insurance industry, the median 10-Year ROIIC % is 3.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kemper's current 10-Year ROIIC % is 1.02. 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 €47.97, compared to a current price of €24.80 — trading 48.3% below its estimated fair value. The current 10-Year ROIIC % is 1.02 and 66.7% below the Insurance industry median of 3.06. Kemper's overall GF Score™ is 52/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 10-Year ROIIC % calculated?
10-Year ROIIC % is calculated from a company's financial statements. For Kemper (FRA:UI2), the current 10-Year ROIIC % is 1.02 as of Dec. 2025. 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 48.3% below its estimated GF Value™ of €47.97.
GuruFocus considers Kemper to be Significantly Undervalued.
Key valuation signals for FRA:UI2:
10-Year ROIIC %: 1.02
GF Value™: €47.97 vs. price of €24.80 (48.3% below fair value)
Industry Position: 66.7% below the Insurance median (#179 of 267)
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.
52GF Score
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