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KemperFRA:UI2 +4.88%59 3-Year Share Buyback Ratio is 2.80 as of Mar. 2026, which is 65% above its 10-year median of 1.70. GuruFocus rates FRA:UI2 with a GF Score™ of 59/100 and a GF Value™ of €46.33 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 279 Insurance companies, Kemper ranks better than 81.36% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Kemper's current 3-Year Share Buyback Ratio was 2.80%.
The historical rank and industry rank for Kemper's 3-Year Share Buyback Ratio or its related term are showing as below:
FRA:UI2'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -9.1 Med: 1.7 Max: 10.4
Current: 2.8
During the past 13 years, Kemper's highest 3-Year Share Buyback Ratio was 10.40%. The lowest was -9.10%. And the median was 1.70%.
FRA:UI2's 3-Year Share Buyback Ratio is ranked better than 81.36% of 279
companies
in the Insurance industry
Industry Median: -0.1
vs FRA:UI2: 2.80
Kemper (FRA:UI2) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Kemper 3-Year Share Buyback Ratio Related Terms
FRA:UI2 vs SAFT, STC, UFCS: 3-Year Share Buyback Ratio Comparison
For the Insurance - Property & Casualty subindustry, Kemper's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Kemper's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Kemper's 3-Year Share Buyback Ratio falls into.
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of 2.80 mean?
Kemper (FRA:UI2) has a 3-Year Share Buyback Ratio of 2.80 as of Mar. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Kemper and its competitors. This is 65% above median its historical median of 1.70. According to the industry distribution chart, Kemper ranks #52 out of 279 companies in the Insurance industry, placing it in the top 18.6%.
Is Kemper's 3-Year Share Buyback Ratio too high?
Kemper's current 3-Year Share Buyback Ratio of 2.80 is 65% above median its 10-year median of 1.70. Based on the distribution chart, Kemper ranks #52 out of 279 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Kemper has a GF Score™ of 59/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kemper's 3-Year Share Buyback Ratio compare to SAFT and STC?
According to the Insurance industry distribution chart, Kemper ranks #52 out of 279 companies for 3-Year Share Buyback Ratio. This places Kemper in the top 19% 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 3-Year Share Buyback Ratio for an Insurance company?
A good 3-Year Share Buyback Ratio depends on the Insurance industry context. However, 3-Year Share Buyback 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 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Kemper and its competitors. Kemper's current 3-Year Share Buyback Ratio is 2.80, which is 65% above median its own 10-year median of 1.70. 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 €46.33, compared to a current price of €25.80 — trading 44.3% below its estimated fair value. The current 3-Year Share Buyback Ratio is 2.80, which is 65% above median its 10-year median of 1.70. Kemper's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Kemper (FRA:UI2), the current 3-Year Share Buyback Ratio is 2.80 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 €25.80 is trading 44.3% below its estimated GF Value™ of €46.33.
GuruFocus considers Kemper to be Significantly Undervalued.
Key valuation signals for FRA:UI2:
3-Year Share Buyback Ratio: 2.80 (65% above median its 10-year median of 1.70)
GF Value™: €46.33 vs. price of €25.80 (44.3% 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.
59GF Score
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