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Kemper Corp
KMPR : NYSE : Financial
$36.13 -0.07 | -0.19%
Today's Range: 36.06 - 36.40
Avg. Daily Volume: 168,800
12/26/14 - 4:02 PM ET

Financial Analysis


KEMPER CORP/DE's gross profit margin for the third quarter of its fiscal year 2014 has decreased when compared to the same period a year ago. Sales and net income have dropped, underperforming the average competitor within its industry.

At the same time, stockholders' equity ("net worth") has remained virtually unchanged only increasing by 4.74% from the same quarter last year.

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Income Statement Q3 FY14 Q3 FY13
Net Sales ($mil)534.9628.0
EBITDA ($mil)81.7125.8
EBIT ($mil)75.8119.6
Net Income ($mil)4.770.1


Balance Sheet Q3 FY14 Q3 FY13
Cash & Equiv. ($mil)457.2471.6
Total Assets ($mil)7905.37745.9
Total Debt ($mil)751.9606.7
Equity ($mil)2104.52009.1


Profitability Q3 FY14 Q3 FY13
Gross Profit Margin15.2720.03
EBITDA Margin15.2720.03
Operating Margin14.1719.04
Sales Turnover0.280.31
Return on Assets1.312.12
Return on Equity4.947.86
Debt Q3 FY14 Q3 FY13
Current Ratio0.00.0
Debt/Capital0.260.23
Interest Expense12.49.7
Interest Coverage6.1112.33


Share Data Q3 FY14 Q3 FY13
Shares outstanding (mil)52.6756.03
Div / share0.240.24
EPS0.091.21
Book value / share39.9635.86
Institutional Own % n/a n/a
Avg Daily Volume171075.0245289.0

Valuation


BUY. The current P/E ratio indicates a premium compared to an average of 14.76 for the Insurance industry and a value on par with the S&P 500 average of 19.99. Conducting a second comparison, its price-to-book ratio of 0.87 indicates a significant discount versus the S&P 500 average of 2.76 and a discount versus the industry average of 1.55. The current price-to-sales ratio is well below the S&P 500 average and is also below the industry average, indicating a discount.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
KMPR 18.60 Peers 14.76   KMPR 14.36 Peers 14.49

Premium. A higher P/E ratio than its peers can signify a more expensive stock or higher growth expectations.

KMPR is trading at a significant premium to its peers.

 

Average. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.

KMPR is trading at a valuation on par to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
KMPR 13.39 Peers 15.59   KMPR NM Peers 1.56

Premium. A higher price-to-projected earnings ratio than its peers can signify a more expensive stock or higher future growth expectations.

KMPR is trading at a significant premium to its peers.

 

Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

KMPR's negative PEG ratio makes this valuation measure meaningless.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
KMPR 0.87 Peers 1.55   KMPR -31.76 Peers 90.71

Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

KMPR is trading at a significant discount to its peers.

 

Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

However, KMPR is expected to significantly trail its peers on the basis of its earnings growth rate.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
KMPR 0.83 Peers 1.23   KMPR -8.63 Peers 13.02

Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

KMPR is trading at a significant discount to its industry on this measurement.

 

Lower. A sales growth rate that trails the industry implies that a company is losing market share.

KMPR significantly trails its peers on the basis of sales growth

 

 

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