KEMPER CORP/DE's gross profit margin for the fourth quarter of its fiscal year 2014 has increased when compared to the same period a year ago. Even though sales decreased, the net income has increased, representing an increase to the bottom line.
At the same time, stockholders' equity ("net worth") has remained virtually unchanged only increasing by 1.91% from the same quarter last year.
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|Income Statement||Q4 FY14||Q4 FY13|
|Net Sales ($mil)||560.4||579.5|
|Net Income ($mil)||65.4||55.2|
|Balance Sheet||Q4 FY14||Q4 FY13|
|Cash & Equiv. ($mil)||471.0||434.1|
|Total Assets ($mil)||7833.4||7656.4|
|Total Debt ($mil)||756.2||616.4|
|Profitability||Q4 FY14||Q4 FY13|
|Gross Profit Margin||21.95||19.15|
|Return on Assets||1.46||2.84|
|Return on Equity||5.38||10.45|
|Debt||Q4 FY14||Q4 FY13|
|Share Data||Q4 FY14||Q4 FY13|
|Shares outstanding (mil)||52.42||55.65|
|Div / share||0.24||0.24|
|Book value / share||39.89||36.86|
|Institutional Own %||n/a||n/a|
|Avg Daily Volume||166508.0||156134.0|
BUY. This stock's P/E ratio indicates a premium compared to an average of 15.20 for the Insurance industry and a discount compared to the S&P 500 average of 19.92. Conducting a second comparison, its price-to-book ratio of 0.93 indicates a significant discount versus the S&P 500 average of 2.81 and a discount versus the industry average of 1.64. The current price-to-sales ratio is well below the S&P 500 average and is also below the industry average, indicating a discount.
|KMPR 17.78||Peers 15.20||KMPR 14.58||Peers 15.75|
Premium. A higher P/E ratio than its peers can signify a more expensive stock or higher growth expectations.
KMPR is trading at a 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.
|KMPR 13.51||Peers 15.57||KMPR 0.88||Peers 1.21|
Average. An average price-to-projected earnings ratio can signify an industry neutral stock price and average future growth expectations.
KMPR is trading at a valuation on par with its peers.
Discount. 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 trades at a significant discount to its peers.
|KMPR 0.93||Peers 1.64||KMPR -44.27||Peers 64.18|
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.
|KMPR 0.89||Peers 1.23||KMPR -8.86||Peers 15.95|
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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