Kemper Corp

Find Ratings Reports
KMPR : NYSE : Financial
$34.48 | %
Today's Range: 34.07 - 34.64
Avg. Daily Volume: 156,100
07/22/16 - 4:02 PM ET

Financial Analysis


KEMPER CORP/DE's gross profit margin for the first quarter of its fiscal year 2016 has significantly decreased when compared to the same period a year ago. Even though sales increased, the net income has decreased, representing a decrease to the bottom line.

During the same period, stockholders' equity ("net worth") has remained virtually unchanged only decreasing by 3.26% from the same quarter last year.

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12-months. To learn more visit www.TheStreetRatings.com.



Income Statement Q1 FY16 Q1 FY15
Net Sales ($mil)615.6499.9
EBITDA ($mil)14.645.6
EBIT ($mil)9.040.8
Net Income ($mil)-2.113.5


Balance Sheet Q1 FY16 Q1 FY15
Cash & Equiv. ($mil)576.6494.8
Total Assets ($mil)8169.77885.0
Total Debt ($mil)750.9750.0
Equity ($mil)2041.12109.9


Profitability Q1 FY16 Q1 FY15
Gross Profit Margin2.379.12
EBITDA Margin2.379.12
Operating Margin1.468.16
Sales Turnover0.30.27
Return on Assets0.851.17
Return on Equity3.164.3
Debt Q1 FY16 Q1 FY15
Current Ratio0.00.0
Debt/Capital0.270.26
Interest Expense11.413.4
Interest Coverage0.793.04


Share Data Q1 FY16 Q1 FY15
Shares outstanding (mil)51.1351.83
Div / share0.240.24
EPS-0.040.26
Book value / share39.9240.71
Institutional Own % n/a n/a
Avg Daily Volume163304.0166864.0

Valuation


HOLD. The current P/E ratio indicates a significant premium compared to an average of 16.47 for the Insurance industry and a premium compared to the S&P 500 average of 25.03. Conducting a second comparison, its price-to-book ratio of 0.85 indicates a significant discount versus the S&P 500 average of 2.80 and a discount versus the industry average of 1.57. The price-to-sales ratio is well below both the S&P 500 average and 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 27.20 Peers 16.47   KMPR 6.62 Peers 12.84

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.

 

Discount. 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 significant discount 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 16.59 Peers 15.93   KMPR NM Peers 1.72

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 0.85 Peers 1.57   KMPR -27.33 Peers 40.14

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 0.71 Peers 1.47   KMPR 14.09 Peers -2.92

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.

 

Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.

KMPR has a sales growth rate that significantly exceeds its peers.

 

 

Latest Stock Upgrades/Downgrades