Kemper Corp

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KMPR : NYSE : Financial
$44.45 | %
Today's Range: 0.0 - 0.0
Avg. Daily Volume: 159300.0
01/13/17 - 4:02 PM ET

Financial Analysis


KEMPER CORP/DE's gross profit margin for the third 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.

At the same time, stockholders' equity ("net worth") has remained virtually unchanged only increasing by 2.42% from the same quarter last year.

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Income Statement Q3 FY16 Q3 FY15
Net Sales ($mil)635.5607.1
EBITDA ($mil)-22.664.6
EBIT ($mil)-27.352.8
Net Income ($mil)-16.337.9


Balance Sheet Q3 FY16 Q3 FY15
Cash & Equiv. ($mil)568.2507.4
Total Assets ($mil)8390.38075.6
Total Debt ($mil)751.3750.4
Equity ($mil)2073.62024.6


Profitability Q3 FY16 Q3 FY15
Gross Profit Margin-3.5610.64
EBITDA Margin-3.5510.64
Operating Margin-4.38.7
Sales Turnover0.30.28
Return on Assets-0.111.81
Return on Equity-0.727.02
Debt Q3 FY16 Q3 FY15
Current Ratio0.00.0
Debt/Capital0.270.27
Interest Expense11.311.4
Interest Coverage-2.424.63


Share Data Q3 FY16 Q3 FY15
Shares outstanding (mil)51.1951.32
Div / share0.240.24
EPS-0.360.73
Book value / share40.5139.45
Institutional Own % n/a n/a
Avg Daily Volume159357.0130406.0

Valuation


HOLD. This stock’s P/E ratio is negative, making its value useless in the assessment of premium or discount valuation, only displaying that the company has negative earnings per share. Conducting a second comparison, its price-to-book ratio of 1.08 indicates a significant discount versus the S&P 500 average of 2.84 and a discount versus the industry average of 1.59. The current price-to-sales ratio is well below the S&P 500 average and is also below the industry average, indicating a discount. After reviewing these and other key valuation criteria, KEMPER CORP/DE proves to trade at a discount to investment alternatives within the industry.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
KMPR NM Peers 28.29   KMPR 10.33 Peers 13.81

Neutral. The absence of a valid P/E ratio happens when a stock can not be valued on the basis of a negative stream of earnings.

KMPR's P/E is negative making this valuation measure meaningless.

 

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 20.44 Peers 17.49   KMPR NA Peers 1.96

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.

Ratio not available.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
KMPR 1.08 Peers 1.59   KMPR -110.66 Peers 3.95

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 0.91 Peers 1.41   KMPR 9.36 Peers 10.38

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.

 

Average. Comparing a company's sales growth to its industry helps to determine if the company is adding or losing market share.

KMPR is keeping pace with its peers on the basis of sales growth.

 

 

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