Kemper Corp

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KMPR : NYSE : Financial
$37.49 | %
Today's Range: 37.26 - 38.13
Avg. Daily Volume: 122,300
09/23/16 - 4:02 PM ET

Financial Analysis

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

At the same time, stockholders' equity ("net worth") has remained virtually unchanged only increasing by 4.61% from the same quarter last year.

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Income Statement Q2 FY16 Q2 FY15
Net Sales ($mil)624.4605.0
EBITDA ($mil)15.658.3
EBIT ($mil)10.952.1
Net Income ($mil)4.029.7

Balance Sheet Q2 FY16 Q2 FY15
Cash & Equiv. ($mil)566.6497.8
Total Assets ($mil)8305.98055.1
Total Debt ($mil)751.1750.2
Equity ($mil)2105.22012.3

Profitability Q2 FY16 Q2 FY15
Gross Profit Margin2.59.64
EBITDA Margin2.499.63
Operating Margin1.758.61
Sales Turnover0.30.27
Return on Assets0.531.4
Return on Equity1.955.41
Debt Q2 FY16 Q2 FY15
Current Ratio0.00.0
Interest Expense11.211.2
Interest Coverage0.974.65

Share Data Q2 FY16 Q2 FY15
Shares outstanding (mil)51.1351.8
Div / share0.240.24
Book value / share41.1738.85
Institutional Own % n/a n/a
Avg Daily Volume127752.0154541.0


BUY. This stock's P/E ratio indicates a premium compared to an average of 42.21 for the Insurance industry and a significant premium compared to the S&P 500 average of 24.84. Conducting a second comparison, its price-to-book ratio of 0.88 indicates a significant discount versus the S&P 500 average of 2.78 and a discount versus the industry average of 1.53. The price-to-sales ratio is well below both the S&P 500 average and the industry average, indicating a discount.

1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
KMPR 45.54 Peers 42.21   KMPR 7.41 Peers 11.69

Average. An average P/E ratio can signify an industry neutral price for a stock and an average growth expectation.

KMPR is trading at a valuation on par with 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.

1 2 3 4 5
premium   discount
  Price to
1 2 3 4 5
premium   discount
KMPR 18.68 Peers 14.60   KMPR NM Peers 1.89

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.

1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
KMPR 0.88 Peers 1.53   KMPR -61.54 Peers -5.77

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.

1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
KMPR 0.76 Peers 1.39   KMPR 11.66 Peers 4.27

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.



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