Kemper Corp

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KMPR : NYSE : Financial
$39.4 up 1.3 | 3.41%
Today's Range: 38.45 - 39.425
Avg. Daily Volume: 162100.0
06/28/17 - 4:02 PM ET

Financial Analysis


KEMPER CORP/DE's gross profit margin for the first quarter of its fiscal year 2017 has significantly decreased when compared to the same period a year ago. The company has grown sales and net income during the past quarter when compared with the same quarter a year ago, however, it was unable to keep up with the growth of the average competitor within its industry.

During the same period, stockholders' equity ("net worth") has remained virtually unchanged only decreasing by 2.81% from the same quarter last year.

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Income Statement Q1 FY17 Q1 FY16
Net Sales ($mil)644.6615.6
EBITDA ($mil)5.014.6
EBIT ($mil)0.69.0
Net Income ($mil)-0.3-2.1


Balance Sheet Q1 FY17 Q1 FY16
Cash & Equiv. ($mil)490.2576.6
Total Assets ($mil)8306.88169.7
Total Debt ($mil)751.8750.9
Equity ($mil)1983.62041.1


Profitability Q1 FY17 Q1 FY16
Gross Profit Margin0.782.37
EBITDA Margin0.772.37
Operating Margin0.091.46
Sales Turnover0.310.3
Return on Assets0.220.85
Return on Equity0.733.16
Debt Q1 FY17 Q1 FY16
Current Ratio0.00.0
Debt/Capital0.270.27
Interest Expense10.911.4
Interest Coverage0.060.79


Share Data Q1 FY17 Q1 FY16
Shares outstanding (mil)51.351.13
Div / share0.240.24
EPS-0.01-0.04
Book value / share38.6739.92
Institutional Own % n/a n/a
Avg Daily Volume171280.0127486.0

Valuation


HOLD. KEMPER CORP/DE's P/E ratio indicates a significant premium compared to an average of 29.38 for the Insurance industry and a significant premium compared to the S&P 500 average of 25.75. Conducting a second comparison, its price-to-book ratio of 0.99 indicates a significant discount versus the S&P 500 average of 3.09 and a discount versus the industry average of 1.86. 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 141.30 Peers 29.38   KMPR 9.25 Peers 11.30

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 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 15.41 Peers 15.81   KMPR 0.31 Peers 2.04

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.

 

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.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
KMPR 0.99 Peers 1.86   KMPR -78.40 Peers 20.77

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.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
KMPR 0.77 Peers 1.48   KMPR 4.34 Peers 12.58

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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