Kemper Corp

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KMPR : NYSE : Financial
$43.7 up 0.25 | 0.58%
Today's Range: 43.35 - 43.9
Avg. Daily Volume: 134300.0
02/27/17 - 3:59 PM ET

Financial Analysis


The company managed to grow both sales and net income at a faster pace than the average competitor in its industry this quarter as compared to the same quarter a year ago.

During the same period, stockholders' equity ("net worth") has remained unchanged from the same quarter last year.

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Income Statement Q4 FY16 Q4 FY15
Net Sales ($mil)638.9609.8
EBITDA ($mil)0.08.4
EBIT ($mil)0.02.3
Net Income ($mil)31.24.6


Balance Sheet Q4 FY16 Q4 FY15
Cash & Equiv. ($mil)394.7476.7
Total Assets ($mil)8210.58036.1
Total Debt ($mil)751.6753.6
Equity ($mil)1975.21992.4


Profitability Q4 FY16 Q4 FY15
Gross Profit Margin0.01.38
EBITDA Margin0.01.37
Operating Margin0.00.38
Sales Turnover0.310.29
Return on Assets0.21.06
Return on Equity0.644.02
Debt Q4 FY16 Q4 FY15
Current Ratio0.00.0
Debt/Capital0.280.27
Interest Expense0.011.3
Interest Coverage0.00.2


Share Data Q4 FY16 Q4 FY15
Shares outstanding (mil)51.2751.33
Div / share0.240.24
EPS0.560.03
Book value / share38.5238.82
Institutional Own % n/a n/a
Avg Daily Volume132997.0161741.0

Valuation


BUY. KEMPER CORP/DE's P/E ratio indicates a significant premium compared to an average of 24.07 for the Insurance industry and a significant premium compared to the S&P 500 average of 26.53. Conducting a second comparison, its price-to-book ratio of 1.14 indicates a significant discount versus the S&P 500 average of 2.96 and a discount versus the industry average of 1.76. 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 182.50 Peers 24.07   KMPR 9.34 Peers 13.55

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 17.88 Peers 15.90   KMPR 0.26 Peers 1.38

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 1.14 Peers 1.76   KMPR -84.52 Peers -5.26

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 0.89 Peers 1.46   KMPR 8.29 Peers 11.50

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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