Kemper Corp

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KMPR : NYSE : Financial
$36.92 | %
Today's Range: 36.72 - 37.37
Avg. Daily Volume: 134,100
08/26/16 - 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
Debt/Capital0.260.27
Interest Expense11.211.2
Interest Coverage0.974.65


Share Data Q2 FY16 Q2 FY15
Shares outstanding (mil)51.1351.8
Div / share0.240.24
EPS0.080.53
Book value / share41.1738.85
Institutional Own % n/a n/a
Avg Daily Volume133916.0157168.0

Valuation


BUY. This stock's P/E ratio indicates a premium compared to an average of 42.48 for the Insurance industry and a significant premium compared to the S&P 500 average of 25.13. Conducting a second comparison, its price-to-book ratio of 0.90 indicates a significant discount versus the S&P 500 average of 2.82 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.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
KMPR 46.19 Peers 42.48   KMPR 7.51 Peers 11.80

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.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
KMPR 18.95 Peers 14.38   KMPR NM Peers 1.87

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 0.90 Peers 1.53   KMPR -61.54 Peers -3.60

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 1.40   KMPR 11.66 Peers 4.77

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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