Kemper Corp.

Find Ratings Reports
KMPR : NYSE : Finance
$57.85 | %
Today's Range: 56.85 - 58.45
Avg. Daily Volume: 229100.0
02/23/18 - 4:02 PM ET

Financial Analysis


KEMPER CORP/DE's gross profit margin for the fourth quarter of its fiscal year 2017 has decreased when compared to the same period a year ago. Sales and net income have grown, and although the growth in revenues has outpaced the average competitor within the industry, the net income growth has not.

During the same period, stockholders' equity ("net worth") has increased by 7.10% from the same quarter last year.

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12-months. To learn more visit www.TheStreetRatings.com.



Income Statement Q4 FY17 Q4 FY16
Net Sales ($mil)694.4638.9
EBITDA ($mil)53.852.3
EBIT ($mil)49.347.8
Net Income ($mil)36.931.2


Balance Sheet Q4 FY17 Q4 FY16
Cash & Equiv. ($mil)441.3497.5
Total Assets ($mil)8376.28210.5
Total Debt ($mil)592.4752.3
Equity ($mil)2115.61975.2


Profitability Q4 FY17 Q4 FY16
Gross Profit Margin7.758.19
EBITDA Margin7.748.18
Operating Margin7.17.48
Sales Turnover0.320.31
Return on Assets1.440.2
Return on Equity5.660.64
Debt Q4 FY17 Q4 FY16
Current Ratio0.00.0
Debt/Capital0.220.28
Interest Expense8.011.4
Interest Coverage6.164.19


Share Data Q4 FY17 Q4 FY16
Shares outstanding (mil)51.4651.27
Div / share0.240.24
EPS0.690.56
Book value / share41.1138.52
Institutional Own % n/a n/a
Avg Daily Volume215728.0191974.0

Valuation


BUY. The current P/E ratio indicates a premium compared to an average of 21.11 for the Insurance industry and a value on par with the S&P 500 average of 25.51. Conducting a second comparison, its price-to-book ratio of 1.35 indicates a significant discount versus the S&P 500 average of 3.26 and a discount versus the industry average of 1.99. The current price-to-sales ratio is well below the S&P 500 average and is also below 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 24.03 Peers 21.11   KMPR 11.87 Peers 18.03

Premium. A higher P/E ratio than its peers can signify a more expensive stock or higher growth expectations.

KMPR is trading at a 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 13.06 Peers 14.26   KMPR 0.40 Peers 0.62

Average. An average price-to-projected earnings ratio can signify an industry neutral stock price and average future growth expectations.

KMPR is trading at a valuation on par with 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 1.35 Peers 1.99   KMPR 862.50 Peers -119.66

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.

 

Higher. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

KMPR is expected to have an earnings growth rate that significantly exceeds its peers.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
KMPR 1.06 Peers 1.56   KMPR 7.32 Peers 5.07

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.

 

 

Latest Stock Upgrades/Downgrades