NATIONAL WESTERN LIFE GROU-A (NWLI)
US6385171029 - Common Stock
We assign a fundamental rating of 3 out of 10 to NWLI. NWLI was compared to 140 industry peers in the Insurance industry. NWLI scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. NWLI has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
NWLI had positive earnings in the past year.
NWLI had a positive operating cash flow in the past year.
Each year in the past 5 years NWLI has been profitable.
Each year in the past 5 years NWLI had a positive operating cash flow.
1.2 Ratios
NWLI has a Return On Assets of 0.77%. This is comparable to the rest of the industry: NWLI outperforms 41.01% of its industry peers.
The Return On Equity of NWLI (3.87%) is worse than 63.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.77% | ||
| ROE | 3.87% | ||
| ROIC | N/A |
ROA(3y)0.94%
ROA(5y)0.9%
ROE(3y)5.2%
ROE(5y)5.09%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
NWLI has a Profit Margin of 13.42%. This is in the better half of the industry: NWLI outperforms 74.10% of its industry peers.
NWLI's Profit Margin has declined in the last couple of years.
NWLI's Operating Margin of 18.44% is fine compared to the rest of the industry. NWLI outperforms 74.82% of its industry peers.
In the last couple of years the Operating Margin of NWLI has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 18.44% | ||
| PM (TTM) | 13.42% | ||
| GM | N/A |
OM growth 3Y6.42%
OM growth 5Y-12.39%
PM growth 3Y0.35%
PM growth 5Y-8.71%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
NWLI does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for NWLI has been reduced compared to 1 year ago.
Compared to 5 years ago, NWLI has less shares outstanding
There is no outstanding debt for NWLI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
There is no outstanding debt for NWLI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.12%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
NWLI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -60.91%.
NWLI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.35% yearly.
The Revenue has grown by 25.18% in the past year. This is a very strong growth!
NWLI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.98% yearly.
EPS 1Y (TTM)-60.91%
EPS 3Y0.44%
EPS 5Y-4.35%
EPS growth Q2Q-197.8%
Revenue 1Y (TTM)25.18%
Revenue growth 3Y0.41%
Revenue growth 5Y4.98%
Revenue growth Q2Q27.45%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
NWLI is valuated rather expensively with a Price/Earnings ratio of 18.72.
Compared to the rest of the industry, the Price/Earnings ratio of NWLI indicates a slightly more expensive valuation: NWLI is more expensive than 61.15% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.53, NWLI is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.72 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NWLI is valued a bit cheaper than the industry average as 64.03% of the companies are valued more expensively.
61.87% of the companies in the same industry are more expensive than NWLI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.15 | ||
| EV/EBITDA | 9.34 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
NWLI has a yearly dividend return of 0.07%, which is pretty low.
Compared to an average industry Dividend Yield of 4.27, NWLI is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.34, NWLI's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.07% |
5.2 History
The dividend of NWLI has a limited annual growth rate of 0.53%.
NWLI has been paying a dividend for at least 10 years, so it has a reliable track record.
NWLI has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)0.53%
Div Incr Years0
Div Non Decr Years18
5.3 Sustainability
NWLI pays out 1.35% of its income as dividend. This is a sustainable payout ratio.
DP1.35%
EPS Next 2YN/A
EPS Next 3YN/A
NATIONAL WESTERN LIFE GROU-A
NASDAQ:NWLI (5/15/2024, 2:51:43 PM)
491.12
+0.32 (+0.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.79B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.07% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.72 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.77% | ||
| ROE | 3.87% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 18.44% | ||
| PM (TTM) | 13.42% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-60.91%
EPS 3Y0.44%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)25.18%
Revenue growth 3Y0.41%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y