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NATIONAL WESTERN LIFE GROU-A (NWLI) Stock Fundamental Analysis

NASDAQ:NWLI - Nasdaq - US6385171029 - Common Stock - Currency: USD

499.98  +0.38 (+0.08%)

After market: 499.92 -0.06 (-0.01%)

Fundamental Rating

4

NWLI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 143 industry peers in the Insurance industry. NWLI has an average financial health and profitability rating. NWLI is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year NWLI was profitable.
In the past year NWLI had a positive cash flow from operations.
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.
NWLI Yearly Net Income VS EBIT VS OCF VS FCFNWLI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 100M 200M 300M

1.2 Ratios

NWLI has a Return On Assets (1.28%) which is comparable to the rest of the industry.
NWLI's Return On Equity of 6.23% is on the low side compared to the rest of the industry. NWLI is outperformed by 63.83% of its industry peers.
NWLI has a Return On Invested Capital of 1.32%. This is comparable to the rest of the industry: NWLI outperforms 47.52% of its industry peers.
Industry RankSector Rank
ROA 1.28%
ROE 6.23%
ROIC 1.32%
ROA(3y)0.94%
ROA(5y)0.9%
ROE(3y)5.2%
ROE(5y)5.09%
ROIC(3y)N/A
ROIC(5y)N/A
NWLI Yearly ROA, ROE, ROICNWLI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2 4 6

1.3 Margins

NWLI's Profit Margin of 20.80% is amongst the best of the industry. NWLI outperforms 87.94% of its industry peers.
In the last couple of years the Profit Margin of NWLI has declined.
NWLI's Operating Margin of 27.84% is amongst the best of the industry. NWLI outperforms 88.65% of its industry peers.
In the last couple of years the Operating Margin of NWLI has declined.
Industry RankSector Rank
OM 27.84%
PM (TTM) 20.8%
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
NWLI Yearly Profit, Operating, Gross MarginsNWLI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 -10 20 30

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5

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NWLI is destroying value.
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
NWLI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
NWLI Yearly Shares OutstandingNWLI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 0 0 0 0
NWLI Yearly Total Debt VS Total AssetsNWLI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B

2.2 Solvency

NWLI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACC0.15
WACC8.84%
NWLI Yearly LT Debt VS Equity VS FCFNWLI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
NWLI Yearly Current Assets VS Current LiabilitesNWLI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2019 2021 0 0 0 0 0

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2

3. Growth

3.1 Past

The earnings per share for NWLI have decreased by -0.81% in the last year.
The Earnings Per Share has been decreasing by -4.35% on average over the past years.
NWLI shows a strong growth in Revenue. In the last year, the Revenue has grown by 29.87%.
NWLI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.98% yearly.
EPS 1Y (TTM)-0.81%
EPS 3Y0.44%
EPS 5Y-4.35%
EPS Q2Q%493.67%
Revenue 1Y (TTM)29.87%
Revenue growth 3Y0.41%
Revenue growth 5Y4.98%
Sales Q2Q%29.47%

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.
NWLI Yearly Revenue VS EstimatesNWLI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M

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3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.61 indicates a reasonable valuation of NWLI.
NWLI's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.51, NWLI is valued rather cheaply.
Industry RankSector Rank
PE 11.61
Fwd PE N/A
NWLI Price Earnings VS Forward Price EarningsNWLI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

72.34% of the companies in the same industry are more expensive than NWLI, based on the Enterprise Value to EBITDA ratio.
NWLI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. NWLI is cheaper than 63.12% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.93
EV/EBITDA 6.28
NWLI Per share dataNWLI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 200 400 600

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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4

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 3.31, NWLI is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.40, NWLI's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.07%

5.2 History

The dividend of NWLI has a limited annual growth rate of 0.53%.
NWLI has paid a dividend for at least 10 years, which is a reliable track record.
As NWLI did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)0.53%
Div Incr Years0
Div Non Decr Years6
NWLI Yearly Dividends per shareNWLI Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 0.2 0.4 0.6

5.3 Sustainability

NWLI pays out 0.82% of its income as dividend. This is a sustainable payout ratio.
DP0.82%
EPS Next 2YN/A
EPS Next 3YN/A
NWLI Yearly Income VS Free CF VS DividendNWLI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M
NWLI Dividend Payout.NWLI Dividend Payout, showing the Payout Ratio.NWLI Dividend Payout.PayoutRetained Earnings

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NATIONAL WESTERN LIFE GROU-A

NASDAQ:NWLI (7/8/2024, 8:00:02 PM)

After market: 499.92 -0.06 (-0.01%)

499.98

+0.38 (+0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-08 2024-05-08/amc
Earnings (Next)08-07 2024-08-07/amc
Inst Owners3.48%
Inst Owner Change-99.99%
Ins Owners0.64%
Ins Owner Change0%
Market Cap1.82B
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.07%
Yearly Dividend0.33
Dividend Growth(5Y)0.53%
DP0.82%
Div Incr Years0
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 11.61
Fwd PE N/A
P/S 2.43
P/FCF 5.93
P/OCF 5.82
P/B 0.73
P/tB 0.73
EV/EBITDA 6.28
EPS(TTM)43.07
EY8.61%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)84.3
FCFY16.86%
OCF(TTM)85.92
OCFY17.18%
SpS205.59
BVpS685.98
TBVpS680.57
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.28%
ROE 6.23%
ROCE 1.72%
ROIC 1.32%
ROICexc 1.37%
ROICexgc 1.62%
OM 27.84%
PM (TTM) 20.8%
GM N/A
FCFM 41%
ROA(3y)0.94%
ROA(5y)0.9%
ROE(3y)5.2%
ROE(5y)5.09%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score7
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 2216.04
Cash Conversion 143.38%
Profit Quality 197.11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC8.84%
ROIC/WACC0.15
Cap/Depr(3y)48.1%
Cap/Depr(5y)54.15%
Cap/Sales(3y)0.76%
Cap/Sales(5y)0.87%
Profit Quality(3y)255.19%
Profit Quality(5y)280.91%
High Growth Momentum
Growth
EPS 1Y (TTM)-0.81%
EPS 3Y0.44%
EPS 5Y-4.35%
EPS Q2Q%493.67%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)29.87%
Revenue growth 3Y0.41%
Revenue growth 5Y4.98%
Sales Q2Q%29.47%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y6.33%
EBIT growth 3Y6.86%
EBIT growth 5Y-8.02%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y7.06%
FCF growth 3Y-11.51%
FCF growth 5Y-5.01%
OCF growth 1Y6.37%
OCF growth 3Y-11.83%
OCF growth 5Y-4.78%