NATIONAL WESTERN LIFE GROU-A (NWLI) Stock Fundamental Analysis
USA - NASDAQ:NWLI - US6385171029 - Common Stock
499.98 USD
+0.38 (+0.08%)
499.92 USD
-0.06 (-0.01%)
We assign a fundamental rating of 4 out of 10 to NWLI. NWLI was compared to 146 industry peers in the Insurance industry. NWLI has an average financial health and profitability rating. NWLI has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year NWLI was profitable.
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 (1.28%) which is comparable to the rest of the industry.
With a Return On Equity value of 6.23%, NWLI is not doing good in the industry: 63.83% of the companies in the same industry are doing better.
Looking at the Return On Invested Capital, with a value of 1.32%, NWLI is in line with its industry, outperforming 47.52% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
NWLI has a Profit Margin of 20.80%. This is amongst the best in the industry. NWLI outperforms 87.94% of its industry peers.
NWLI's Profit Margin has declined in the last couple of years.
With an excellent Operating Margin value of 27.84%, NWLI belongs to the best of the industry, outperforming 88.65% of the companies in the same industry.
In the last couple of years the Operating Margin of NWLI has declined.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
NWLI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
NWLI has less shares outstanding than it did 1 year ago.
The number of shares outstanding for NWLI has been reduced compared to 5 years ago.
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
NWLI has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACC0.15
WACC8.84%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
NWLI shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.81%.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.61, the valuation of NWLI can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of NWLI is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 25.89, NWLI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.61 | ||
| 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 72.34% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, NWLI is valued a bit cheaper than 63.12% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.93 | ||
| EV/EBITDA | 6.28 |
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
With a yearly dividend of 0.07%, NWLI is not a good candidate for dividend investing.
NWLI's Dividend Yield is slightly below the industry average, which is at 3.55.
With a Dividend Yield of 0.07, NWLI pays less dividend than the S&P500 average, which is at 2.42.
| 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.
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
5.3 Sustainability
0.82% of the earnings are spent on dividend by NWLI. This is a low number and sustainable payout ratio.
DP0.82%
EPS Next 2YN/A
EPS Next 3YN/A
499.98
+0.38 (+0.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners3.48%
Inst Owner Change0%
Ins Owners0.64%
Ins Owner Change0%
Market Cap1.82B
Revenue(TTM)748.34M
Net Income(TTM)155.68M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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 Rank | Sector 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
Graham NumberN/A
Profitability
| Industry Rank | Sector 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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector 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%
NATIONAL WESTERN LIFE GROU-A / NWLI FAQ
Can you provide the ChartMill fundamental rating for NATIONAL WESTERN LIFE GROU-A?
ChartMill assigns a fundamental rating of 4 / 10 to NWLI.
What is the valuation status of NATIONAL WESTERN LIFE GROU-A (NWLI) stock?
ChartMill assigns a valuation rating of 3 / 10 to NATIONAL WESTERN LIFE GROU-A (NWLI). This can be considered as Overvalued.
Can you provide the profitability details for NATIONAL WESTERN LIFE GROU-A?
NATIONAL WESTERN LIFE GROU-A (NWLI) has a profitability rating of 4 / 10.
Can you provide the financial health for NWLI stock?
The financial health rating of NATIONAL WESTERN LIFE GROU-A (NWLI) is 5 / 10.
Can you provide the dividend sustainability for NWLI stock?
The dividend rating of NATIONAL WESTERN LIFE GROU-A (NWLI) is 4 / 10 and the dividend payout ratio is 0.82%.