NATIONAL WESTERN LIFE GROU-A (NWLI) Fundamental Analysis & Valuation

NASDAQ:NWLI • US6385171029

Current stock price

499.98 USD
+0.38 (+0.08%)
At close:
499.92 USD
-0.06 (-0.01%)
After Hours:

This NWLI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. NWLI Profitability Analysis

1.1 Basic Checks

  • In the past year NWLI was profitable.
  • NWLI had a positive operating cash flow in the past year.
  • NWLI had positive earnings in each of the past 5 years.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 0 100M 200M 300M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.28%, NWLI is in line with its industry, outperforming 46.81% of the companies in the same industry.
  • NWLI has a Return On Equity of 6.23%. This is in the lower half of the industry: NWLI underperforms 63.83% of its industry peers.
  • 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 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 2016 2017 2018 2019 2020 2021 2022 2023 0 2 4 6

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.
  • NWLI's Operating Margin of 27.84% is amongst the best of the industry. NWLI outperforms 88.65% of its industry peers.
  • NWLI's Operating Margin has declined in the last couple of years.
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 2016 2017 2018 2019 2020 2021 2022 2023 0 10 -10 20 30

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4

2. NWLI Health Analysis

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.
  • 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.
NWLI Yearly Shares OutstandingNWLI Yearly Shares OutstandingYearly Shares Outstanding 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 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 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. NWLI Growth Analysis

3.1 Past

  • NWLI shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.81%.
  • Measured over the past years, NWLI shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.35% on average per year.
  • The Revenue has grown by 29.87% 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)-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 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M

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3

4. NWLI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.61, the valuation of NWLI can be described as reasonable.
  • NWLI's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of NWLI to the average of the S&P500 Index (27.42), we can say 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

  • NWLI's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. NWLI is cheaper than 72.34% of the companies in the same industry.
  • 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 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. NWLI Dividend Analysis

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 2.37.
  • Compared to an average S&P500 Dividend Yield of 1.81, 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.
  • NWLI has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)0.53%
Div Incr Years0
Div Non Decr Years6
NWLI Yearly Dividends per shareNWLI Yearly Dividends per shareYearly Dividends per share 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 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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NWLI Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)08-07
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 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
Graham Number0 (-100%)
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
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 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%

NATIONAL WESTERN LIFE GROU-A / NWLI Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for NATIONAL WESTERN LIFE GROU-A?

ChartMill assigns a fundamental rating of 4 / 10 to NWLI.


Can you provide the valuation status for NATIONAL WESTERN LIFE GROU-A?

ChartMill assigns a valuation rating of 3 / 10 to NATIONAL WESTERN LIFE GROU-A (NWLI). This can be considered as Overvalued.


What is the profitability of NWLI stock?

NATIONAL WESTERN LIFE GROU-A (NWLI) has a profitability rating of 4 / 10.


How financially healthy is NATIONAL WESTERN LIFE GROU-A?

The financial health rating of NATIONAL WESTERN LIFE GROU-A (NWLI) is 5 / 10.


How sustainable is the dividend of NATIONAL WESTERN LIFE GROU-A (NWLI) stock?

The dividend rating of NATIONAL WESTERN LIFE GROU-A (NWLI) is 4 / 10 and the dividend payout ratio is 0.82%.