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

USA - NASDAQ:NWLI - US6385171029 - Common Stock

499.98 USD
+0.38 (+0.08%)
Last: 7/8/2024, 8:00:02 PM
499.92 USD
-0.06 (-0.01%)
After Hours: 7/8/2024, 8:00:02 PM
Fundamental Rating

4

Overall NWLI gets a fundamental rating of 4 out of 10. We evaluated NWLI against 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.


Dividend Valuation Growth Profitability Health

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4

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.
In the past 5 years NWLI has always 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 of 1.28%. This is comparable to the rest of the industry: NWLI outperforms 46.81% of its industry peers.
Looking at the Return On Equity, with a value of 6.23%, NWLI is doing worse than 63.83% of the companies in the same industry.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2 4 6

1.3 Margins

Looking at the Profit Margin, with a value of 20.80%, NWLI belongs to the top of the industry, outperforming 87.94% of the companies in the same industry.
NWLI's Profit Margin has declined in the last couple of years.
The Operating Margin of NWLI (27.84%) is better than 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 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

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NWLI is destroying value.
NWLI has less shares outstanding than it did 1 year ago.
NWLI has less shares outstanding than it did 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.
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

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 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

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!
The Revenue has been growing slightly by 4.98% on average over the past years.
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

The Price/Earnings ratio is 11.61, which indicates a very decent valuation of NWLI.
The rest of the industry has a similar Price/Earnings ratio as NWLI.
NWLI is valuated cheaply when we compare the Price/Earnings ratio to 27.86, which is the current average of the S&P500 Index.
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.
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 3.60, NWLI is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.41, 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 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
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

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
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%