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%)
NWLI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 146 industry peers in the Insurance industry. NWLI has only an average score on both its financial health and profitability. NWLI does not seem to be growing, but still is valued expensively.
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.
In the past 5 years NWLI has always been profitable.
In the past 5 years NWLI always reported a positive cash flow from operatings.
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.
The Return On Equity of NWLI (6.23%) is worse than 63.83% of its industry peers.
NWLI's Return On Invested Capital of 1.32% is in line compared to the rest of the industry. NWLI outperforms 47.52% of its industry peers.
| 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's Profit Margin of 20.80% is amongst the best of 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.
Compared to 1 year ago, NWLI has less shares outstanding
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/WACC0.15
WACC8.84%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for NWLI have decreased by -0.81% in the last year.
NWLI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.35% yearly.
NWLI shows a strong growth in Revenue. In the last year, the Revenue has grown by 29.87%.
Measured over the past years, NWLI shows a small growth in Revenue. The Revenue has been growing by 4.98% on average per year.
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
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.
Compared to an average S&P500 Price/Earnings ratio of 25.67, NWLI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.61 | ||
| Fwd PE | N/A |
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.
63.12% 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 | 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
NWLI has a yearly dividend return of 0.07%, which is pretty low.
NWLI's Dividend Yield is slightly below the industry average, which is at 3.25.
With a Dividend Yield of 0.07, NWLI pays less dividend than the S&P500 average, which is at 2.40.
| 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 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
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%.