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Kansas City Life Insurance Company (KCLI)
OTHER OTC:KCLI
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Kansas City Life Insurance Company
(OTC:KCLI)
67Neutral
Kansas City Life Insurance Company (KCLI) vs. S&P 500 (SPY)
Market Cap
$329.22M
Dividend Yield1.65%
Average Volume (3M)718.00
Price to Earnings (P/E)5.9
Beta (1Y)0.54
Revenue Growth0.41%
EPS GrowthN/A
CountryUS
Employees436
SectorFinancial
Sector Strength77
IndustryInsurance
Share Statistics
EPS (TTM)-0.51
Shares Outstanding9,683,000
10 Day Avg. Volume246
30 Day Avg. Volume718
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)0.71
Price to Cash Flow (P/CF)-7.70
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
Kansas City Life Insurance Company Business Overview & Revenue Model
Company DescriptionKansas City Life Insurance Company (KCLI) is a prominent provider in the insurance industry, offering a wide range of life insurance and annuity products to individuals, families, and businesses. Established with a commitment to financial security and customer service, KCLI operates through a network of dedicated agents and brokers who help tailor solutions to meet the diverse needs of its clients. With a focus on long-term stability and financial strength, the company plays a vital role in helping policyholders achieve their financial and retirement goals.
How the Company Makes MoneyKansas City Life Insurance Company generates revenue primarily through the sale of life insurance and annuity products. Premiums paid by policyholders constitute the main revenue stream, which includes term life, whole life, universal life, and various annuity products. The company also invests a portion of the premiums collected into a diversified portfolio of assets, including bonds, equities, and real estate, to generate investment income. This investment income is a significant contributor to the company's earnings, helping to cover claims and operational expenses while also providing returns to policyholders. Additionally, KCLI may benefit from strategic partnerships and affiliations that enhance its distribution network and product offerings, further supporting its revenue growth.
Kansas City Life Insurance Company Financial Statement Overview
Summary
Kansas City Life Insurance Company demonstrates financial resilience in its balance sheet with no debt and strong equity. However, the income statement shows mixed results with revenue decline but improved profitability. The cash flow statements reveal potential liquidity concerns with negative operating cash flow. The company should focus on improving cash generation while maintaining its strong balance sheet position.Income Statement
The income statement for Kansas City Life Insurance Company shows a mixed performance. The TTM (Trailing-Twelve-Months) revenue shows a decline from the previous annual report, indicating a negative growth trajectory. However, the company has improved its net income from a loss in 2022 to a profit in 2023 and TTM, which positively impacts the net profit margin. The gross profit margin remains stable. EBIT and EBITDA margins have seen significant fluctuations but show improvement in the TTM period.75
Positive
Balance Sheet
The balance sheet reflects a strong position with no debt, which minimizes financial risk. The equity ratio indicates a solid equity base, and the return on equity has improved with the return to profitability. The company's assets have grown, and stockholders' equity has increased steadily, indicating a robust financial foundation.85
Very Positive
Cash Flow
Cash flow analysis reveals challenges with negative operating cash flow and free cash flow in both the annual and TTM periods. The operating cash flow to net income ratio is unfavorable, suggesting issues with cash generation from operations. However, the company has managed its capital expenditures well, resulting in consistent free cash flow levels.60
Neutral
| Breakdown | |||||
| TTM | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|
| Income Statement | Total Revenue | ||||
| 497.41M | 558.92M | 475.95M | 511.25M | 523.91M | 512.69M | Gross Profit |
| 497.41M | 239.29M | 475.95M | 511.25M | 523.91M | 512.69M | EBIT |
| 1.00B | 0.00 | -20.76M | 160.00K | 10.00M | 23.35M | EBITDA |
| 850.28M | 0.00 | -14.16M | 0.00 | 24.45M | 37.82M | Net Income Common Stockholders |
| 56.71M | 54.92M | -16.22M | 10.70M | 15.17M | 24.43M |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | ||||
| 2.79B | 9.70M | 2.27B | 3.17B | 3.25B | 3.04B | Total Assets |
| 4.97B | 4.64B | 4.97B | 5.43B | 5.46B | 5.22B | Total Debt |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | Net Debt |
| -31.69M | -9.70M | -7.77M | -5.42M | -7.20M | -14.23M | Total Liabilities |
| 4.28B | 4.44B | 4.08B | 4.20B | 4.16B | 4.03B | Stockholders Equity |
| 691.71M | 609.36M | 491.69M | 830.43M | 908.74M | 810.73M |
| Cash Flow | Free Cash Flow | ||||
| -56.68M | -51.45M | -54.87M | -46.95M | 4.08M | -2.25M | Operating Cash Flow |
| -55.57M | -50.54M | -54.33M | -46.32M | 5.89M | 132.00K | Investing Cash Flow |
| -8.13M | -2.60M | -89.17M | -7.86M | -34.02M | -23.66M | Financing Cash Flow |
| 63.13M | 55.07M | 145.85M | 52.40M | 21.10M | 6.08M |
Kansas City Life Insurance Company Technical Analysis
Negative
34.00
Price Trends
35.63
Negative
35.65
Negative
35.88
Negative
Market Momentum
-0.25
Positive
39.77
Neutral
31.45
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KCLI, the sentiment is Negative. The current price of 34 is below the 20-day moving average (MA) of 35.04, below the 50-day MA of 35.63, and below the 200-day MA of 35.88, indicating a bearish trend. The MACD of -0.25 indicates Positive momentum. The RSI at 39.77 is Neutral, neither overbought nor oversold. The STOCH value of 31.45 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for KCLI.
Kansas City Life Insurance Company Peers Comparison
Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $13.67B | 8.36 | 17.26% | 2.10% | 4.03% | 45.42% | |
73 Outperform | $9.17B | 20.59 | 23.10% | 1.28% | 10.06% | -13.72% | |
67 Neutral | $329.22M | 5.91 | -0.83% | 1.65% | 0.41% | ― | |
67 Neutral | $5.82B | 1.93 | 43.24% | 5.06% | 47.95% | ― | |
66 Neutral | $3.89B | 10.59 | 17.14% | 1.59% | 7.47% | 55.84% | |
64 Neutral | $13.80B | 10.64 | 9.23% | 4.22% | 17.66% | -7.66% | |
61 Neutral | $53.94B | 13.84 | 15.41% | 2.75% | 6.10% | 225.22% |
* Financial Sector Average
Performance Comparison
KCLI
Kansas City Life Insurance Company
34.44
-3.17
-8.43%
CNO
CNO Financial
38.92
12.71
48.49%
LNC
Lincoln National
34.81
9.55
37.81%
MET
Metlife
78.45
8.82
12.67%
PRI
Primerica
277.72
34.39
14.13%
UNM
Unum Group
78.61
29.09
58.74%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.