Kansas City Life Insurance Company (KCLI)
OTHER OTC:KCLI
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Kansas City Life Insurance Company
(OTC:KCLI)
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Rating:47Neutral
Price Target:
$32.00
▼(-3.76% Downside)
Action:ReiteratedDate:03/12/26
The score is held down primarily by worsening earnings in 2024–2025 and consistently negative cash flow, which weaken overall financial performance. Technical indicators are broadly neutral with only mild negative momentum, and valuation support is limited because the negative P/E reflects losses despite a modest dividend yield.
Positive Factors
Conservative Balance Sheet
No reported debt materially reduces financial risk and gives the company durable capacity to absorb underwriting volatility or investment stress. Over months, low leverage supports regulatory capital, preserves strategic optionality for reinsurance or opportunistic asset purchases, and limits insolvency risk.
Negative Factors
Persistent Negative Cash Flow
Sustained operating and free cash outflows weaken financial flexibility and force reliance on investment realizations or capital actions. Over a multi-month horizon this limits ability to support new sales, pay claims from operating receipts, invest in technology/distribution, or withstand prolonged adverse mortality or market shocks.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
No reported debt materially reduces financial risk and gives the company durable capacity to absorb underwriting volatility or investment stress. Over months, low leverage supports regulatory capital, preserves strategic optionality for reinsurance or opportunistic asset purchases, and limits insolvency risk.
Read all positive factors
Kansas City Life Insurance Company (KCLI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$309.86M
Dividend Yield1.75%
Average Volume (3M)886.00
Price to Earnings (P/E)―
Beta (1Y)0.42
Revenue Growth-3.32%
EPS Growth-162.81%
CountryUS
Employees443
SectorFinancial
Sector Strength70
IndustryInsurance - Life
Share Statistics
EPS (TTM)0.10
Shares Outstanding9,683,000
10 Day Avg. Volume369
30 Day Avg. Volume886
Financial Highlights & Ratios
PEG Ratio-0.05
Price to Book (P/B)0.47
Price to Sales (P/S)0.64
P/FCF Ratio-2.38
Enterprise Value/Market Cap0.97
Enterprise Value/Revenue0.62
Enterprise Value/Gross Profit0.62
Enterprise Value/Ebitda-10.76
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Kansas City Life Insurance Company Business Overview & Revenue Model
Company Description
Kansas City Life Insurance Company provides insurance products and services in 49 states and the District of Columbia. It offers a portfolio of individual insurance, annuity, and group life and health insurance; and traditional life insurance, imm...
How the Company Makes Money
KCLI primarily makes money through (1) insurance underwriting income and (2) investment income on invested assets supporting policy liabilities and capital. Underwriting-related revenue comes from policyholder premiums collected on in-force polici...
Kansas City Life Insurance Company Financial Statement Overview
Summary
Income Statement
38
Negative
Balance Sheet
74
Positive
Cash Flow
27
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 485.45M | 490.74M | 494.97M | 475.95M | 494.65M |
| Gross Profit | 485.45M | 126.33M | 120.51M | 103.98M | 100.83M |
| EBITDA | -28.02M | -2.80M | 74.56M | -14.16M | 20.89M |
| Net Income | -20.76M | -4.96M | 54.92M | -16.22M | 10.70M |
Balance Sheet | |||||
| Total Assets | 4.89B | 5.02B | 4.64B | 4.97B | 5.43B |
| Cash, Cash Equivalents and Short-Term Investments | 8.43M | 274.35M | 9.70M | 2.27B | 3.17B |
| Total Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 4.23B | 4.44B | 4.44B | 4.08B | 4.20B |
| Stockholders Equity | 665.58M | 581.45M | 609.36M | 491.69M | 830.43M |
Cash Flow | |||||
| Free Cash Flow | -130.81M | -59.67M | -51.45M | -54.87M | -46.95M |
| Operating Cash Flow | -130.55M | -58.37M | -50.54M | -54.33M | -46.32M |
| Investing Cash Flow | 45.03M | -13.01M | -2.60M | -89.17M | -7.86M |
| Financing Cash Flow | 85.85M | 69.78M | 55.07M | 145.85M | 52.40M |
Kansas City Life Insurance Company Technical Analysis
Neutral
33.25
Price Trends
32.53
Negative
32.27
Negative
32.11
Positive
Market Momentum
-0.11
Positive
47.44
Neutral
39.44
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KCLI, the sentiment is Neutral. The current price of 33.25 is above the 20-day moving average (MA) of 32.28, above the 50-day MA of 32.53, and above the 200-day MA of 32.11, indicating a neutral trend. The MACD of -0.11 indicates Positive momentum. The RSI at 47.44 is Neutral, neither overbought nor oversold. The STOCH value of 39.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for KCLI.
Kansas City Life Insurance Company Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $44.67M | 25.36 | 4.89% | 0.74% | 11.99% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | $3.31B | 16.56 | 2.54% | ― | 1.41% | 150.35% | |
54 Neutral | $3.44B | 8.55 | 7.20% | ― | 27.71% | ― | |
52 Neutral | $260.05M | 16.59 | 6.43% | ― | -0.55% | -51.14% | |
47 Neutral | $309.86M | -14.97 | -5.65% | 1.75% | -3.32% | -162.81% |
* Financial Sector Average
KCLI
Kansas City Life Insurance Company
32.00
1.74
5.75%
AAME
Atlantic American
2.19
0.63
40.38%
CIA
Citizens
5.17
1.30
33.59%
GNW
Genworth Financial
8.54
2.39
38.86%
BHF
Brighthouse Financial
60.15
12.32
25.76%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.