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Kansas City Life Insurance Company
(OTC:KCLI)
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Rating:56Neutral
Price Target:
$35.00
▲(4.42% Upside)
Action:Reiterated
Date:08/04/26
The score is driven primarily by mixed financial performance: a strong, no-debt balance sheet and improved TTM profitability are offset by multi-year earnings volatility and consistently negative operating/free cash flow. Technical indicators add modest support with price above key moving averages and positive MACD, while valuation is pressured by a negative P/E despite a modest dividend yield.
Positive Factors
Conservative balance sheet
No reported debt and a solid equity base reduce solvency and refinancing risk, giving the insurer durable capacity to meet policyholder liabilities and absorb underwriting or market shocks. This structural strength supports operational continuity over the next several months.
Negative Factors
Persistent negative cash flow
Consistent negative operating and free cash flow is a structural weakness: accounting profits have not converted to cash, forcing reliance on investments, asset sales, or capital actions to fund claims and expenses. This constrains flexibility and increases financing risk over months.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
No reported debt and a solid equity base reduce solvency and refinancing risk, giving the insurer durable capacity to meet policyholder liabilities and absorb underwriting or market shocks. This structural strength supports operational continuity over the next several months.
Read all positive factors
Kansas City Life Insurance Company (KCLI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$344.04M
Dividend Yield1.91%
Average Volume (3M)886.00
Price to Earnings (P/E)15.1
Beta (1Y)0.41
Revenue Growth1.17%
EPS GrowthN/A
CountryUS
Employees449
SectorFinancial
Sector Strength70
IndustryInsurance - Life
Share Statistics
EPS (TTM)2.36
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Operating in 49 U.S. states and the District of Columbia, Kansas City Life Insurance Company delivers a wide array of financial protection solutions. Its comprehensive product range covers individual and group policies for life, health, and accide...
How the Company Makes Money
KCLI primarily makes money through (1) insurance underwriting income and (2) investment income on the assets it holds to support future policyholder benefits. Underwriting-related revenue is generated from premiums paid by policyholders for life i...
Kansas City Life Insurance Company Financial Statement Overview
Summary
Income Statement
53
Neutral
Balance Sheet
78
Positive
Cash Flow
30
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 487.87M | 485.45M | 490.74M | 494.97M | 475.95M | 494.65M |
| Gross Profit | 547.64M | 485.45M | 126.33M | 120.51M | 103.98M | 100.83M |
| EBITDA | 23.74M | -28.02M | -2.80M | 74.56M | -14.16M | 20.89M |
| Net Income | 22.77M | -20.76M | -4.96M | 54.92M | -16.22M | 10.70M |
Balance Sheet | ||||||
| Total Assets | 4.82B | 4.89B | 5.02B | 4.64B | 4.97B | 5.43B |
| Cash, Cash Equivalents and Short-Term Investments | 7.52M | 308.71M | 274.35M | 9.70M | 2.27B | 3.17B |
| Total Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 4.15B | 4.23B | 4.44B | 4.44B | 4.08B | 4.20B |
| Stockholders Equity | 672.63M | 665.58M | 581.45M | 609.36M | 491.69M | 830.43M |
Cash Flow | ||||||
| Free Cash Flow | -120.42M | -130.81M | -59.67M | -51.45M | -54.87M | -46.95M |
| Operating Cash Flow | -118.60M | -130.55M | -58.37M | -50.54M | -54.33M | -46.32M |
| Investing Cash Flow | 57.23M | 45.03M | -13.01M | -2.60M | -89.17M | -7.86M |
| Financing Cash Flow | 61.02M | 85.85M | 69.78M | 55.07M | 145.85M | 52.40M |
Kansas City Life Insurance Company Technical Analysis
Positive
33.52
Price Trends
33.85
Positive
32.70
Positive
32.30
Positive
Market Momentum
0.61
Negative
69.88
Neutral
72.29
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KCLI, the sentiment is Positive. The current price of 33.52 is below the 20-day moving average (MA) of 34.70, below the 50-day MA of 33.85, and above the 200-day MA of 32.30, indicating a bullish trend. The MACD of 0.61 indicates Negative momentum. The RSI at 69.88 is Neutral, neither overbought nor oversold. The STOCH value of 72.29 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 | $26.52M | 5.83 | 4.43% | 1.27% | 11.99% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $3.74B | 18.15 | 2.42% | ― | -0.68% | 19.26% | |
59 Neutral | $199.53M | 16.78 | 4.96% | ― | 3.69% | 2.53% | |
56 Neutral | $344.04M | 15.14 | -2.07% | 1.91% | 1.17% | ― | |
43 Neutral | $2.98B | 4.08 | 13.17% | ― | 2.62% | 33.55% |
* Financial Sector Average
KCLI
Kansas City Life Insurance Company
35.65
0.99
2.86%
AAME
Atlantic American
1.29
-2.21
-63.14%
CIA
Citizens
3.89
-1.48
-27.56%
GNW
Genworth Financial
9.86
1.25
14.52%
BHF
Brighthouse Financial
51.87
4.98
10.62%
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.