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:55Neutral
Price Target:
$32.00
▼(-3.76% Downside)
Action:Reiterated
Date:05/09/26
The score is held back mainly by deteriorating profitability, shrinking revenue, and persistent negative cash flow despite a strong, debt-free balance sheet. Valuation (low P/E and a modest dividend) is a key offset, while technicals are broadly neutral-to-slightly weak with negative MACD and price below longer-term moving averages.
Positive Factors
Conservative balance sheet (debt-free)
A zero-debt balance sheet is a durable strength: it provides financial flexibility to absorb underwriting volatility, fund operations or reinvestment without borrowing, and reduces default risk. Over the next 2–6 months this capacity helps manage cash burn and preserves options for capital actions.
Negative Factors
Declining top line
A ~24% TTM revenue decline materially weakens scale and fixed-cost absorption for distribution and admin functions. Persistent top-line shrinkage undermines underwriting leverage, reduces premium base for investment income, and makes medium-term margin recovery more difficult without clear sales remediation.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet (debt-free)
A zero-debt balance sheet is a durable strength: it provides financial flexibility to absorb underwriting volatility, fund operations or reinvestment without borrowing, and reduces default risk. Over the next 2–6 months this capacity helps manage cash burn and preserves options for capital actions.
Read all positive factors
Kansas City Life Insurance Company (KCLI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$306.65M
Dividend Yield1.75%
Average Volume (3M)886.00
Price to Earnings (P/E)8.1
Beta (1Y)0.37
Revenue Growth0.38%
EPS Growth-209.66%
CountryUS
Employees443
SectorFinancial
Sector Strength70
IndustryInsurance - Life
Share Statistics
EPS (TTM)-1.34
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 Cap0.98
Enterprise Value/Revenue0.62
Enterprise Value/Gross Profit0.58
Enterprise Value/Ebitda-13.89
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 premiums collected from policyholders and group customers, (2) investment income earned on the invested assets backing policy reserves and surplus, and (3) policy-related fees and other charges asso...
Kansas City Life Insurance Company Financial Statement Overview
Summary
Income Statement
27
Negative
Balance Sheet
68
Positive
Cash Flow
18
Very Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 484.31M | 485.45M | 490.74M | 494.97M | 475.95M | 494.65M |
| Gross Profit | 520.54M | 485.45M | 126.33M | 120.51M | 103.98M | 100.83M |
| EBITDA | -21.59M | -28.02M | -2.80M | 74.56M | -14.16M | 20.89M |
| Net Income | -13.07M | -20.76M | -4.96M | 54.92M | -16.22M | 10.70M |
Balance Sheet | ||||||
| Total Assets | 4.78B | 4.89B | 5.02B | 4.64B | 4.97B | 5.43B |
| Cash, Cash Equivalents and Short-Term Investments | 7.97M | 8.43M | 274.35M | 9.70M | 2.27B | 3.17B |
| Total Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 4.12B | 4.23B | 4.44B | 4.44B | 4.08B | 4.20B |
| Stockholders Equity | 663.67M | 665.58M | 581.45M | 609.36M | 491.69M | 830.43M |
Cash Flow | ||||||
| Free Cash Flow | -115.58M | -130.81M | -59.67M | -51.45M | -54.87M | -46.95M |
| Operating Cash Flow | -115.37M | -130.55M | -58.37M | -50.54M | -54.33M | -46.32M |
| Investing Cash Flow | 40.83M | 45.03M | -13.01M | -2.60M | -89.17M | -7.86M |
| Financing Cash Flow | 75.48M | 85.85M | 69.78M | 55.07M | 145.85M | 52.40M |
Kansas City Life Insurance Company Technical Analysis
Positive
33.25
Price Trends
31.55
Positive
32.06
Negative
32.10
Negative
Market Momentum
0.02
Negative
59.58
Neutral
73.17
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 33.25 is above the 20-day moving average (MA) of 30.94, above the 50-day MA of 31.55, and above the 200-day MA of 32.10, indicating a neutral trend. The MACD of 0.02 indicates Negative momentum. The RSI at 59.58 is Neutral, neither overbought nor oversold. The STOCH value of 73.17 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 | $45.89M | 25.36 | 4.89% | 0.74% | 11.99% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $3.47B | 16.76 | 2.46% | ― | -1.14% | 7.17% | |
63 Neutral | $263.89M | 27.78 | 7.96% | ― | 6.89% | 109.33% | |
55 Neutral | $306.65M | 8.10 | -3.37% | 1.75% | 0.38% | -209.66% | |
54 Neutral | $3.59B | -1.13 | -1.07% | ― | -16.15% | -133.67% |
* Financial Sector Average
KCLI
Kansas City Life Insurance Company
31.80
2.51
8.58%
AAME
Atlantic American
2.20
0.48
27.91%
CIA
Citizens
5.02
1.07
27.09%
GNW
Genworth Financial
9.28
2.06
28.53%
BHF
Brighthouse Financial
62.70
1.55
2.54%
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.