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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt No Debt
OTCPK:KCLI's Cash to Debt is ranked higher than
98% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.23 vs. OTCPK:KCLI: No Debt )
Ranked among companies with meaningful Cash to Debt only.
OTCPK:KCLI' s Cash to Debt Range Over the Past 10 Years
Min: 0  Med: N/A Max: No Debt
Current: No Debt
Equity to Asset 0.16
OTCPK:KCLI's Equity to Asset is ranked higher than
78% of the 86 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.08 vs. OTCPK:KCLI: 0.16 )
Ranked among companies with meaningful Equity to Asset only.
OTCPK:KCLI' s Equity to Asset Range Over the Past 10 Years
Min: 0.13  Med: 0.15 Max: 0.17
Current: 0.16
0.13
0.17
Interest Coverage No Debt
OTCPK:KCLI's Interest Coverage is ranked higher than
98% of the 96 Companies
in the Global Insurance - Life industry.

( Industry Median: 38.86 vs. OTCPK:KCLI: No Debt )
Ranked among companies with meaningful Interest Coverage only.
OTCPK:KCLI' s Interest Coverage Range Over the Past 10 Years
Min: N/A  Med: No Debt Max: No Debt
Current: No Debt
N/A
No Debt
F-Score: 4
WACC vs ROIC
8.00%
2.52%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 7.17
OTCPK:KCLI's Operating margin (%) is ranked lower than
52% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.58 vs. OTCPK:KCLI: 7.17 )
Ranked among companies with meaningful Operating margin (%) only.
OTCPK:KCLI' s Operating margin (%) Range Over the Past 10 Years
Min: -7  Med: 9.24 Max: 13.52
Current: 7.17
-7
13.52
Net-margin (%) 5.01
OTCPK:KCLI's Net-margin (%) is ranked lower than
53% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.35 vs. OTCPK:KCLI: 5.01 )
Ranked among companies with meaningful Net-margin (%) only.
OTCPK:KCLI' s Net-margin (%) Range Over the Past 10 Years
Min: -4.55  Med: 6.24 Max: 9.35
Current: 5.01
-4.55
9.35
ROE (%) 2.37
OTCPK:KCLI's ROE (%) is ranked lower than
84% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.16 vs. OTCPK:KCLI: 2.37 )
Ranked among companies with meaningful ROE (%) only.
OTCPK:KCLI' s ROE (%) Range Over the Past 10 Years
Min: -2.81  Med: 4.08 Max: 5.63
Current: 2.37
-2.81
5.63
ROA (%) 0.37
OTCPK:KCLI's ROA (%) is ranked lower than
74% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.65 vs. OTCPK:KCLI: 0.37 )
Ranked among companies with meaningful ROA (%) only.
OTCPK:KCLI' s ROA (%) Range Over the Past 10 Years
Min: -0.41  Med: 0.66 Max: 0.92
Current: 0.37
-0.41
0.92
Revenue Growth (3Y)(%) -100.00
OTCPK:KCLI's Revenue Growth (3Y)(%) is ranked lower than
99% of the 82 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.30 vs. OTCPK:KCLI: -100.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
OTCPK:KCLI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 0.4 Max: 5.4
Current: -100
-100
5.4
EBITDA Growth (3Y)(%) -100.00
OTCPK:KCLI's EBITDA Growth (3Y)(%) is ranked lower than
99% of the 79 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.90 vs. OTCPK:KCLI: -100.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
OTCPK:KCLI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 3.4 Max: 53.1
Current: -100
-100
53.1
EPS Growth (3Y)(%) -100.00
OTCPK:KCLI's EPS Growth (3Y)(%) is ranked lower than
99% of the 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.30 vs. OTCPK:KCLI: -100.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
OTCPK:KCLI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 2.3 Max: 58.6
Current: -100
-100
58.6
» OTCPK:KCLI's 10-Y Financials

Financials (Next Earnings Date: 2017-03-10)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q4 2015

KCLI Guru Trades in Q4 2015

Jim Simons 24,308 sh (New)
Donald Smith 73,734 sh (-18.72%)
» More
Q1 2016

KCLI Guru Trades in Q1 2016

Donald Smith 73,734 sh (unchged)
Jim Simons Sold Out
» More
Q2 2016

KCLI Guru Trades in Q2 2016

Donald Smith 69,952 sh (-5.13%)
» More
Q3 2016

KCLI Guru Trades in Q3 2016

Donald Smith 36,408 sh (-47.95%)
» More
» Details

Insider Trades

Latest Guru Trades with KCLI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Insurance - Life » Insurance - Life
Compare:NYSE:CIA, NYSE:IHC, NAS:TIPT, NAS:AAME, OTCPK:UTGN, NAS:GWGH, OTCPK:IHRC, NAS:NWLI, NYSE:AEL, NYSE:FFG, OTCPK:MMHDF, OTCPK:DLLLF, NYSE:CNO, NYSE:PRI, OTCPK:STJPF, OTCPK:TDHOY, NYSE:TMK, OTCPK:SLFPF, OTCPK:SLLDY, NYSE:UNM » details
Kansas City Life Insurance through its subsidiaries offers individual life insurance, group life insurance, annuity policies and also offers investment products and broker-dealer services.

Kansas City Life Insurance was incorporated under the assessment laws of Missouri in 1895 as the Bankers Life Association. In 1900, its present corporate title was adopted and it was reorganized as a stock life insurance company in 1903. The Company is a financial services company that offers underwriting, sales, and administration of life insurance and annuity products. The Company offers investment and broker-dealer services through its subsidiary Sunset Financial Services "SFS" for both proprietary and non-proprietary variable insurance products, mutual funds and other securities. Its three reportable business segments are Individual Insurance, Group Insurance and Old American. The Individual Insurance segment is comprised of sales of non-group products from the Company and the closed blocks of Sunset Life, GuideOne Life, and the reinsurance transaction originated in 1997. Sunset Life is included in the Individual Insurance segment and its individual insurance products include traditional and interest sensitive products. Sunset Life operates in 43 states and the District of Columbia. This segment also includes sales from third-party marketing arrangements, including American Republic and GuideOne Mutual. This segment offers traditional whole life, term life and universal life products, along with fixed deferred and immediate annuity products and variable universal life and annuity products. It also markets group insurance products, which include life, dental, vision, and disability products through its sales force of general agents, group brokers and third-party marketing arrangements. It operates in 48 states and the District of Columbia. Old American focuses on selling final expense life insurance products to the senior market. Old American markets its products nationwide through a general agency system, with exclusive territories, using direct response marketing to supply agents with leads. Old American operates in 47 states and the District of Columbia. The Company is subject to state regulations in its states of domicile and in the states in which it does business.

Ratios

vs
industry
vs
history
P/E(ttm) 27.41
KCLI's P/E(ttm) is ranked lower than
84% of the 109 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.42 vs. KCLI: 27.41 )
Ranked among companies with meaningful P/E(ttm) only.
KCLI' s P/E(ttm) Range Over the Past 10 Years
Min: 8.72  Med: 16.24 Max: 250.08
Current: 27.41
8.72
250.08
PE(NRI) 27.41
KCLI's PE(NRI) is ranked lower than
83% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.43 vs. KCLI: 27.41 )
Ranked among companies with meaningful PE(NRI) only.
KCLI' s PE(NRI) Range Over the Past 10 Years
Min: 8.74  Med: 16.26 Max: 242.38
Current: 27.41
8.74
242.38
Price/Owner Earnings (ttm) 23.73
KCLI's Price/Owner Earnings (ttm) is ranked lower than
81% of the 54 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.87 vs. KCLI: 23.73 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
KCLI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 9.41  Med: 17.53 Max: 56.04
Current: 23.73
9.41
56.04
P/B 0.64
KCLI's P/B is ranked higher than
87% of the 106 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.25 vs. KCLI: 0.64 )
Ranked among companies with meaningful P/B only.
KCLI' s P/B Range Over the Past 10 Years
Min: 0.36  Med: 0.64 Max: 1.06
Current: 0.64
0.36
1.06
P/S 1.37
KCLI's P/S is ranked lower than
60% of the 98 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.03 vs. KCLI: 1.37 )
Ranked among companies with meaningful P/S only.
KCLI' s P/S Range Over the Past 10 Years
Min: 0.51  Med: 1.08 Max: 1.6
Current: 1.37
0.51
1.6
PFCF 60.06
KCLI's PFCF is ranked lower than
82% of the 56 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.50 vs. KCLI: 60.06 )
Ranked among companies with meaningful PFCF only.
KCLI' s PFCF Range Over the Past 10 Years
Min: 8.8  Med: 19.05 Max: 279.2
Current: 60.06
8.8
279.2
POCF 55.41
KCLI's POCF is ranked lower than
82% of the 72 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.49 vs. KCLI: 55.41 )
Ranked among companies with meaningful POCF only.
KCLI' s POCF Range Over the Past 10 Years
Min: 6.22  Med: 18 Max: 89.03
Current: 55.41
6.22
89.03
EV-to-EBIT 17.35
KCLI's EV-to-EBIT is ranked lower than
83% of the 86 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.17 vs. KCLI: 17.35 )
Ranked among companies with meaningful EV-to-EBIT only.
KCLI' s EV-to-EBIT Range Over the Past 10 Years
Min: -134.4  Med: 10 Max: 175.7
Current: 17.35
-134.4
175.7
EV-to-EBITDA 14.87
KCLI's EV-to-EBITDA is ranked lower than
83% of the 84 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.87 vs. KCLI: 14.87 )
Ranked among companies with meaningful EV-to-EBITDA only.
KCLI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -134.4  Med: 9.3 Max: 175.7
Current: 14.87
-134.4
175.7
Shiller P/E 20.96
KCLI's Shiller P/E is ranked lower than
67% of the 42 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.13 vs. KCLI: 20.96 )
Ranked among companies with meaningful Shiller P/E only.
KCLI' s Shiller P/E Range Over the Past 10 Years
Min: 5.56  Med: 13.63 Max: 21.28
Current: 20.96
5.56
21.28

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.29
KCLI's Dividend Yield is ranked lower than
79% of the 124 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.47 vs. KCLI: 2.29 )
Ranked among companies with meaningful Dividend Yield only.
KCLI' s Dividend Yield Range Over the Past 10 Years
Min: 1.15  Med: 2.43 Max: 6.67
Current: 2.29
1.15
6.67
Dividend Growth (3y) -100.00
KCLI's Dividend Growth (3y) is ranked lower than
94% of the 53 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.60 vs. KCLI: -100.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
KCLI' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -100  Med: 0 Max: 10.1
Current: -100
-100
10.1
Forward Dividend Yield 2.29
KCLI's Forward Dividend Yield is ranked lower than
79% of the 124 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.49 vs. KCLI: 2.29 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.29
KCLI's Yield on cost (5-Year) is ranked lower than
99.99% of the 123 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.75 vs. KCLI: 2.29 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
KCLI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.16  Med: 2.43 Max: 6.67
Current: 2.29
1.16
6.67
3-Year Average Share Buyback Ratio 4.30
KCLI's 3-Year Average Share Buyback Ratio is ranked higher than
94% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.30 vs. KCLI: 4.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
KCLI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 0.2  Med: 0.8 Max: 4.3
Current: 4.3
0.2
4.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.64
KCLI's Price/Tangible Book is ranked higher than
89% of the 106 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.58 vs. KCLI: 0.64 )
Ranked among companies with meaningful Price/Tangible Book only.
KCLI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.48  Med: 0.78 Max: 1.16
Current: 0.64
0.48
1.16
Price/Projected FCF 0.54
KCLI's Price/Projected FCF is ranked higher than
55% of the 56 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.66 vs. KCLI: 0.54 )
Ranked among companies with meaningful Price/Projected FCF only.
KCLI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.34  Med: 0.53 Max: 1.13
Current: 0.54
0.34
1.13
Price/Median PS Value 1.27
KCLI's Price/Median PS Value is ranked lower than
75% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.06 vs. KCLI: 1.27 )
Ranked among companies with meaningful Price/Median PS Value only.
KCLI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.63  Med: 1.01 Max: 1.27
Current: 1.27
0.63
1.27
Price/Graham Number 0.88
KCLI's Price/Graham Number is ranked higher than
69% of the 96 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.07 vs. KCLI: 0.88 )
Ranked among companies with meaningful Price/Graham Number only.
KCLI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.41  Med: 0.69 Max: 2.48
Current: 0.88
0.41
2.48
Earnings Yield (Greenblatt) (%) 5.80
KCLI's Earnings Yield (Greenblatt) (%) is ranked lower than
68% of the 108 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.10 vs. KCLI: 5.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
KCLI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.6  Med: 9.7 Max: 20.9
Current: 5.8
0.6
20.9
Forward Rate of Return (Yacktman) (%) -3.03
KCLI's Forward Rate of Return (Yacktman) (%) is ranked lower than
93% of the 59 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.81 vs. KCLI: -3.03 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
KCLI' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -15.1  Med: 5.15 Max: 38.9
Current: -3.03
-15.1
38.9

More Statistics

Revenue (TTM) (Mil) $333.3
EPS (TTM) $ 1.72
Beta0.75
Short Percentage of Float2.04%
52-Week Range $35.00 - 51.45
Shares Outstanding (Mil)9.68
» More Articles for OTCPK:KCLI

Headlines

Articles On GuruFocus.com
Insurance Agaisnt a Market with Little Value Aug 08 2014 
Kansas City Life Insurance Company Reports Operating Results (10-Q) Oct 29 2010 
Kansas City Life Insurance Company Reports Operating Results (10-Q) Jul 30 2010 
Kansas City Life Insurance Company Reports Operating Results (10-Q) Apr 30 2010 
Kansas City Life Insurance Company Reports Operating Results (10-Q) Oct 30 2009 
Kansas City Life Insurance Company Reports Operating Results (10-Q) Jul 30 2009 
Kansas City Life Insurance Company Reports Operating Results (10-Q) May 01 2009 

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