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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 : 6/10

vs
industry
vs
history
Cash to Debt No Debt
KCLI's Cash to Debt is ranked higher than
95% of the 159 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.36 vs. KCLI: No Debt )
KCLI' s 10-Year Cash to Debt Range
Min: 0   Max: No Debt
Current: No Debt

Equity to Asset 0.17
KCLI's Equity to Asset is ranked higher than
93% of the 169 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.06 vs. KCLI: 0.17 )
KCLI' s 10-Year Equity to Asset Range
Min: 0.13   Max: 0.17
Current: 0.17

0.13
0.17
Interest Coverage No Debt
KCLI's Interest Coverage is ranked higher than
93% of the 140 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.17 vs. KCLI: No Debt )
KCLI' s 10-Year Interest Coverage Range
Min: 129.32   Max: 9999.99
Current: No Debt

129.32
9999.99
F-Score: 5
Z-Score: 0.47
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 : 7/10

vs
industry
vs
history
Operating margin (%) 9.02
KCLI's Operating margin (%) is ranked higher than
82% of the 171 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.63 vs. KCLI: 9.02 )
KCLI' s 10-Year Operating margin (%) Range
Min: -7   Max: 16.26
Current: 9.02

-7
16.26
Net-margin (%) 6.03
KCLI's Net-margin (%) is ranked higher than
83% of the 171 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.93 vs. KCLI: 6.03 )
KCLI' s 10-Year Net-margin (%) Range
Min: -4.55   Max: 11.48
Current: 6.03

-4.55
11.48
ROE (%) 3.79
KCLI's ROE (%) is ranked higher than
65% of the 170 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.72 vs. KCLI: 3.79 )
KCLI' s 10-Year ROE (%) Range
Min: -2.81   Max: 10.42
Current: 3.79

-2.81
10.42
ROA (%) 0.62
KCLI's ROA (%) is ranked higher than
75% of the 171 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.70 vs. KCLI: 0.62 )
KCLI' s 10-Year ROA (%) Range
Min: -0.41   Max: 1.5
Current: 0.62

-0.41
1.5
ROC (Joel Greenblatt) (%) 239.67
KCLI's ROC (Joel Greenblatt) (%) is ranked higher than
80% of the 147 Companies
in the Global Insurance - Life industry.

( Industry Median: 341.36 vs. KCLI: 239.67 )
KCLI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -97.63   Max: 517.06
Current: 239.67

-97.63
517.06
Revenue Growth (%) 5.40
KCLI's Revenue Growth (%) is ranked higher than
79% of the 150 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.50 vs. KCLI: 5.40 )
KCLI' s 10-Year Revenue Growth (%) Range
Min: -4.9   Max: 5.6
Current: 5.4

-4.9
5.6
EBITDA Growth (%) 10.70
KCLI's EBITDA Growth (%) is ranked higher than
83% of the 144 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.40 vs. KCLI: 10.70 )
KCLI' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 52.9
Current: 10.7

0
52.9
EPS Growth (%) 11.50
KCLI's EPS Growth (%) is ranked higher than
85% of the 141 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.00 vs. KCLI: 11.50 )
KCLI' s 10-Year EPS Growth (%) Range
Min: -33.1   Max: 56.9
Current: 11.5

-33.1
56.9
» KCLI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

KCLI Guru Trades in Q4 2013

Donald Smith 108,712 sh (unchged)
Chuck Royce 3,247 sh (unchged)
Jim Simons 7,579 sh (-4.06%)
» More
Q1 2014

KCLI Guru Trades in Q1 2014

Donald Smith 108,712 sh (unchged)
Jim Simons Sold Out
Chuck Royce 500 sh (-84.6%)
» More
Q2 2014

KCLI Guru Trades in Q2 2014

Chuck Royce 500 sh (unchged)
Donald Smith 90,712 sh (-16.56%)
» More
Q3 2014

KCLI Guru Trades in Q3 2014

Donald Smith 90,712 sh (unchged)
Chuck Royce 500 sh (unchged)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Richard Snow 2012-06-30 Sold Out 0.01%$30.81 - $34.5 $ 48.851%0
Donald Smith 2011-12-31 Add 20.76%0.02%$30.16 - $36.07 $ 48.852%109542
Richard Snow 2011-12-31 New Buy0.01%$30.16 - $36.07 $ 48.852%6620
Charles Brandes 2011-12-31 Sold Out 0.0024%$30.16 - $36.07 $ 48.852%0
Richard Snow 2011-09-30 Sold Out 0.0098%$28.37 - $31.57 $ 48.861%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 18.90
KCLI's P/E(ttm) is ranked higher than
74% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 16.40 vs. KCLI: 18.90 )
KCLI' s 10-Year P/E(ttm) Range
Min: 8.73   Max: 250.08
Current: 18.9

8.73
250.08
P/B 0.70
KCLI's P/B is ranked higher than
96% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.59 vs. KCLI: 0.70 )
KCLI' s 10-Year P/B Range
Min: 0.36   Max: 1.06
Current: 0.7

0.36
1.06
P/S 1.10
KCLI's P/S is ranked higher than
76% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.88 vs. KCLI: 1.10 )
KCLI' s 10-Year P/S Range
Min: 0.51   Max: 1.58
Current: 1.1

0.51
1.58
PFCF 14.00
KCLI's PFCF is ranked higher than
82% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 34.95 vs. KCLI: 14.00 )
KCLI' s 10-Year PFCF Range
Min: 5.09   Max: 159.18
Current: 14

5.09
159.18
EV-to-EBIT 12.00
KCLI's EV-to-EBIT is ranked higher than
80% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.22 vs. KCLI: 12.00 )
KCLI' s 10-Year EV-to-EBIT Range
Min: -134.4   Max: 175.7
Current: 12

-134.4
175.7
PEG 0.66
KCLI's PEG is ranked higher than
91% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.18 vs. KCLI: 0.66 )
KCLI' s 10-Year PEG Range
Min: 0.31   Max: 33.74
Current: 0.66

0.31
33.74
Shiller P/E 21.80
KCLI's Shiller P/E is ranked higher than
84% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 28.16 vs. KCLI: 21.80 )
KCLI' s 10-Year Shiller P/E Range
Min: 6.32   Max: 29.78
Current: 21.8

6.32
29.78

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.20
KCLI's Dividend Yield is ranked higher than
55% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.22 vs. KCLI: 2.20 )
KCLI' s 10-Year Dividend Yield Range
Min: 1.52   Max: 6.67
Current: 2.2

1.52
6.67
Dividend Payout 0.42
KCLI's Dividend Payout is ranked higher than
67% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.40 vs. KCLI: 0.42 )
KCLI' s 10-Year Dividend Payout Range
Min: 0.1   Max: 20.77
Current: 0.42

0.1
20.77
Yield on cost (5-Year) 2.20
KCLI's Yield on cost (5-Year) is ranked lower than
58% of the 156 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.44 vs. KCLI: 2.20 )
KCLI' s 10-Year Yield on cost (5-Year) Range
Min: 1.52   Max: 6.67
Current: 2.2

1.52
6.67
Share Buyback Rate 1.40
KCLI's Share Buyback Rate is ranked higher than
90% of the 136 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.70 vs. KCLI: 1.40 )
KCLI' s 10-Year Share Buyback Rate Range
Min: 1.4   Max: -0.2
Current: 1.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.71
KCLI's Price/Tangible Book is ranked higher than
97% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.94 vs. KCLI: 0.71 )
KCLI' s 10-Year Price/Tangible Book Range
Min: 0.48   Max: 1.16
Current: 0.71

0.48
1.16
Price/DCF (Projected) 0.58
KCLI's Price/DCF (Projected) is ranked higher than
88% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.24 vs. KCLI: 0.58 )
KCLI' s 10-Year Price/DCF (Projected) Range
Min: 0.34   Max: 2.06
Current: 0.58

0.34
2.06
Price/Median PS Value 1.08
KCLI's Price/Median PS Value is ranked higher than
83% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.12 vs. KCLI: 1.08 )
KCLI' s 10-Year Price/Median PS Value Range
Min: 0.57   Max: 1.28
Current: 1.08

0.57
1.28
Price/Peter Lynch Fair Value 1.14
KCLI's Price/Peter Lynch Fair Value is ranked higher than
93% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 9999.00 vs. KCLI: 1.14 )
KCLI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.25   Max: 2.82
Current: 1.14

0.25
2.82
Price/Graham Number 0.77
KCLI's Price/Graham Number is ranked higher than
92% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.19 vs. KCLI: 0.77 )
KCLI' s 10-Year Price/Graham Number Range
Min: 0.4   Max: 2.47
Current: 0.77

0.4
2.47
Earnings Yield (Greenblatt) 8.40
KCLI's Earnings Yield (Greenblatt) is ranked higher than
78% of the 171 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.50 vs. KCLI: 8.40 )
KCLI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 20.9
Current: 8.4

0.6
20.9
Forward Rate of Return (Yacktman) 21.89
KCLI's Forward Rate of Return (Yacktman) is ranked higher than
87% of the 134 Companies
in the Global Insurance - Life industry.

( Industry Median: 16.60 vs. KCLI: 21.89 )
KCLI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -5   Max: 64.8
Current: 21.89

-5
64.8

Business Description

Industry: Insurance - Life » Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF » details
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.
» More Articles for 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 

More From Other Websites
Kansas City Life Completes Asset Purchase Agreement with Securities America Nov 18 2014
Securities America Completes Acquisition of Sunset Financial Services Assets Nov 18 2014
10-Q for Kansas City Life Insurance Co. Oct 31 2014
Kansas City Life Announces Third Quarter 2014 Results Oct 29 2014
KANSAS CITY LIFE INSURANCE CO Files SEC form 10-Q, Quarterly Report Oct 29 2014
Kansas City Life Declares Quarterly Dividend Oct 27 2014
KANSAS CITY LIFE INSURANCE CO Financials Aug 06 2014
KANSAS CITY LIFE INSURANCE CO Files SEC form 10-Q, Quarterly Report Jul 30 2014
KANSAS CITY LIFE INSURANCE CO Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Jul 21 2014
Securities America to Acquire Assets of Sunset Financial Services Jul 21 2014
Wall Street Transcript Interview with John M. Matovina, the CEO and President of American Equity... Jun 24 2014
KANSAS CITY LIFE INSURANCE CO Files SEC form 10-Q, Quarterly Report Apr 30 2014
KANSAS CITY LIFE INSURANCE CO Files SEC form 8-K, Submission of Matters to a Vote of Security... Apr 25 2014
Kansas City Life Announces Fourth Quarter 2013 Results Feb 26 2014
KANSAS CITY LIFE INSURANCE CO Files SEC form 10-K, Annual Report Feb 26 2014
KANSAS CITY LIFE INSURANCE CO Files SEC form 10-Q, Quarterly Report Nov 08 2013

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