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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 : 5/10

vs
industry
vs
history
Cash to Debt No Debt
NWLI's Cash to Debt is ranked higher than
95% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.83 vs. NWLI: No Debt )
Ranked among companies with meaningful Cash to Debt only.
NWLI' s Cash to Debt Range Over the Past 10 Years
Min: N/A  Med: 9999.00 Max: No Debt
Current: No Debt

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N/A
No Debt
Equity to Asset 0.14
NWLI's Equity to Asset is ranked higher than
72% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.09 vs. NWLI: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
NWLI' s Equity to Asset Range Over the Past 10 Years
Min: 0.11  Med: 0.14 Max: 0.15
Current: 0.14
0.11
0.15
Interest Coverage No Debt
NWLI's Interest Coverage is ranked higher than
95% of the 66 Companies
in the Global Insurance - Life industry.

( Industry Median: 30.15 vs. NWLI: No Debt )
Ranked among companies with meaningful Interest Coverage only.
NWLI' s Interest Coverage Range Over the Past 10 Years
Min: 9999.99  Med: 10000.00 Max: 9999.99
Current: No Debt
F-Score: 5
WACC vs ROIC
13.05%
6.54%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 23.69
NWLI's Operating margin (%) is ranked higher than
84% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.73 vs. NWLI: 23.69 )
Ranked among companies with meaningful Operating margin (%) only.
NWLI' s Operating margin (%) Range Over the Past 10 Years
Min: 12.06  Med: 19.65 Max: 26.5
Current: 23.69
12.06
26.5
Net-margin (%) 15.92
NWLI's Net-margin (%) is ranked higher than
82% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.46 vs. NWLI: 15.92 )
Ranked among companies with meaningful Net-margin (%) only.
NWLI' s Net-margin (%) Range Over the Past 10 Years
Min: 8  Med: 13.30 Max: 17.99
Current: 15.92
8
17.99
ROE (%) 6.00
NWLI's ROE (%) is ranked lower than
70% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.73 vs. NWLI: 6.00 )
Ranked among companies with meaningful ROE (%) only.
NWLI' s ROE (%) Range Over the Past 10 Years
Min: 3.37  Med: 6.86 Max: 9.18
Current: 6
3.37
9.18
ROA (%) 0.83
NWLI's ROA (%) is ranked lower than
51% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.87 vs. NWLI: 0.83 )
Ranked among companies with meaningful ROA (%) only.
NWLI' s ROA (%) Range Over the Past 10 Years
Min: 0.49  Med: 0.92 Max: 1.26
Current: 0.83
0.49
1.26
Revenue Growth (3Y)(%) 7.40
NWLI's Revenue Growth (3Y)(%) is ranked lower than
61% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.70 vs. NWLI: 7.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NWLI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -3.6  Med: 7.15 Max: 14.3
Current: 7.4
-3.6
14.3
EBITDA Growth (3Y)(%) 22.30
NWLI's EBITDA Growth (3Y)(%) is ranked higher than
74% of the 70 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.20 vs. NWLI: 22.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NWLI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -26  Med: 9.20 Max: 30.4
Current: 22.3
-26
30.4
EPS Growth (3Y)(%) 23.80
NWLI's EPS Growth (3Y)(%) is ranked higher than
73% of the 66 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.90 vs. NWLI: 23.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NWLI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -22.8  Med: 9.65 Max: 29.1
Current: 23.8
-22.8
29.1
» NWLI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

NWLI Guru Trades in Q1 2015

Jim Simons 1,500 sh (New)
James Barrow 6,243 sh (New)
Chuck Royce 13,133 sh (+10.06%)
HOTCHKIS & WILEY 18,752 sh (+4.87%)
Charles Brandes 2,318 sh (+0.26%)
Tweedy Browne 95,200 sh (-0.70%)
» More
Q2 2015

NWLI Guru Trades in Q2 2015

Jim Simons 5,000 sh (+233.33%)
Charles Brandes 3,586 sh (+54.70%)
HOTCHKIS & WILEY 20,152 sh (+7.47%)
James Barrow 6,580 sh (+5.40%)
Chuck Royce 13,133 sh (unchged)
Tweedy Browne 94,793 sh (-0.43%)
» More
Q3 2015

NWLI Guru Trades in Q3 2015

Charles Brandes 3,613 sh (+0.75%)
Jim Simons 5,000 sh (unchged)
Chuck Royce 13,133 sh (unchged)
Tweedy Browne 94,448 sh (-0.36%)
HOTCHKIS & WILEY 19,652 sh (-2.48%)
James Barrow 4,862 sh (-26.11%)
» More
Q4 2015

NWLI Guru Trades in Q4 2015

James Barrow Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with NWLI

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

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Ratios

vs
industry
vs
history
P/E(ttm) 7.61
NWLI's P/E(ttm) is ranked higher than
75% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.00 vs. NWLI: 7.61 )
Ranked among companies with meaningful P/E(ttm) only.
NWLI' s P/E(ttm) Range Over the Past 10 Years
Min: 5.8  Med: 8.78 Max: 18.39
Current: 7.61
5.8
18.39
Forward P/E 7.36
NWLI's Forward P/E is ranked higher than
79% of the 114 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.44 vs. NWLI: 7.36 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 7.61
NWLI's PE(NRI) is ranked higher than
83% of the 103 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.80 vs. NWLI: 7.61 )
Ranked among companies with meaningful PE(NRI) only.
NWLI' s PE(NRI) Range Over the Past 10 Years
Min: 5.68  Med: 8.82 Max: 18.54
Current: 7.61
5.68
18.54
P/B 0.51
NWLI's P/B is ranked higher than
85% of the 116 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.99 vs. NWLI: 0.51 )
Ranked among companies with meaningful P/B only.
NWLI' s P/B Range Over the Past 10 Years
Min: 0.23  Med: 0.57 Max: 1.01
Current: 0.51
0.23
1.01
P/S 1.24
NWLI's P/S is ranked lower than
99.99% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.55 vs. NWLI: 1.24 )
Ranked among companies with meaningful P/S only.
NWLI' s P/S Range Over the Past 10 Years
Min: 0.53  Med: 1.15 Max: 2.28
Current: 1.24
0.53
2.28
POCF 2.20
NWLI's POCF is ranked higher than
75% of the 115 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.65 vs. NWLI: 2.20 )
Ranked among companies with meaningful POCF only.
NWLI' s POCF Range Over the Past 10 Years
Min: 1.35  Med: 3.04 Max: 5.77
Current: 2.2
1.35
5.77
EV-to-EBIT 5.21
NWLI's EV-to-EBIT is ranked higher than
71% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.37 vs. NWLI: 5.21 )
Ranked among companies with meaningful EV-to-EBIT only.
NWLI' s EV-to-EBIT Range Over the Past 10 Years
Min: 2.5  Med: 5.50 Max: 11.8
Current: 5.21
2.5
11.8
EV-to-EBITDA 5.10
NWLI's EV-to-EBITDA is ranked higher than
66% of the 115 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.27 vs. NWLI: 5.10 )
Ranked among companies with meaningful EV-to-EBITDA only.
NWLI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.5  Med: 5.30 Max: 11.5
Current: 5.1
2.5
11.5
PEG 0.41
NWLI's PEG is ranked higher than
80% of the 41 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.98 vs. NWLI: 0.41 )
Ranked among companies with meaningful PEG only.
NWLI' s PEG Range Over the Past 10 Years
Min: 0.33  Med: 0.53 Max: 16.69
Current: 0.41
0.33
16.69
Shiller P/E 9.05
NWLI's Shiller P/E is ranked higher than
93% of the 61 Companies
in the Global Insurance - Life industry.

( Industry Median: 16.71 vs. NWLI: 9.05 )
Ranked among companies with meaningful Shiller P/E only.
NWLI' s Shiller P/E Range Over the Past 10 Years
Min: 3.22  Med: 8.95 Max: 14.32
Current: 9.05
3.22
14.32

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.17
NWLI's Dividend Yield is ranked lower than
99.99% of the 111 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.03 vs. NWLI: 0.17 )
Ranked among companies with meaningful Dividend Yield only.
NWLI' s Dividend Yield Range Over the Past 10 Years
Min: 0.13  Med: 0.20 Max: 0.55
Current: 0.17
0.13
0.55
Dividend Payout 0.01
NWLI's Dividend Payout is ranked higher than
99% of the 95 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.30 vs. NWLI: 0.01 )
Ranked among companies with meaningful Dividend Payout only.
NWLI' s Dividend Payout Range Over the Past 10 Years
Min: 0.04  Med: 0.05 Max: 0.28
Current: 0.01
0.04
0.28
Forward Dividend Yield 0.17
NWLI's Forward Dividend Yield is ranked lower than
99.99% of the 110 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.61 vs. NWLI: 0.17 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.17
NWLI's Yield on cost (5-Year) is ranked lower than
99.99% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.61 vs. NWLI: 0.17 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NWLI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.13  Med: 0.20 Max: 0.55
Current: 0.17
0.13
0.55

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.51
NWLI's Price/Tangible Book is ranked higher than
92% of the 116 Companies
in the Global Insurance - Life industry.

( Industry Median: 9999.00 vs. NWLI: 0.51 )
Ranked among companies with meaningful Price/Tangible Book only.
NWLI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.38  Med: 0.69 Max: 1
Current: 0.51
0.38
1
Price/Projected FCF 0.20
NWLI's Price/Projected FCF is ranked higher than
84% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.75 vs. NWLI: 0.20 )
Ranked among companies with meaningful Price/Projected FCF only.
NWLI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.14  Med: 0.22 Max: 0.38
Current: 0.2
0.14
0.38
Price/Median PS Value 1.05
NWLI's Price/Median PS Value is ranked lower than
97% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 9999.00 vs. NWLI: 1.05 )
Ranked among companies with meaningful Price/Median PS Value only.
NWLI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.6  Med: 1.00 Max: 1.75
Current: 1.05
0.6
1.75
Price/Peter Lynch Fair Value 0.65
NWLI's Price/Peter Lynch Fair Value is ranked higher than
68% of the 84 Companies
in the Global Insurance - Life industry.

( Industry Median: 9999.00 vs. NWLI: 0.65 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
NWLI' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.16  Med: 0.40 Max: 2.47
Current: 0.65
0.16
2.47
Price/Graham Number 0.42
NWLI's Price/Graham Number is ranked higher than
88% of the 116 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.95 vs. NWLI: 0.42 )
Ranked among companies with meaningful Price/Graham Number only.
NWLI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.3  Med: 0.52 Max: 0.76
Current: 0.42
0.3
0.76
Earnings Yield (Greenblatt) (%) 19.21
NWLI's Earnings Yield (Greenblatt) (%) is ranked higher than
78% of the 86 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 vs. NWLI: 19.21 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NWLI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 8.5  Med: 18.20 Max: 39.4
Current: 19.21
8.5
39.4
Forward Rate of Return (Yacktman) (%) 11.65
NWLI's Forward Rate of Return (Yacktman) (%) is ranked lower than
65% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 21.24 vs. NWLI: 11.65 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NWLI' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -13.4  Med: 1.00 Max: 23.4
Current: 11.65
-13.4
23.4

More Statistics

Revenue(Mil) $594
EPS $ 28.15
Beta1.49
Short Percentage of Float1.76%
52-Week Range $208.00 - 269.00
Shares Outstanding(Mil)3.84

Business Description

Industry: Insurance - Life » Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF » details
National Western Life Group Inc, formerly National Western Life Insurance Co is a stock life insurance company, chartered in the State of Colorado in 1956. The Company offers a portfolio of individual whole life, universal life and term insurance plans, and annuities, including supplementary riders. The company provides life insurance products for the savings and protection needs of approximately 129,600 policyholders and for the asset accumulation and retirement needs of 141,000 annuity contract holders. The Company manages its business between Domestic Insurance Operations and International Insurance Operations. The majority of domestic segment sales comprises of the annuities and related products. These products are marketed and distributed primarily through independent national marketing organizations. The International operations focus on foreign nationals in upper socioeconomic classes. The insurance products are issued primarily to residents of countries in Central and South America, the Caribbean, the Pacific Rim, Eastern Europe, and Asia. The Company's main competitors include Pan-American Life Insurance, American Fidelity Life Insurance, Manhattan Life Insurance Company, Best Meridian Insurance, American Equity Investment Life, Sammons Financial Group, Security Benefit Life, Athene USA, Allstate, Lincoln National Life, Equitrust Life Insurance Company, ING USA, and Forethought Financial Group. The Company's insurance business is subject to comprehensive state regulation in each of the states it is licensed to conduct business. Its operations and financial records are subject to examination by these departments at regular intervals.
» More Articles for NWLI

Headlines

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