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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
NWLI's Cash-to-Debt is ranked higher than
96% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.68 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: 9999.5 Max: No Debt
Current: No Debt
N/A
No Debt
Equity-to-Asset 0.15
NWLI's Equity-to-Asset is ranked higher than
75% of the 75 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.08 vs. NWLI: 0.15 )
Ranked among companies with meaningful Equity-to-Asset only.
NWLI' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.12  Med: 0.14 Max: 0.15
Current: 0.15
0.12
0.15
Interest Coverage No Debt
NWLI's Interest Coverage is ranked higher than
97% of the 109 Companies
in the Global Insurance - Life industry.

( Industry Median: 32.73 vs. NWLI: No Debt )
Ranked among companies with meaningful Interest Coverage only.
NWLI' s Interest Coverage Range Over the Past 10 Years
Min: No Debt  Med: No Debt Max: No Debt
Current: No Debt
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 : 4/10

vs
industry
vs
history
Operating Margin % 22.40
NWLI's Operating Margin % is ranked higher than
89% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.83 vs. NWLI: 22.40 )
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: 26.4
Current: 22.4
12.06
26.4
Net Margin % 14.79
NWLI's Net Margin % is ranked higher than
87% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.06 vs. NWLI: 14.79 )
Ranked among companies with meaningful Net Margin % only.
NWLI' s Net Margin % Range Over the Past 10 Years
Min: 8  Med: 13.3 Max: 17.99
Current: 14.79
8
17.99
ROE % 5.99
NWLI's ROE % is ranked lower than
69% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.82 vs. NWLI: 5.99 )
Ranked among companies with meaningful ROE % only.
NWLI' s ROE % Range Over the Past 10 Years
Min: 3.37  Med: 6.23 Max: 8.78
Current: 5.99
3.37
8.78
ROA % 0.86
NWLI's ROA % is ranked higher than
64% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.59 vs. NWLI: 0.86 )
Ranked among companies with meaningful ROA % only.
NWLI' s ROA % Range Over the Past 10 Years
Min: 0.49  Med: 0.88 Max: 1.26
Current: 0.86
0.49
1.26
3-Year Revenue Growth Rate -7.40
NWLI's 3-Year Revenue Growth Rate is ranked lower than
85% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.60 vs. NWLI: -7.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NWLI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -7.4  Med: 5.4 Max: 12.2
Current: -7.4
-7.4
12.2
3-Year EBITDA Growth Rate 3.20
NWLI's 3-Year EBITDA Growth Rate is ranked lower than
57% of the 69 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.00 vs. NWLI: 3.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NWLI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -22.7  Med: 6.6 Max: 30.4
Current: 3.2
-22.7
30.4
3-Year EPS without NRI Growth Rate 1.60
NWLI's 3-Year EPS without NRI Growth Rate is ranked lower than
58% of the 64 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.00 vs. NWLI: 1.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NWLI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -23.6  Med: 8.5 Max: 27.9
Current: 1.6
-23.6
27.9
GuruFocus has detected 4 Warning Signs with National Western Life Group Inc $NWLI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NWLI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

NWLI Guru Trades in Q1 2016

Charles Brandes 6,194 sh (+70.16%)
Jim Simons 5,000 sh (unchged)
Chuck Royce 5,900 sh (unchged)
Tweedy Browne 89,673 sh (-0.70%)
HOTCHKIS & WILEY 13,892 sh (-29.08%)
» More
Q2 2016

NWLI Guru Trades in Q2 2016

Charles Brandes 10,100 sh (+63.06%)
Chuck Royce 5,900 sh (unchged)
Tweedy Browne 88,997 sh (-0.75%)
Jim Simons 4,900 sh (-2.00%)
HOTCHKIS & WILEY 13,292 sh (-4.32%)
» More
Q3 2016

NWLI Guru Trades in Q3 2016

Jim Simons 10,500 sh (+114.29%)
Charles Brandes 11,811 sh (+16.94%)
HOTCHKIS & WILEY 13,699 sh (+3.06%)
Chuck Royce 5,900 sh (unchged)
Tweedy Browne 88,445 sh (-0.62%)
» More
Q4 2016

NWLI Guru Trades in Q4 2016

Chuck Royce 10,700 sh (+81.36%)
Charles Brandes 12,377 sh (+4.79%)
HOTCHKIS & WILEY 14,029 sh (+2.41%)
Tweedy Browne 87,657 sh (-0.89%)
Jim Simons 2,900 sh (-72.38%)
» 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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Business Description

Industry: Insurance - Life » Insurance - Life    NAICS: 524113    SIC: 6311
Compare: » details
National Western Life Group Inc is a stock life insurance company. It offers a portfolio of individual whole life, universal life and term insurance plans, and annuities, including supplementary riders.

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 123,000 policyholders and for the asset accumulation and retirement needs of 137,900 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.

Top Ranked Articles about National Western Life Group Inc

Holdings Charles Brandes Continues to Increase Stocks he bought during the last 2 quarters
Charles Brandes (Trades, Portfolio) is the chairman of Brandes Investment Partners, the firm he started in 1974. In both the second and third quarters the guru bought shares in the following stocks: Read more...

Ratios

vs
industry
vs
history
PE Ratio 10.78
NWLI's PE Ratio is ranked higher than
78% of the 121 Companies
in the Global Insurance - Life industry.

( Industry Median: 19.60 vs. NWLI: 10.78 )
Ranked among companies with meaningful PE Ratio only.
NWLI' s PE Ratio Range Over the Past 10 Years
Min: 5.84  Med: 9 Max: 42.18
Current: 10.78
5.84
42.18
PE Ratio without NRI 10.78
NWLI's PE Ratio without NRI is ranked higher than
79% of the 98 Companies
in the Global Insurance - Life industry.

( Industry Median: 16.60 vs. NWLI: 10.78 )
Ranked among companies with meaningful PE Ratio without NRI only.
NWLI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.84  Med: 9 Max: 42.18
Current: 10.78
5.84
42.18
PB Ratio 0.63
NWLI's PB Ratio is ranked higher than
92% of the 106 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.32 vs. NWLI: 0.63 )
Ranked among companies with meaningful PB Ratio only.
NWLI' s PB Ratio Range Over the Past 10 Years
Min: 0.23  Med: 0.55 Max: 1.01
Current: 0.63
0.23
1.01
PS Ratio 1.60
NWLI's PS Ratio is ranked lower than
70% of the 100 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.95 vs. NWLI: 1.60 )
Ranked among companies with meaningful PS Ratio only.
NWLI' s PS Ratio Range Over the Past 10 Years
Min: 0.54  Med: 1.15 Max: 2.43
Current: 1.6
0.54
2.43
Price-to-Free-Cash-Flow 3.53
NWLI's Price-to-Free-Cash-Flow is ranked higher than
68% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.99 vs. NWLI: 3.53 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
NWLI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.36  Med: 2.95 Max: 5.76
Current: 3.53
1.36
5.76
Price-to-Operating-Cash-Flow 3.53
NWLI's Price-to-Operating-Cash-Flow is ranked higher than
74% of the 78 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.99 vs. NWLI: 3.53 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
NWLI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.36  Med: 2.95 Max: 5.76
Current: 3.53
1.36
5.76
PEG Ratio 1.32
NWLI's PEG Ratio is ranked higher than
50% of the 42 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.32 vs. NWLI: 1.32 )
Ranked among companies with meaningful PEG Ratio only.
NWLI' s PEG Ratio Range Over the Past 10 Years
Min: 0.31  Med: 0.73 Max: 31.6
Current: 1.32
0.31
31.6
Shiller PE Ratio 13.12
NWLI's Shiller PE Ratio is ranked higher than
84% of the 43 Companies
in the Global Insurance - Life industry.

( Industry Median: 17.59 vs. NWLI: 13.12 )
Ranked among companies with meaningful Shiller PE Ratio only.
NWLI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 3.42  Med: 9.27 Max: 14.33
Current: 13.12
3.42
14.33

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.12
NWLI's Dividend Yield % is ranked lower than
99.99% of the 125 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.24 vs. NWLI: 0.12 )
Ranked among companies with meaningful Dividend Yield % only.
NWLI' s Dividend Yield % Range Over the Past 10 Years
Min: 0.11  Med: 0.19 Max: 0.55
Current: 0.12
0.11
0.55
Dividend Payout Ratio 0.01
NWLI's Dividend Payout Ratio is ranked higher than
99% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.35 vs. NWLI: 0.01 )
Ranked among companies with meaningful Dividend Payout Ratio only.
NWLI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.01  Med: 0.01 Max: 0.04
Current: 0.01
0.01
0.04
Forward Dividend Yield % 0.12
NWLI's Forward Dividend Yield % is ranked lower than
99.99% of the 124 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.28 vs. NWLI: 0.12 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.12
NWLI's 5-Year Yield-on-Cost % is ranked lower than
99.99% of the 123 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.00 vs. NWLI: 0.12 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
NWLI' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.11  Med: 0.19 Max: 0.55
Current: 0.12
0.11
0.55
3-Year Average Share Buyback Ratio -0.10
NWLI's 3-Year Average Share Buyback Ratio is ranked higher than
56% of the 59 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.20 vs. NWLI: -0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NWLI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -0.8  Med: -0.1 Max: 0
Current: -0.1
-0.8
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.63
NWLI's Price-to-Tangible-Book is ranked higher than
93% of the 102 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.87 vs. NWLI: 0.63 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NWLI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.39  Med: 0.65 Max: 0.94
Current: 0.63
0.39
0.94
Price-to-Intrinsic-Value-Projected-FCF 0.26
NWLI's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
83% of the 66 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.56 vs. NWLI: 0.26 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
NWLI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.15  Med: 0.23 Max: 0.88
Current: 0.26
0.15
0.88
Price-to-Median-PS-Value 1.39
NWLI's Price-to-Median-PS-Value is ranked lower than
75% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.10 vs. NWLI: 1.39 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
NWLI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.6  Med: 1.11 Max: 1.49
Current: 1.39
0.6
1.49
Price-to-Peter-Lynch-Fair-Value 1.40
NWLI's Price-to-Peter-Lynch-Fair-Value is ranked lower than
73% of the 37 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.17 vs. NWLI: 1.40 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
NWLI' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.16  Med: 0.48 Max: 1.61
Current: 1.4
0.16
1.61
Price-to-Graham-Number 0.55
NWLI's Price-to-Graham-Number is ranked higher than
93% of the 86 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.20 vs. NWLI: 0.55 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NWLI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.3  Med: 0.54 Max: 0.7
Current: 0.55
0.3
0.7
Earnings Yield (Greenblatt) % -2.49
NWLI's Earnings Yield (Greenblatt) % is ranked lower than
88% of the 123 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.41 vs. NWLI: -2.49 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NWLI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -2.49  Med: 19.4 Max: 35.1
Current: -2.49
-2.49
35.1
Forward Rate of Return (Yacktman) % 36.01
NWLI's Forward Rate of Return (Yacktman) % is ranked higher than
82% of the 57 Companies
in the Global Insurance - Life industry.

( Industry Median: 21.61 vs. NWLI: 36.01 )
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: 5.9  Med: 42.5 Max: 81.1
Current: 36.01
5.9
81.1

More Statistics

Revenue (TTM) (Mil) $682.4
EPS (TTM) $ 27.74
Beta1.44
Short Percentage of Float1.23%
52-Week Range $184.60 - 331.70
Shares Outstanding (Mil)3.64
» More Articles for NWLI

Headlines

Articles On GuruFocus.com
Stakes Charles Brandes Continues to Increase Nov 14 2016 
Tweedy Browne's Low PE Stocks Mar 13 2015 
Value Shop Brandes Investment Reports Q2 Portfolio Aug 19 2011 
Third Avenue Management Reduces Electronics for Imaging and National Western Life Insurance Jul 12 2011 
National Western Life Insurance Company Reports Operating Results (10-Q) Aug 10 2009 

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