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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
NWLI's Cash to Debt is ranked higher than
91% of the 159 Companies
in the Global Insurance - Life industry.

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

Equity to Asset 0.14
NWLI's Equity to Asset is ranked higher than
91% of the 169 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.06 vs. NWLI: 0.14 )
NWLI' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.15
Current: 0.14

0.09
0.15
Interest Coverage No Debt
NWLI's Interest Coverage is ranked higher than
96% of the 140 Companies
in the Global Insurance - Life industry.

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

F-Score: 6
Z-Score: 0.35
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 : 8/10

vs
industry
vs
history
Operating margin (%) 20.00
NWLI's Operating margin (%) is ranked higher than
98% of the 171 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.25 vs. NWLI: 20.00 )
NWLI' s 10-Year Operating margin (%) Range
Min: 12.06   Max: 26.5
Current: 20

12.06
26.5
Net-margin (%) 13.46
NWLI's Net-margin (%) is ranked higher than
96% of the 171 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.93 vs. NWLI: 13.46 )
NWLI' s 10-Year Net-margin (%) Range
Min: 6.71   Max: 28.14
Current: 13.46

6.71
28.14
ROE (%) 7.12
NWLI's ROE (%) is ranked higher than
73% of the 170 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.72 vs. NWLI: 7.12 )
NWLI' s 10-Year ROE (%) Range
Min: 3.37   Max: 16.41
Current: 7.12

3.37
16.41
ROA (%) 0.96
NWLI's ROA (%) is ranked higher than
87% of the 171 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.70 vs. NWLI: 0.96 )
NWLI' s 10-Year ROA (%) Range
Min: 0.49   Max: 2.16
Current: 0.96

0.49
2.16
Revenue Growth (3Y)(%) 14.30
NWLI's Revenue Growth (3Y)(%) is ranked higher than
91% of the 150 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.70 vs. NWLI: 14.30 )
NWLI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -3.6   Max: 14.3
Current: 14.3

-3.6
14.3
EBITDA Growth (3Y)(%) 10.20
NWLI's EBITDA Growth (3Y)(%) is ranked higher than
81% of the 142 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.40 vs. NWLI: 10.20 )
NWLI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 30.4
Current: 10.2

0
30.4
EPS Growth (3Y)(%) 9.70
NWLI's EPS Growth (3Y)(%) is ranked higher than
81% of the 141 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.00 vs. NWLI: 9.70 )
NWLI' s 10-Year EPS Growth (3Y)(%) Range
Min: -22.8   Max: 29.1
Current: 9.7

-22.8
29.1
» NWLI's 10-Y Financials

Financials


» Details

Guru Trades

Q4 2013

NWLI Guru Trades in Q4 2013

Jim Simons 1,700 sh (+21.43%)
HOTCHKIS & WILEY 19,556 sh (+10.21%)
Charles Brandes 15,290 sh (+3.9%)
Tweedy Browne 100,312 sh (-0.22%)
Chuck Royce 15,433 sh (-1.28%)
» More
Q1 2014

NWLI Guru Trades in Q1 2014

Jeremy Grantham 1,100 sh (New)
Charles Brandes 16,157 sh (+5.67%)
Jim Simons Sold Out
Tweedy Browne 100,262 sh (-0.05%)
HOTCHKIS & WILEY 15,682 sh (-19.81%)
Chuck Royce 11,333 sh (-26.57%)
» More
Q2 2014

NWLI Guru Trades in Q2 2014

HOTCHKIS & WILEY 17,882 sh (+14.03%)
Chuck Royce 11,833 sh (+4.41%)
Jeremy Grantham 1,100 sh (unchged)
Tweedy Browne 97,747 sh (-2.51%)
Charles Brandes 2,823 sh (-82.53%)
» More
Q3 2014

NWLI Guru Trades in Q3 2014

Chuck Royce 12,733 sh (+7.61%)
HOTCHKIS & WILEY 18,087 sh (+1.15%)
Jeremy Grantham Sold Out
Tweedy Browne 96,493 sh (-1.28%)
Charles Brandes 2,407 sh (-14.74%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Charles Brandes 2014-06-30 Reduce -82.53%0.04%$232.44 - $258.49 $ 261.538%2823
Charles Brandes 2013-06-30 Add 20.08%0.01%$170 - $198.23 $ 261.5340%14709
Charles Brandes 2012-06-30 Add 22.38%$124.68 - $141.25 $ 261.5394%10292
Third Avenue Management 2012-03-31 Sold Out 0.06%$132.5 - $153.5 $ 261.5398%0
Third Avenue Management 2011-12-31 Reduce -84.56%0.3%$131 - $151 $ 261.5388%16245
Third Avenue Management 2011-09-30 Reduce -29.66%0.14%$134.3 - $177.56 $ 261.5370%105182
HOTCHKIS & WILEY 2011-09-30 New Buy0.02%$134.3 - $177.56 $ 261.5370%15670
Richard Snow 2011-09-30 Sold Out 0.0097%$134.3 - $177.56 $ 261.5370%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) 8.00
NWLI's P/E(ttm) is ranked higher than
97% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 17.30 vs. NWLI: 8.00 )
NWLI' s 10-Year P/E(ttm) Range
Min: 4.35   Max: 18.39
Current: 8

4.35
18.39
P/B 0.62
NWLI's P/B is ranked higher than
98% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.57 vs. NWLI: 0.62 )
NWLI' s 10-Year P/B Range
Min: 0.23   Max: 1.01
Current: 0.62

0.23
1.01
P/S 1.18
NWLI's P/S is ranked higher than
76% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.90 vs. NWLI: 1.18 )
NWLI' s 10-Year P/S Range
Min: 0.53   Max: 2.28
Current: 1.18

0.53
2.28
EV-to-EBIT 5.30
NWLI's EV-to-EBIT is ranked higher than
94% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.45 vs. NWLI: 5.30 )
NWLI' s 10-Year EV-to-EBIT Range
Min: 2.9   Max: 11.8
Current: 5.3

2.9
11.8
PEG 0.43
NWLI's PEG is ranked higher than
96% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.81 vs. NWLI: 0.43 )
NWLI' s 10-Year PEG Range
Min: 0.32   Max: 8.16
Current: 0.43

0.32
8.16
Shiller P/E 11.31
NWLI's Shiller P/E is ranked higher than
96% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 26.62 vs. NWLI: 11.31 )
NWLI' s 10-Year Shiller P/E Range
Min: 2.75   Max: 12.48
Current: 11.31

2.75
12.48

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.14
NWLI's Dividend Yield is ranked lower than
98% of the 156 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.22 vs. NWLI: 0.14 )
NWLI' s 10-Year Dividend Yield Range
Min: 0.13   Max: 0.55
Current: 0.14

0.13
0.55
Dividend Payout 0.01
NWLI's Dividend Payout is ranked higher than
99% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.40 vs. NWLI: 0.01 )
NWLI' s 10-Year Dividend Payout Range
Min: 0.04   Max: 0.28
Current: 0.01

0.04
0.28
Yield on cost (5-Year) 0.10
NWLI's Yield on cost (5-Year) is ranked lower than
96% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.25 vs. NWLI: 0.10 )
NWLI' s 10-Year Yield on cost (5-Year) Range
Min: 0.13   Max: 0.55
Current: 0.1

0.13
0.55

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.62
NWLI's Price/Tangible Book is ranked higher than
99% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.20 vs. NWLI: 0.62 )
NWLI' s 10-Year Price/Tangible Book Range
Min: 0.38   Max: 0.99
Current: 0.62

0.38
0.99
Price/Median PS Value 1.02
NWLI's Price/Median PS Value is ranked higher than
86% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.09 vs. NWLI: 1.02 )
NWLI' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 1.73
Current: 1.02

0.3
1.73
Price/Peter Lynch Fair Value 0.52
NWLI's Price/Peter Lynch Fair Value is ranked higher than
99% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 9999.00 vs. NWLI: 0.52 )
NWLI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.16   Max: 2.64
Current: 0.52

0.16
2.64
Price/Graham Number 0.50
NWLI's Price/Graham Number is ranked higher than
97% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.26 vs. NWLI: 0.50 )
NWLI' s 10-Year Price/Graham Number Range
Min: 0.3   Max: 0.81
Current: 0.5

0.3
0.81
Earnings Yield (Greenblatt) 18.90
NWLI's Earnings Yield (Greenblatt) is ranked higher than
94% of the 171 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.40 vs. NWLI: 18.90 )
NWLI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 8.5   Max: 35.1
Current: 18.9

8.5
35.1
Forward Rate of Return (Yacktman) 16.60
NWLI's Forward Rate of Return (Yacktman) is ranked higher than
81% of the 139 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.54 vs. NWLI: 16.60 )
NWLI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -14.1   Max: 23.9
Current: 16.6

-14.1
23.9

Business Description

Industry: Insurance - Life » Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF » details
National Western Life Insurance 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

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