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191.33 (1y: +48%)
Market Cap 694.24 M P/E(ttm) 7.50
Enterprise Value 694.24 M P/B 0.50
NWLI- NAS (USA)
National Western Life Insurance
  • Currently 2/5
Business Predictability Rank: 2-Star
Back Testing Results:
Average gain of all 2-Star stocks: 6% per year.
% of Stocks that are in still loss if held for 10yrs: 16%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$191.33
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 8/10

vs
industry		 vs
history
Cash to Debt No Debt
NWLI's Cash to Debt is ranked higher than
87% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.10 vs. NWLI: No Debt )
NWLI' s 10-Year Cash to Debt Range
Min: No Debt   Max: No Debt
Current: No Debt
Equity to Asset 0.136
NWLI's Equity to Asset is ranked higher than
73% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.09 vs. NWLI: 0.136 )
NWLI' s 10-Year Equity to Asset Range
Min: 0.13   Max: 0.15
Current: 0.14
0.13
0.15
Interest Coverage No Debt
NWLI's Interest Coverage is ranked lower than
78% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 10000.00 vs. NWLI: No Debt )
NWLI' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.33
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 21.20
NWLI's Operating margin (%) is ranked higher than
89% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.65 vs. NWLI: 21.20 )
NWLI' s 10-Year Operating margin (%) Range
Min: 12.1   Max: 26.5
Current: 21.2
12.1
26.5
Net-margin (%) 13.9
NWLI's Net-margin (%) is ranked higher than
87% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.25 vs. NWLI: 13.9 )
NWLI' s 10-Year Net-margin (%) Range
Min: 8   Max: 28.1
Current: 13.9
8
28.1
ROE (%) 6.7
NWLI's ROE (%) is ranked higher than
53% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.00 vs. NWLI: 6.7 )
NWLI' s 10-Year ROE (%) Range
Min: 3.4   Max: 15.1
Current: 6.7
3.4
15.1
ROA (%) 0.9
NWLI's ROA (%) is ranked lower than
53% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.80 vs. NWLI: 0.9 )
NWLI' s 10-Year ROA (%) Range
Min: 0.5   Max: 2
Current: 0.9
0.5
2
Revenue Growth (%) 4
NWLI's Revenue Growth (%) is ranked higher than
80% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.05 vs. NWLI: 4 )
NWLI' s 10-Year Revenue Growth (%) Range
Min: -2.7   Max: 8.9
Current: 4
-2.7
8.9
EBITDA Growth (%) 20.3
NWLI's EBITDA Growth (%) is ranked higher than
80% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.80 vs. NWLI: 20.3 )
NWLI' s 10-Year EBITDA Growth (%) Range
Min: -17.5   Max: 20.3
Current: 20.3
-17.5
20.3
EPS Growth (%) 19.4
NWLI's EPS Growth (%) is ranked higher than
76% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.90 vs. NWLI: 19.4 )
NWLI' s 10-Year EPS Growth (%) Range
Min: -18.3   Max: 26.6
Current: 19.4
-18.3
26.6
ยป NWLI's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

NWLI Guru Trades in Q2 2012

Chuck Royce 10,232 sh (New)
Charles Brandes 10,292 sh (+22.38%)
HOTCHKIS & WILEY 15,817 sh (+4.2%)
Tweedy Browne 110,813 sh (unchged)
» More
Q3 2012

NWLI Guru Trades in Q3 2012

Chuck Royce 14,433 sh (+41.06%)
Charles Brandes 10,636 sh (+3.34%)
HOTCHKIS & WILEY 15,817 sh (unchged)
Tweedy Browne 108,097 sh (-2.45%)
» More
Q4 2012

NWLI Guru Trades in Q4 2012

HOTCHKIS & WILEY 17,620 sh (+11.4%)
Charles Brandes 11,158 sh (+4.91%)
Chuck Royce 14,633 sh (+1.39%)
Tweedy Browne 107,349 sh (-0.69%)
» More
Q1 2013

NWLI Guru Trades in Q1 2013

Charles Brandes 12,249 sh (+9.78%)
HOTCHKIS & WILEY 17,637 sh (+0.1%)
Chuck Royce 14,633 sh (unchged)
Tweedy Browne 106,999 sh (-0.33%)
» More
» Details

Insider Trades

Latest Guru Trades with NWLI

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Charles Brandes 2012-06-30 Add 22.38%$124.68 - $141.25 $ 191.3342%10292
Charles Brandes 2011-06-30 New Buy0.01%$150 - $163.94 $ 191.3322%7956
Premium More recent guru trades are included for Premium Members only!!

Ratios

vs
industry		 vs
history
P/E(ttm) 7.50
NWLI's P/E(ttm) is ranked lower than
1818180% of the 55 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.30 vs. NWLI: 7.50 )
NWLI' s 10-Year P/E(ttm) Range
Min: 4.12   Max: 27
Current: 7.5
4.12
27
P/B 0.50
NWLI's P/B is ranked lower than
1724136% of the 58 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.10 vs. NWLI: 0.50 )
NWLI' s 10-Year P/B Range
Min: 0.23   Max: 1.02
Current: 0.5
0.23
1.02
P/S 0.94
NWLI's P/S is ranked lower than
1694914% of the 59 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.72 vs. NWLI: 0.94 )
NWLI' s 10-Year P/S Range
Min: 0.52   Max: 2.43
Current: 0.94
0.52
2.43
PFCF 2.20
NWLI's PFCF is ranked lower than
1923075% of the 52 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.11 vs. NWLI: 2.20 )
NWLI' s 10-Year PFCF Range
Min: 1.41   Max: 21.77
Current: 2.2
1.41
21.77
EV-to-EBIT 5.1
NWLI's EV-to-EBIT is ranked lower than
1851850% of the 54 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.21 vs. NWLI: 5.1 )
NWLI' s 10-Year EV-to-EBIT Range
Min: 2.9   Max: 15.9
Current: 5.1
2.9
15.9
PEG 0.3
NWLI's PEG is ranked lower than
4347822% of the 23 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.76 vs. NWLI: 0.3 )
NWLI' s 10-Year PEG Range
Min: 0.04   Max: 3.87
Current: 0.3
0.04
3.87
Shiller P/E 10.1
NWLI's Shiller P/E is ranked lower than
100% of the Companies
in the Global Insurance - Life industry.

( Industry Median: vs. NWLI: 10.1 )
NWLI' s 10-Year Shiller P/E Range
Min: 2.88   Max: 12.48
Current: 10.1
2.88
12.48

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 0.19
NWLI's Dividend Yield is ranked lower than
1923075% of the 52 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.13 vs. NWLI: 0.19 )
NWLI' s 10-Year Dividend Yield Range
Min: 0.13   Max: 0.55
Current: 0.19
0.13
0.55
Dividend Payout 0.0138
NWLI's Dividend Payout is ranked lower than
2222220% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.30 vs. NWLI: 0.0138 )
NWLI' s 10-Year Dividend Payout Range
Min: 0.01   Max: 0.04
Current: 0.01
0.01
0.04
Yield on cost (5-Year) 0.20
NWLI's Yield on cost (5-Year) is ranked lower than
1923075% of the 52 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.74 vs. NWLI: 0.20 )
NWLI' s 10-Year Yield on cost (5-Year) Range
Min: 0.13   Max: 0.55
Current: 0.2
0.13
0.55

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.5
NWLI's Price/Tangible Book is ranked lower than
1785713% of the 56 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.30 vs. NWLI: 0.5 )
NWLI' s 10-Year Price/Tangible Book Range
Min: 0.4   Max: 0.9
Current: 0.5
0.4
0.9
Price/DCF (Projected) 0.2
NWLI's Price/DCF (Projected) is ranked lower than
2857140% of the 35 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.40 vs. NWLI: 0.2 )
NWLI' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 0.3
Current: 0.2
0.2
0.3
Price/Median PS Value 0.8
NWLI's Price/Median PS Value is ranked lower than
1754384% of the 57 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.00 vs. NWLI: 0.8 )
NWLI' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 1.4
Current: 0.8
0.7
1.4
Price/Peter Lynch Fair Value 0.5
NWLI's Price/Peter Lynch Fair Value is ranked lower than
7692300% of the 13 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.10 vs. NWLI: 0.5 )
NWLI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.2   Max: 0.8
Current: 0.5
0.2
0.8
Price/Graham Number 0.4
NWLI's Price/Graham Number is ranked lower than
1923075% of the 52 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.90 vs. NWLI: 0.4 )
NWLI' s 10-Year Price/Graham Number Range
Min: 0.3   Max: 0.7
Current: 0.4
0.3
0.7
Earnings Yield (Greenblatt) 19.50
NWLI's Earnings Yield (Greenblatt) is ranked higher than
91% of the 55 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.30 vs. NWLI: 19.50 )
NWLI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.3   Max: 35.1
Current: 19.5
6.3
35.1
Forward Rate of Return (Yacktman) 39.12
NWLI's Forward Rate of Return (Yacktman) is ranked lower than
2857140% of the 35 Companies
in the Global Insurance - Life industry.

( Industry Median: 24.10 vs. NWLI: 39.12 )
NWLI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 17.7   Max: 235.9
Current: 39.12
17.7
235.9

Business Description

National Western Life Insurance Company is a Colorado corporation. It was incorporated in 1956, it is a stock life insurance company doing business in forty-nine states, the District of Columbia, and four U.S. territories or possessions. National Western provides life insurance products for the savings and protection needs of approximately 148,000 policyholders and for the asset accumulation and retirement needs of 117,000 annuity contract holders. The company offers a portfolio of individual whole life, universal life and term insurance plans, and annuities, including supplementary riders. The company's life products provide protection for the life of the insured and, in some cases, allow for cash value accumulation on a tax-deferred basis. These product offerings include universal life insurance, interest-sensitive whole life, and traditional products such as term insurance coverage. Annuity products sold include flexible premium and single premium deferred annuities, fixed indexed annuities, and single premium immediate annuities. These products can be tax qualified or nonqualified annuities. A fixed single premium deferred annuity provides for a single premium payment at the time of issue, an accumulation period, and an annuity payout period commencing at some future date. Products marketed are annuities, universal life insurance, and traditional life insurance, which include both term and whole life products. The Company's international competitors include Pan-American Life Insurance, American Fidelity Life Insurance, Manhattan Life Insurance Company and Best Meridian Insurance while domestic market competitors include American Equity Investment Life, Sammons Financial Group, AVIVA, Allstate, Lincoln National Life, Equitrust Life Insurance Company and Old Mutual Financial Network. 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.
Company Website
SEC Reports
Industry: Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF
ยป More Articles for NWLI

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