Kansas City Life Insurance CoKCLI -0.06%65 PB Ratio is 0.49 as of Jun. 30, 2026, which is 4% below its 10-year median of 0.51. GuruFocus rates KCLI with a GF Score™ of 65/100 and a GF Value™ of $37.09 (Modestly Undervalued). Among 502 Insurance companies, Kansas City Life Insurance Co ranks better than 90.84% on this metric.
The historical rank and industry rank for Kansas City Life Insurance Co's PB Ratio or its related term are showing as below:
KCLI'
s PB Ratio Range Over the Past 10 Years
Min: 0.28 Med: 0.51 Max: 0.76
Current: 0.49
During the past 13 years, Kansas City Life Insurance Co's highest PB Ratio was 0.76. The lowest was 0.28. And the median was 0.51.
KCLI's PB Ratio is ranked better than 90.84% of 502
companies
in the Insurance industry
Industry Median: 1.38
vs KCLI: 0.49
During the past 12 months, Kansas City Life Insurance Co's average Book Value Per Share Growth Rate was 9.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 10.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -5.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -1.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Kansas City Life Insurance Co was 15.40% per year. The lowest was -15.40% per year. And the median was 4.60% per year.
Back to Basics: PB Ratio
Kansas City Life Insurance Co (OTCPK:KCLI) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Kansas City Life Insurance Co PB Ratio Related Terms
Kansas City Life Insurance Co PB Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Life subindustry, Kansas City Life Insurance Co's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Kansas City Life Insurance Co PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Kansas City Life Insurance Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where Kansas City Life Insurance Co's PB Ratio falls into.
Kansas City Life Insurance Co PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Kansas City Life Insurance Co (KCLI) has a PB Ratio of 0.49 as of Jun. 30, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Kansas City Life Insurance Co and its competitors. This is near median its historical median of 0.51. Over the past decade, Kansas City Life Insurance Co's PB Ratio has ranged from 0.28 to 0.76. According to the industry distribution chart, Kansas City Life Insurance Co ranks #46 out of 502 companies in the Insurance industry, placing it in the top 9.2%.
Is Kansas City Life Insurance Co's PB Ratio too high?
Kansas City Life Insurance Co's current PB Ratio of 0.49 is near median its 10-year median of 0.51. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 0.76. The Insurance industry median PB Ratio is 1.38. Kansas City Life Insurance Co's value of 0.49 is 64.5% below this industry median. Based on the distribution chart, Kansas City Life Insurance Co ranks #46 out of 502 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Kansas City Life Insurance Co has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kansas City Life Insurance Co's PB Ratio compare to CIA and SNFCA?
According to the Insurance industry distribution chart, Kansas City Life Insurance Co ranks #46 out of 502 companies for PB Ratio. This places Kansas City Life Insurance Co in the top 9% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.38. Kansas City Life Insurance Co's value of 0.49 is 64.5% below this benchmark. Historically, Kansas City Life Insurance Co's own PB Ratio has ranged from 0.28 to 0.76 over the past decade. While the company's 10-year median is 0.51 vs. the industry median of 1.38, Kansas City Life Insurance Co has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.38, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kansas City Life Insurance Co's current PB Ratio of 0.49 is 64.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Kansas City Life Insurance Co and its competitors. For the Insurance industry, the median PB Ratio is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kansas City Life Insurance Co's current PB Ratio is 0.49, which is near median its own 10-year median of 0.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kansas City Life Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Kansas City Life Insurance Co (KCLI) is currently considered Modestly Undervalued. The stock's GF Value™ is $37.09, compared to a current price of $33.40 — trading 9.9% below its estimated fair value. The current PB Ratio is 0.49, which is near median its 10-year median of 0.51 and 64.5% below the Insurance industry median of 1.38. Kansas City Life Insurance Co's overall GF Score™ is 65/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Kansas City Life Insurance Co (KCLI), the current PB Ratio is 0.49 as of Jun. 30, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Kansas City Life Insurance Co (KCLI) Overvalued in 2026?
Based on GuruFocus' analysis, Kansas City Life Insurance Co stock appears to be undervalued.
The current stock price of $33.40 is trading 9.9% below its estimated GF Value™ of $37.09.
GuruFocus considers Kansas City Life Insurance Co to be Modestly Undervalued.
Key valuation signals for KCLI:
PB Ratio: 0.49 (near median its 10-year median of 0.51)
GF Value™: $37.09 vs. price of $33.40 (9.9% below fair value)
Industry Position: 64.5% below the Insurance median (#46 of 502)
No single metric tells the full story. See the KCLI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Kansas City Life Insurance Co Business Description
Kansas City Life Insurance Co is a Missouri-domiciled insurance company providing individual life, annuity, and group products through general agencies located throughout the United States. The company operates its business in three segments; The Individual Insurance segment consists of individual insurance products for Kansas City Life, Grange Life, and the assumed reinsurance transactions; The Group Insurance segment consists of sales of group life, dental, vision, disability, accident, and critical illness products; and The Old American segment consists of individual insurance products designed largely as final expense products. The company makes the majority of its revenue from the Individual Insurance Segment.
65GF Score
Get the complete analysis for KCLI
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
KCLI has been successfully added to your 
