Kansas City Life Insurance CoKCLI 66 ROE % is 5.76% as of Mar. 2026, which is 191% above its 10-year median of 1.98. GuruFocus rates KCLI with a GF Score™ of 66/100 and a GF Value™ of $37.08 (Modestly Undervalued). Among 502 Insurance companies, Kansas City Life Insurance Co ranks worse than 93.03% on this metric.
The historical rank and industry rank for Kansas City Life Insurance Co's ROE % or its related term are showing as below:
KCLI'
s ROE % Range Over the Past 10 Years
Min: -3.16 Med: 1.98 Max: 7.7
Current: -2.09
During the past 13 years, Kansas City Life Insurance Co's highest ROE % was 7.70%. The lowest was -3.16%. And the median was 1.98%.
KCLI's ROE % is ranked worse than 93.03% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs KCLI: -2.09
Kansas City Life Insurance Co (OTCPK:KCLI) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Kansas City Life Insurance Co ROE % Related Terms
Kansas City Life Insurance Co ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Kansas City Life Insurance Co's ROE % distribution charts can be found below:
* The bar in red indicates where Kansas City Life Insurance Co's ROE % falls into.
* 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Kansas City Life Insurance Co (KCLI) has a ROE % of 5.76% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Kansas City Life Insurance Co and its competitors. This is 191% above median its historical median of 1.98. According to the industry distribution chart, Kansas City Life Insurance Co ranks #467 out of 502 companies in the Insurance industry, placing it in the top 93%.
Is Kansas City Life Insurance Co's ROE % too high?
Kansas City Life Insurance Co's current ROE % of 5.76% is 191% above median its 10-year median of 1.98. The Insurance industry median ROE % is 11.73. Kansas City Life Insurance Co's value of 5.76% is 50.9% below this industry median. Based on the distribution chart, Kansas City Life Insurance Co ranks #467 out of 502 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Kansas City Life Insurance Co has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kansas City Life Insurance Co's ROE % compare to CIA and SNFCA?
According to the Insurance industry distribution chart, Kansas City Life Insurance Co ranks #467 out of 502 companies for ROE %. This places Kansas City Life Insurance Co in the lower half of its industry. The industry median ROE % is 11.73. Kansas City Life Insurance Co's value of 5.76% is 50.9% below this benchmark. While the company's 10-year median is 1.98 vs. the industry median of 11.73, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.73, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kansas City Life Insurance Co's current ROE % of 5.76% is 50.9% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Kansas City Life Insurance Co and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kansas City Life Insurance Co's current ROE % is 5.76%, which is 191% above median its own 10-year median of 1.98. 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 $37.08, compared to a current price of $33.42 — trading 9.9% below its estimated fair value. The current ROE % is 5.76%, which is 191% above median its 10-year median of 1.98 and 50.9% below the Insurance industry median of 11.73. Kansas City Life Insurance Co's overall GF Score™ is 66/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Kansas City Life Insurance Co (KCLI), the current ROE % is 5.76% as of Mar. 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 $33.42 is trading 9.9% below its estimated GF Value™ of $37.08.
GuruFocus considers Kansas City Life Insurance Co to be Modestly Undervalued.
Key valuation signals for KCLI:
ROE %: 5.76% (191% above median its 10-year median of 1.98)
GF Value™: $37.08 vs. price of $33.42 (9.9% below fair value)
Industry Position: 50.9% below the Insurance median (#467 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.
66GF Score
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