National Western Life Group, Inc., through its subsidiary, National Western Life Insurance Company, operates as a stock life insurance company. More Details
No risks detected for NWLI from our risk checks.
Undervalued with excellent balance sheet.
Share Price & News
How has National Western Life Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: NWLI is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: NWLI's weekly volatility (5%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: NWLI underperformed the US Insurance industry which returned 14.8% over the past year.
Return vs Market: NWLI underperformed the US Market which returned 36.2% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is National Western Life Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall StHere's What National Western Life Group, Inc.'s (NASDAQ:NWLI) Shareholder Ownership Structure Looks Like
2 months ago | Simply Wall StNational Western Life Group's(NASDAQ:NWLI) Share Price Is Down 39% Over The Past Three Years.
4 months ago | Simply Wall StWhat You Need To Know About National Western Life Group, Inc.'s (NASDAQ:NWLI) Investor Composition
Is National Western Life Group undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: NWLI ($220.33) is trading below our estimate of fair value ($487.31)
Significantly Below Fair Value: NWLI is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: NWLI is good value based on its PE Ratio (8.4x) compared to the US Insurance industry average (14.8x).
PE vs Market: NWLI is good value based on its PE Ratio (8.4x) compared to the US market (21.5x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate NWLI's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: NWLI is good value based on its PB Ratio (0.4x) compared to the US Insurance industry average (1x).
How is National Western Life Group forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Insurance industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as National Western Life Group has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine whether National Western Life Group is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- Explore growth companies in the Insurance industry.
How has National Western Life Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: NWLI has high quality earnings.
Growing Profit Margin: NWLI's current net profit margins (13.5%) are lower than last year (18.5%).
Past Earnings Growth Analysis
Earnings Trend: NWLI's earnings have grown by 3.3% per year over the past 5 years.
Accelerating Growth: NWLI's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: NWLI had negative earnings growth (-18.1%) over the past year, making it difficult to compare to the Insurance industry average (-12.7%).
Return on Equity
High ROE: NWLI's Return on Equity (4.3%) is considered low.
How is National Western Life Group's financial position?
Financial Position Analysis
Short Term Liabilities: NWLI's short term assets ($694.5M) exceed its short term liabilities ($122.2M).
Long Term Liabilities: NWLI's short term assets ($694.5M) do not cover its long term liabilities ($10.1B).
Debt to Equity History and Analysis
Debt Level: NWLI is debt free.
Reducing Debt: NWLI has not had any debt for past 5 years.
Debt Coverage: NWLI has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: NWLI has no debt, therefore coverage of interest payments is not a concern.
What is National Western Life Group current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: NWLI's dividend (0.16%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.31%).
High Dividend: NWLI's dividend (0.16%) is low compared to the top 25% of dividend payers in the US market (3.64%).
Stability and Growth of Payments
Stable Dividend: NWLI is not paying a notable dividend for the US market, therefore no need to check if payments are stable.
Growing Dividend: NWLI is not paying a notable dividend for the US market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Dividend Coverage: NWLI is not paying a notable dividend for the US market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of NWLI's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Ross Moody (58 yo)
Mr. Ross Rankin Moody has been the President of National Western Life Group, Inc. since 1992 and Chief Executive Officer since 2015. Mr. Moody is Chairman of the Board and Chief Executive Officer at Nation...
CEO Compensation Analysis
Compensation vs Market: Ross's total compensation ($USD9.76M) is above average for companies of similar size in the US market ($USD2.21M).
Compensation vs Earnings: Ross's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
|Senior VP||20.17yrs||US$775.33k||no data|
|Senior Vice President||6.08yrs||US$763.31k||no data|
|Senior VP||no data||no data||no data|
|Executive VP & Chief Marketing Officer||1.75yrs||no data||no data|
|Senior VP & Head of Sales||1.58yrs||no data||no data|
|Vice President of Human Resources||no data||no data||no data|
Experienced Management: NWLI's management team is seasoned and experienced (5.8 years average tenure).
|Chairman Emeritus||5yrs||US$182.13k||13.41% |
|Independent Director||41.75yrs||US$94.13k||0.055% |
|Advisory Director||no data||US$104.54k||0.051% |
|Independent Director||28.75yrs||US$122.63k||0.00028% |
|Independent Director||4.75yrs||US$176.78k||no data|
|Independent Director||17.17yrs||US$183.06k||0.00055% |
|Independent Director||3.58yrs||US$141.84k||no data|
Experienced Board: NWLI's board of directors are seasoned and experienced ( 12.1 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
National Western Life Group, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: National Western Life Group, Inc.
- Ticker: NWLI
- Exchange: NasdaqGS
- Founded: 1956
- Industry: Life and Health Insurance
- Sector: Insurance
- Market Cap: US$801.124m
- Shares outstanding: 3.64m
- Website: https://www.nwlgi.com
Number of Employees
- National Western Life Group, Inc.
- Building 3
- 10801 North Mopac Expressway
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|NWLI||NasdaqGS (Nasdaq Global Select)||Yes||New Class A Common Stock||US||USD||Jan 1969|
|5NW||DB (Deutsche Boerse AG)||Yes||New Class A Common Stock||DE||EUR||Jan 1969|
National Western Life Group, Inc., through its subsidiary, National Western Life Insurance Company, operates as a stock life insurance company. It operates through Domestic Life Insurance, International Li...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/03/07 00:04|
|End of Day Share Price||2021/03/05 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.