NasdaqGS:NWLI

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National Western Life Group

Executive Summary

National Western Life Group, Inc., through its subsidiary, National Western Life Insurance Company, operates as a stock life insurance company. More Details

Rewards

Trading at 55.1% below our estimate of its fair value

Risk Analysis

No risks detected for NWLI from our risk checks.


Snowflake Analysis

Undervalued with excellent balance sheet.


Similar Companies

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 has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

-0.7%

NWLI

2.0%

US Insurance

-0.4%

US Market


1 Year Return

-30.1%

NWLI

-9.5%

US Insurance

18.3%

US Market

Return vs Industry: NWLI underperformed the US Insurance industry which returned -9.5% over the past year.

Return vs Market: NWLI underperformed the US Market which returned 18.3% over the past year.


Shareholder returns

NWLIIndustryMarket
7 Day-0.7%2.0%-0.4%
30 Day2.9%8.5%6.6%
90 Day-2.9%2.7%8.6%
1 Year-30.0%-30.1%-7.0%-9.5%21.0%18.3%
3 Year-47.3%-47.5%2.7%-4.7%42.1%32.7%
5 Year-27.7%-28.1%40.5%22.7%85.6%64.7%

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

Valuation

Is National Western Life Group undervalued compared to its fair value and its price relative to the market?

>50%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: NWLI ($188.59) is trading below our estimate of fair value ($420.12)

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 (6.6x) compared to the US Insurance industry average (14.3x).

PE vs Market: NWLI is good value based on its PE Ratio (6.6x) compared to the US market (19.2x).


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 (0.3x) compared to the US Insurance industry average (0.9x).


Next Steps

Future Growth

How is National Western Life Group forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

25.6%

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.


Next Steps

Past Performance

How has National Western Life Group performed over the past 5 years?

4.2%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: NWLI has high quality earnings.

Growing Profit Margin: NWLI's current net profit margins (15.3%) are lower than last year (19.4%).


Past Earnings Growth Analysis

Earnings Trend: NWLI's earnings have grown by 4.2% 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 (-20.6%) over the past year, making it difficult to compare to the Insurance industry average (-3.4%).


Return on Equity

High ROE: NWLI's Return on Equity (4.8%) is considered low.


Next Steps

Financial Health

How is National Western Life Group's financial position?


Financial Position Analysis

Short Term Liabilities: NWLI's short term assets ($608.5M) exceed its short term liabilities ($94.9M).

Long Term Liabilities: NWLI's short term assets ($608.5M) 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.


Balance Sheet


Next Steps

Dividend

What is National Western Life Group current dividend yield, its reliability and sustainability?

0.19%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: NWLI's dividend (0.19%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.63%).

High Dividend: NWLI's dividend (0.19%) is low compared to the top 25% of dividend payers in the US market (4.56%).


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.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

5.3yrs

Average management tenure


CEO

Ross Moody (58 yo)

5.33yrs

Tenure

US$9,756,984

Compensation

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 ($USD9.76M) is above average for companies of similar size in the US market ($USD2.94M).

Compensation vs Earnings: Ross's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.


Leadership Team

NamePositionTenureCompensationOwnership
Ross Moody
Chairman5.33yrsUS$9.76m0.12%
$ 845.3k
Brian Pribyl
Senior VP19.75yrsUS$775.33kno data
Reynaldo Perez
Senior Vice President5.67yrsUS$763.31kno data
Gina Miller
Senior VPno datano datano data
Chad Tope
Executive VP & Chief Marketing Officer1.33yrsno datano data
James Ryan
Senior VP & Head of Sales1.17yrsno datano data
Patrick Johnson
Vice President of Human Resourcesno datano datano data

5.3yrs

Average Tenure

55yo

Average Age

Experienced Management: NWLI's management team is seasoned and experienced (5.3 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Ross Moody
Chairman5.33yrsUS$9.76m0.12%
$ 845.3k
Robert Moody
Chairman Emeritus4.58yrsUS$182.13k37.29%
$ 255.7m
Charles Milos
Director39.33yrsUS$1.52m0.19%
$ 1.3m
Erle McLeod
Independent Director41.33yrsUS$94.13k0.055%
$ 377.2k
Frances Moody-Dahlberg
Director30.33yrsUS$126.78k0.064%
$ 439.8k
Russell Moody
Advisory Directorno dataUS$104.54k0.051%
$ 348.9k
Elvin Pederson
Independent Director28.33yrsUS$122.63k0.00028%
$ 1.9k
David Boone
Independent Director4.33yrsUS$176.78kno data
Stephen Glasgow
Independent Director16.75yrsUS$183.06k0.00055%
$ 3.8k
Ann Moody
Director6.67yrsUS$126.57k0.000030%
$ 205.7
Thomas Blackwell
Independent Director3.17yrsUS$141.84kno data

11.7yrs

Average Tenure

65yo

Average Age

Experienced Board: NWLI's board of directors are seasoned and experienced ( 11.7 years average tenure).


Ownership

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.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

National Western Life Group, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: National Western Life Group, Inc.
  • Ticker: NWLI
  • Exchange: NasdaqGS
  • Founded: 1956
  • Industry: Life and Health Insurance
  • Sector: Insurance
  • Market Cap: US$685.717m
  • Shares outstanding: 3.64m
  • Website: https://www.nwlgi.com

Number of Employees


Location

  • National Western Life Group, Inc.
  • Building 3
  • 10801 North Mopac Expressway
  • Austin
  • Texas
  • 78759
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
NWLINasdaqGS (Nasdaq Global Select)YesNew Class A Common StockUSUSDJan 1969
5NWDB (Deutsche Boerse AG)YesNew Class A Common StockDEEURJan 1969

Biography

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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/26 00:46
End of Day Share Price2020/10/23 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


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.