National Western Life Group, Inc.
National Western Life Group, Inc. Fundamental Analysis
National Western Life Group, Inc. (NWLI) shows weak financial fundamentals with a PE ratio of 18.72, profit margin of 13.52%, and ROE of 4.25%. The company generates $0.7B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 56.3/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze NWLI's fundamental strength across five key dimensions:
Efficiency Score
WeakNWLI struggles to generate sufficient returns from assets.
Valuation Score
ExcellentNWLI trades at attractive valuation levels.
Growth Score
ModerateNWLI shows steady but slowing expansion.
Financial Health Score
ModerateNWLI shows balanced financial health with some risks.
Profitability Score
WeakNWLI struggles to sustain strong margins.
Key Financial Metrics
Is NWLI Expensive or Cheap?
P/E Ratio
NWLI trades at 18.72 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, NWLI's PEG of 0.19 indicates potential undervaluation.
Price to Book
The market values National Western Life Group, Inc. at 0.72 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.00 times EBITDA. This is generally considered low.
How Well Does NWLI Make Money?
Net Profit Margin
For every $100 in sales, National Western Life Group, Inc. keeps $13.52 as profit after all expenses.
Operating Margin
Core operations generate 20.82 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $4.25 in profit for every $100 of shareholder equity.
ROA
National Western Life Group, Inc. generates $0.86 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
National Western Life Group, Inc. generates strong operating cash flow of $262.93M, reflecting robust business health.
Free Cash Flow
National Western Life Group, Inc. generates strong free cash flow of $257.21M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $70.74 in free cash annually.
FCF Yield
NWLI converts 13.76% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
18.72
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.19
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.72
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.60
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
-0.88
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.04
vs 25 benchmark
ROA
Return on assets percentage
0.009
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How NWLI Stacks Against Its Sector Peers
| Metric | NWLI Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 18.72 | 18.86 | Neutral |
| ROE | 4.25% | 847.00% | Weak |
| Net Margin | 13.52% | 4202.00% | Weak |
| Debt/Equity | 0.00 | 0.91 | Strong (Low Leverage) |
| Current Ratio | -0.88 | 667.17 | Weak Liquidity |
| ROA | 0.86% | -21543.00% (disorted) | Weak |
NWLI outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews National Western Life Group, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical