Kansas City Life Insurance Company (KCLI) AI Stock Analysis

• Market Cap: $296.30M
• Dividend Yield: 1.83%
• Average Volume (3M): 632.00
• Price to Earnings (P/E): 5.9
• Beta (1Y): 0.53
• Revenue Growth: -0.98%
• EPS Growth: -109.04%
• Country: US
• Employees: 443
• Sector: Financial
• Sector Strength: 84
• Industry: Insurance - Life
• EPS (TTM): -0.51
• Shares Outstanding: 9,683,000
• 10 Day Avg. Volume: 843
• 30 Day Avg. Volume: 632
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.68
• Price to Cash Flow (P/CF): -7.30
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

The overall stock score of Kansas City Life Insurance Company reflects significant financial challenges, including profitability issues and negative cash flows. While the zero-debt position and strong equity base are positives, technical indicators suggest bearish trends, and valuation metrics do not provide compelling reasons to invest at this time. Improvements in financial performance and market sentiment are needed for a more favorable outlook.

Kansas City Life Insurance Company Business Overview & Revenue Model

Company Description

Kansas City Life Insurance Company (KCLI) is a financial services organization headquartered in Kansas City, Missouri. The company operates within the life insurance sector, offering a wide range of products, including individual life insurance, annuities, and group insurance solutions. KCLI aims to provide financial security and peace of mind to its clients through tailored insurance solutions.

How the Company Makes Money

Kansas City Life Insurance Company generates revenue primarily through the sale of life insurance policies and annuity products. The company earns premiums from policyholders, which serve as the primary source of income. Additionally, KCLI invests the premiums collected in various financial instruments, such as bonds, equities, and real estate, to generate investment income. This investment income complements the premium revenue and helps the company meet its future policyholder obligations. The company may also earn fees from managing group insurance plans and other financial products. Significant partnerships with financial advisors and insurance brokers can enhance distribution channels, contributing to the company's revenue growth.

Kansas City Life Insurance Company Financial Statement Overview

Summary

Kansas City Life Insurance Company exhibits a mixed financial position. While the lack of debt and a solid equity base are strengths, the company faces profitability challenges and cash flow constraints. Revenue and net income volatility, coupled with negative operating cash flows, highlight areas for strategic improvement.

Income Statement

The income statement shows significant volatility in net income over the years, with a recent shift to a net loss. The gross profit margin remains at 100%, typical for the insurance industry, but the company has faced revenue declines and inconsistent profitability. The revenue growth rate is negative due to reduced revenue from 2023 to 2024, and the absence of EBIT and EBITDA margins highlights operational challenges.

Balance Sheet

The company has zero debt, resulting in a debt-to-equity ratio of 0, which is a significant strength. The return on equity is negative due to recent net losses, indicating a challenge in generating returns for shareholders. However, the equity ratio remains strong, suggesting a solid capital structure.

Cash Flow

Operating cash flow has been consistently negative, indicating cash management challenges. Free cash flow growth is negative, and the free cash flow to net income ratio reflects inefficiencies. Positive financing cash flow suggests reliance on external financing to support operations, which poses a risk.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
490.74M	558.92M	475.95M	511.25M	523.91M
	Gross Profit
490.74M	239.29M	475.95M	511.25M	523.91M
	EBIT
0.00	0.00	-20.76M	160.00K	10.00M
	EBITDA
0.00	0.00	-14.16M	0.00	24.45M
	Net Income Common Stockholders
-4.96M	54.92M	-16.22M	10.70M	15.17M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
274.35M	9.70M	2.27B	3.17B	3.25B
	Total Assets
5.02B	4.64B	4.97B	5.43B	5.46B
	Total Debt
0.00	0.00	0.00	0.00	0.00
	Net Debt
-8.10M	-9.70M	-7.77M	-5.42M	-7.20M
	Total Liabilities
4.44B	4.44B	4.08B	4.20B	4.16B
	Stockholders Equity
581.45M	609.36M	491.69M	830.43M	908.74M
Cash Flow		Free Cash Flow
-59.67M	-51.45M	-54.87M	-46.95M	4.08M
	Operating Cash Flow
-58.37M	-50.54M	-54.33M	-46.32M	5.89M
	Investing Cash Flow
-13.01M	-2.60M	-89.17M	-7.86M	-34.02M
	Financing Cash Flow
69.78M	55.07M	145.85M	52.40M	21.10M

Kansas City Life Insurance Company Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 30.60
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KCLI, the sentiment is Negative. The current price of 30.6 is below the 20-day moving average (MA) of 32.23, below the 50-day MA of 33.81, and below the 200-day MA of 35.55, indicating a bearish trend. The MACD of -0.94 indicates Positive momentum. The RSI at 29.36 is Positive, neither overbought nor oversold. The STOCH value of 22.63 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for KCLI.

Kansas City Life Insurance Company Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CNO	66 Neutral	$3.69B	9.85	17.14%	1.74%	7.83%	55.84%
Sector *	64 Neutral	$13.34B	9.25	9.42%	4.85%	16.07%	-8.44%
GNW	64 Neutral	$2.72B	9.71	3.87%	―	4.06%	10092.54%
CIA	60 Neutral	$199.63M	13.54	7.80%	―	1.80%	-39.04%
AAME	52 Neutral	$26.93M	―	-4.13%	1.51%	0.77%	-720.07%
KCLI	50 Neutral	$296.30M	5.91	-0.83%	1.83%	-0.98%	-109.04%
ABL	32 Underperform	$760.30M	―	-8.15%	―	103.34%	-866.41%