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Kansas City Life Insurance Company (KCLI) Fair Value & Analysis

Financial Services · US · Market cap $323M

Price$33.42
Fair Value$6.05
Upside-81.9%
Quality95/100
Evidence: Medium Range $4.87 – $7.24

Fair value as of: Jun 26, 2026

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Analysis

Kansas City Life Insurance Company (KCLI) currently trades at $33.42, while our model-based Fair Value estimate is $6.05 — implying the stock looks roughly 81.9% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

About the company

Kansas City Life Insurance Company provides insurance products and services in states and the District of Columbia. The company operates through three segments: Individual Insurance, Group Insurance, and Old American. The Individual Insurance segment consists of individual insurance products for Kansas City life, Grange life, and the assumed reinsurance transactions. The Group Insurance segment sells group life, dental, vision, disability, accident, and critical illness products. The Old American segment consists of individual insurance products designed final expense products. Kansas City Life Insurance Company was incorporated in 1895 and is based in Kansas City, Missouri.

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Frequently asked questions

Is Kansas City Life Insurance Company (KCLI) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $6.05 versus a price of $33.42 — about −82% (overvalued). Model-based estimate, not financial advice.
What is the fair value of KCLI?
Our 21-model fair value for Kansas City Life Insurance Company is $6.05 (as of Jun 26, 2026), built from audited fundamentals. The current price is $33.42.
What is the quality score of KCLI?
Kansas City Life Insurance Company has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.