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

Financial Services · US · Market cap $323M

Below-average quality, and screening another 82% overvalued on our models.

What matters now

• The price sits above even our optimistic bull case ($7.24). The favourable scenario is already priced in.
• Solid but not exceptional quality (46/100) and above fair value, neither a clear bargain nor a standout compounder.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

60‑month range $19.43 – $41.75 · fair‑value band $4.87 – $7.24 · the $34.05 price screens above the $6.05 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.

Full chart & analysis →

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Analysis

Kansas City Life Insurance Company (KCLI) currently trades at $34.05, while our model-based Fair Value estimate is $6.05, implying the stock looks roughly 82.2% overvalued today. The Quality Score stands at 46/100 (below-average 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).

Over the trailing twelve months, Kansas City Life Insurance Company generated revenue of $485M at a net margin of -3.2%. Revenue declined 0.2% year over year. It earns a return on equity of -2.4%. Fundamentals as of Jul 26, 2026

Our scenario range runs from $4.87 (bear case) to $7.24 (bull case); at $34.05, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 5% below its 52-week high and 20% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 1% fair-value upside, at -82%, KCLI screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Asset-Based ($46.05) versus Dividend Discount ($5.28). Highest evidence: Gordon GGM (70).

Key figures & financial health

Quality Score breakdown

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Kansas City Life Insurance Company reported revenue of $486M in FY2025 versus $495M in FY2021, a compound −0.4%/yr. Reported net income was −$20.8M in FY2025.

KCLI screens 82% overvalued. Compare with China Life Insurance Company →

Peer Group

Insurance - Life · 95 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Insurance - Life median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0: the price sits above our fair-value range.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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10 more Insurance - Life stocks, each showing price versus our Fair Value estimate (as of Jul 26, 2026).

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Frequently asked questions

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.