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Kansas City Life Insurance Company (KCLI) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Kansas City Life Insurance Company $5.92, price $36.19, upside -83.6%, quality 46 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · US · ISIN US4848362004

KC Kansas City Life Insurance Company logo Thin data Sep 23, 2026

Kansas City Life Insurance Company

KCLI · US

Structural break: The valuation model sees a lasting decline in earnings power for this stock, the confidence band is broken. Treat the target with caution.

Weakest SetupStrongly overvalued and low quality.

!Fair value $5.92 · Strongly overvalued (−84%)
!Quality 46/100
!Weak Growth (revenue 5y −0.9 %/yr)
!Loss-making · -3.2% net margin (TTM)
!Low debt · negative free cash flow
·1.77% dividend yield
!Trails peers (3/12)
!Narrow moat 19/100
!Evidence only low, so the estimate is less certain
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26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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Price vs Fair Value

$41.75 $19.43 Fair Value $5.92 May 2019 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range $19.43 – $41.75 · fair‑value band $4.78 – $7.06 · the $36.19 price screens above the $5.92 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

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.

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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.

Stock analysis

Kansas City Life Insurance Company (KCLI) currently trades at $36.19, while our model-based Fair Value estimate is $5.92, implying the stock looks roughly 511.2% overvalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of $46.05 per share, and 1 of the 3 models we run sit above the $36.19 price.

Bear case: the Dividend Discount group reads lowest at $5.28, and 2 of the 3 models stay below the price. Evidence for this calculation is low.

Scenario range: $4.78 (bear) to $7.06 (bull), the price of $36.19 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue growth is weak: less than 2 % a year.

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.

Key figures

Market cap $350M · P/S ratio 0.67 · EPS (TTM) $−1.58 · Dividend yield 1.8% · Net margin −4.3% · Return on equity −2.4% · Return on assets (EBIT) 0.6% · Operating margin 3.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).

What moves the price

The share trades at its 52-week high and 21% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at −84%, KCLI screens richer than that median.

Fair Value models

Bear $4.78 Fair Value $5.92 Bull $7.06
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Gordon GGM $4.35 $5.28 $6.17 69
DDM Multi-Stage $4.35 $5.56 $6.87 67
NCAV (Graham) $34.37 $46.05 $68.73 54
All 3 models by family
Dividend Discount
Gordon GGM $4.35 $5.28 $6.17 69
DDM Multi-Stage $4.35 $5.56 $6.87 67
Asset-Based
NCAV (Graham) $34.37 $46.05 $68.73 54

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Quality Score breakdown

Overall quality 46/100

Of which business quality 36 · Market factors (momentum, volatility) 71

Profitability 6
Margins and returns on capital today
Quality Growth 52
Are margins and returns improving?
Cashflow 33
Earnings quality: real cash, not paper profit
Fin. Strength 1
Balance sheet, leverage, solvency risk
Investment 82
Disciplined investing over empire-building
Low Volatility 92
Calm price path (market factor)
Momentum 55
Price trend over the last 3–12 months (market factor)
52W Momentum 75
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 3/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
−0.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−0.9%
Start year 2020 (pandemic). Over 10 years: +1.0% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.0%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
9.0% (2014) → 5.8% (2019)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

KCLI screens 511% overvalued. Compare with China Life Insurance Company →

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Peer Groupⓘ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.Insurance - Life · 95 stocks

Beats the industry median on 3/11 measures
Overall it trails its industry peers.
Valuation
Quality Score 39 · Bottom 25%
Fair Value upside −84% · Bottom 25%
Profitability
Return on assets 0% · Bottom 25%
Net margin (TTM) −3% · Bottom 25%
Operating margin (TTM) 3% · Bottom 25%
Growth and dividend
Revenue growth 0% · Below median
Dividend yield (TTM) 1.8% · Bottom 25%
Balance sheet
Debt / equity 0.00× · Lowest 25%

Valuation Multiplesvs Insurance - Life median · lower = cheaper

P/B 0.53× · Cheapest 25%
P/S (TTM) 0.72× · Cheaper than median
PEG 3.06× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 9
FUTURE (revenue growth)0 · sector 43
PAST (return on equity)0 · sector 43
HEALTH (low debt)100 · sector 84
DIVIDEND (yield)35 · sector 56

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

Context: sector, industry, market

Values & ESG

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

None of the checked exposures detected

Similar stocks

10 more Insurance - Life stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
China Life Insurance Company 601628 ¥38.60 ¥49.98 +29%
Ping An Insurance (Group) Company 601318 ¥53.87 ¥66.20 +23%
AIA Group 1299 HK$75.35 HK$41.68 −45%
Manulife Financial Corporation MFC $43.60 $27.43 −37%
Aflac Incorporated AFL $115.23 $67.96 −41%
MetLife, Inc MET $97.20 $53.26 −45%
Great-West Lifeco Inc GWO C$92.75 C$41.81 −55%
Life Insurance Corporation LICI ₹407.50 ₹392.93 −4%
Samsung Life Insurance Co 032830 294,500 KRW 191,293 KRW −35%
Cathay Financial Holding 2882 110.50 TWD 72.33 TWD −35%

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Kansas City Life Insurance Company · Fair Value
$5.92 −511%Fair Value
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Cite: Fair Value Calculator (2026). "Kansas City Life Insurance Company Fair Value". https://www.fairvalue-calculator.com/stock/KCLI

Frequently asked questions

Is Kansas City Life Insurance Company (KCLI) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $5.92 versus a price of $36.19, about −84% upside (overvalued).
What is the fair value of KCLI?
Our model-based fair value for Kansas City Life Insurance Company is $5.92 (as of Sep 23, 2026), built from audited fundamentals. The current price: $36.19.
What is the quality score of KCLI?
Kansas City Life Insurance Company has a Quality Score of 46/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Kansas City Life Insurance Company (KCLI)?
Our model-based price target is the fair value of $5.92 (as of Sep 23, 2026) from 3 valuation models. Cautious scenario $4.78, optimistic scenario $7.06. It is a calculation from audited fundamentals, not an analyst target.
What is the Kansas City Life Insurance Company stock forecast for 2026?
Our models put fair value at $5.92, about −84% upside versus a price of $36.19 (overvalued). Cautious scenario $4.78, optimistic scenario $7.06. The calculation is refreshed regularly with new filings.
What is the revenue of Kansas City Life Insurance Company (KCLI)?
Kansas City Life Insurance Company reported trailing-twelve-month revenue of about $485M (latest available figure, as of Sep 23, 2026).
Does Kansas City Life Insurance Company pay a dividend?
Kansas City Life Insurance Company currently shows a dividend yield of about 1.77% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of Kansas City Life Insurance Company (KCLI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Kansas City Life Insurance Company it is $5.92 per share (as of Sep 23, 2026), against a price of $36.19. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Kansas City Life Insurance Company stock overvalued or undervalued in 2026?
As of Sep 23, 2026, KCLI trades above its calculated fair value: price $36.19, fair value $5.92, a gap of about −84% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of KCLI?
No. The price is what the market pays today ($36.19); the fair value is what the company's own numbers justify ($5.92). For Kansas City Life Insurance Company the two are $30.27 per share apart. That gap is exactly why we show both numbers side by side.
How much is Kansas City Life Insurance Company worth?
The market values Kansas City Life Insurance Company at about $350M (market capitalisation, as of Sep 23, 2026). Per share that is $36.19; our models calculate a fair value of $5.92 per share.
What do the bullish and bearish scenarios say about KCLI?
Our models span a range for Kansas City Life Insurance Company: cautious scenario $4.78, base $5.92, optimistic $7.06 per share (as of Sep 23, 2026, price $36.19). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of KCLI?
The PEG ratio of Kansas City Life Insurance Company is 3.06 (P/E divided by earnings growth, as of Sep 23, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Kansas City Life Insurance Company (KCLI)?
Balance-sheet figures for Kansas City Life Insurance Company (as of Sep 23, 2026): return on equity −2.4%, debt of 0.00 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is KCLI from its 52-week high?
Kansas City Life Insurance Company trades at $36.19, at its 52-week high of $36.30 and 21% above the low of $29.85 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $5.92 is for.
Which stocks are comparable to Kansas City Life Insurance Company?
From the same area (Financial Services) we also value China Life Insurance Company, Ping An Insurance (Group) Company, AIA Group, Manulife Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Kansas City Life Insurance Company stock attractive at the current price?
The data as of Sep 23, 2026: price $36.19, calculated fair value $5.92 (−84%), Quality Score 46/100, from 3 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of KCLI calculated?
We run Kansas City Life Insurance Company through 3 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $5.92, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Kansas City Life Insurance Company itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Kansas City Life Insurance Company (KCLI)?
The closing price on Sep 23, 2026 was $36.19. Our model-based fair value is $5.92, about −84% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Kansas City Life Insurance Company right now?
The price sits above even our optimistic bull case ($7.06). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. 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.

Key figures of Kansas City Life Insurance Company

How large is the market capitalisation of Kansas City Life Insurance Company (KCLI)?
The market capitalisation of Kansas City Life Insurance Company is $350M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Kansas City Life Insurance Company (KCLI)?
The price-to-sales ratio of Kansas City Life Insurance Company is 0.67 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Kansas City Life Insurance Company (KCLI)?
Earnings per share at Kansas City Life Insurance Company are $−1.58. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Kansas City Life Insurance Company (KCLI)?
The dividend yield of Kansas City Life Insurance Company is 1.8%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Kansas City Life Insurance Company (KCLI)?
The net margin of Kansas City Life Insurance Company is −4.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Kansas City Life Insurance Company (KCLI)?
The return on equity (ROE) of Kansas City Life Insurance Company is −2.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Kansas City Life Insurance Company (KCLI)?
On an EBIT basis the return on assets of Kansas City Life Insurance Company is 0.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Kansas City Life Insurance Company (KCLI)?
The operating margin of Kansas City Life Insurance Company is 3.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Kansas City Life Insurance Company (KCLI)?
Revenue at Kansas City Life Insurance Company is growing −0.2% versus a year earlier (3y avg +0.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Kansas City Life Insurance Company (KCLI)?
Earnings per share at Kansas City Life Insurance Company are growing +130% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Kansas City Life Insurance Company (KCLI) generate?
The free cash flow of Kansas City Life Insurance Company is −$131M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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