Kansas City Life Insurance Company (KCLI) Stock Analysis & Winston Score

Kansas City Life Insurance Company sells life insurance and related financial products to individuals and families. Its main offerings include term life, whole life, and annuity contracts, which help customers protect their families financially or save money for retirement. The company has operated out of Kansas City, Missouri since 1895, making it one of the older regional life insurers in the United States.

The company earns money by collecting premiums from policyholders and investing that money, keeping the difference between investment returns and what it pays out in claims. It operates almost entirely in the United States and, with a market cap of roughly $300 million, is a small player compared to national giants like MetLife or Prudential. Its long history and established agent distribution network provide some stability, but the negative operating margin and low returns on capital suggest the company is under pressure from rising claims costs, low interest rates in recent years, and stiff competition from larger insurers with more scale.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-1.0% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+421.1% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

84.5%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

~0 months

$8M cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Short runway — potential dilution ahead through share issuance

Cash watch

Kansas City Life Insurance Company has less than a year of cash at its current burn rate. Growth investors should watch for potential share dilution from future fundraising — that directly reduces your ownership.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

0.0% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 9.7M (2021) → 9.7M (2025)

Score breakdown

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Quality

Gross Margin

52.0%

Healthy — 52.0% gross margin

Operating Margin

3.5%

Thin — 3.5% operating margin

ROCE

0.6%

Weak — 0.6% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+0.4%

Nearly flat sales (0.4% YoY)

EPS YoY

N/A

Data not available

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

N/A

Data not available

FCF Margin

-23.9%

Burning cash (-23.9%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

N/A

Data not available

Interest Cover

N/A

—

Data not available

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Valuation

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

1.92%

Small dividend — 1.92% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+14.3%

Dividend growing fast (14.3% YoY)

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