National Western Life Group, Inc. (NWLI) 📈: отчетность и дивиденды за 2025

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	Average for 5 years	CAGR 5
Capitalization, bln $	0.8421	0.7582	1.12	1.07	0.9904	0.7583	0.8069	0.73	1.32	1.47	0.9211	5.91
Revenue, bln $	0.5898	0.6824	0.8744	0.5516	0.8192	0.6947	0.8241	0.5584	0.6982	0.6982	0.7189	-3.15
Net profit, bln $	0.0984	0.1009	0.1104	0.1168	0.1316	0.0923	0.1807	0.1011	0.0944	0.0944	0.1200	-6.43
EV, bln $				11.17	0.7526	0.1696	1.14	0.6216	1.23	1.23	0.7828	10.32
EBIT, bln $	0.1467	0.1529	0.1446	0.1415	0.1652	0.1121	0.2273	0.32	0.1355	0.1355	0.1920	-3.89
EBITDA, bln $	0.1497	0.1609	0.1546	0.1533	0.1764	0.124	0.2403	0.3343	0.1454	0.1454	0.2041	-3.79
OIBDA $					0.175	0.1067	0.2422	0.5532	0.1963		0.2547	2.32
Book value, bln $	1.61	1.72	1.83	1.9	2.03	2.1	2.28	2.01	2.44	2.44	2.17	3.75
FCF, bln $	0.3462	0.2589	0.267	0.3235	0.3262	0.361	0.2668	0.3569	0.2501	0.2501	0.3122	-5.17
Operating Cash Flow, bln $	0.3462	0.3091	0.2761	0.3266	0.329	0.3731	0.2768	0.3585	0.2557	0.2557	0.3186	-4.92
Operating profit, bln $	0.1467	0.1529	0.1446	0.1415	0.1652	0.1121	0.2273	0.32	0.1454	0.1454	0.1940	-2.52
Operating expenses, bln $	-0.3647	-0.4351	-0.6229	0.41	0.654	0.1046	0.1266	0.1358	0.2085	0.2085	0.2459	-20.44
CAPEX, bln $	0.0502	0.0502	0.0091	0.0031	0.0028	0.0121	0.01	0.0016	0.0056	0.0056	0.0064	14.87

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	Average for 5 quarters	CAGR 5
Capitalization, bln $	0.7892	0.7911	0.7763	0.7441	0.7078	0.7541	0.9215	1.13	1.55	1.68		1.21	17.38
Revenue, bln $		0.215	0.1327	0.1157	0.1424	0.1619	0.1526	0.1862	0.1567	0.2051	0.1962	0.1794	5.15
Net profit, bln $		0.0288	0.0362	0.0308	0.0218	0.0124	0.0123	0.0296	0.0134	-0.0122	0.0736	0.0233	43.02
EV, bln $		2.64	0.2893	0.2254	0.2895	0.6475	0.5405	1.01	1.26	1.23	1.28	1.06	18.82
EBIT, bln $		0.0361	0.0456	0.0377	0.0922	0.2347	0.0153	0.0316	0.0111	0	0.0508	0.0687	-26.37
EBITDA, bln $		0.0393	0.049	0.0412	0.0959	0.2384	0.0178	0.0342	0.0134	0.0099	0.0532	0.0257	24.48
OIBDA $							0.0208	0.0314	0.0134	0.0221	0.0327	0.0241	9.47
Book value, bln $		2.54	2.32	2.35	2.37	2.38	2.31	2.28	2.24	2.44	2.5	2.35	1.59
FCF, bln $		0.2777	0.0721	0.0664	0.0947	0.1237	0.046	0.0707	0.0806	0.0528	0.1038	0.0708	17.68
Operating Cash Flow, bln $		0.2795	0.0727	0.0666	0.0953	0.124	0.0471	0.0713	0.0812	0.0561	0.1041	0.0720	17.19
Operating profit, bln $		0.2795	0.0727	0.0666	0.0953	0.124	0.0153	0.0269	0.0134	0	0.0532	0.0466	-15.57
Operating expenses, bln $		-0.1806	0.0074	0.0795	0.116	0.1358	-0.1373	-0.1168	0.0252	0.0579	0.0409	-0.0260	-178.49
CAPEX, bln $		0.0018	0.000569	0.000195	0.000584	0.000246	0.001	0.000558	0.000627	0.0033	0.000323	0.0012	-20.23

	Average for 5 quarters	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	1990	1991	1992	1993	1994	1996	2010	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	Average for 5 years	CAGR 5
Cash, bln $											0.106	0.0512	0.2176	0.132	0.2535	0.5811	0.7146	0.2953	0.4828	0.4828	0.4655	13.75
Short-Term Investments $											0.2851	0.2795	0.3374	2.95	3.36	10.77	9.07	7.62	0.7155	0.7155	6.31	-26.61
Long-Term Investments $										9.58	10.06	10.22	10.31	10.25	10.49	10.79	11.06	9.66	8.18		10.04	-4.85
Accounts Receivable $							0.000427	0.0057		0.0125	0.0125			0.0179		1.72	1.54	1.73	1.55	1.55	1.31	144.06
Total Current Assets $											3	3.11	3.28	3.1	3.61	13.07	11.32	7.91	1.35	1.35	7.45	-17.86
Net assets, bln $														1.9	2.13	2.54	2.54	2.01	2.31	7.91	2.31	1.64
Assets, bln $											11.61	11.89	12.23	11.93	12.55	14.65	14.33	13.1	10.94	10.94	13.11	-2.71
Short-Term Debt $	0.0659	0.1127	0.0486	0.0829	0.0297											0.0297	1.08				0.2542	85.93
Long-Term Debt $																	1.49	1.33		1.33	1.41	-5.52
Liabilities, bln $											10	10.17	10.39	10.03	10.43	12.11	11.79	11.09	8.5	8.5	10.78	-4.01
Net debt, bln $											-0.106	-0.0512	-0.2176	10.1	-0.2535	-0.5811	0.3628	-0.2953	-0.4828	-0.4828	-0.2500	13.75
Debt, bln $														10.23	10.46	10.77	1.08			0.000917	8.13	-43.00
Interest Income $											0.0607	0.0104	0.2373	0.0663	0.0914						0.0932	8.53
Interest Expense, bln $	0.1282					0.1515												0.1939	0.2137	0.1939	0.1718	13.63
Net interest income, bln $														0.0663	0.0914						0.0789	17.41
Goodwill $															0.0139	0.0139	0.0139	0.0139	0.0139		0.0139	0.00
Amortization, bln $											0.003	0.0081	0.01	0.0118	0.0113	0.0119	0.013	0.0143	0.0099	0.0099	0.0121	-2.61
Cost of production, bln $									0.7074	0.5478	0.0784	0.0944	0.107	0.094	0.1046	0.1046			0.0328	0.0328	0.0886	-21.06
Inventory $											2.38			2.17		9.29	7.92	4.69	9.14	9.14	6.64	33.32

	1995Q1	1995Q2	2000Q1	2000Q2	2001Q2	2001Q3	2002Q1	2002Q2	2002Q3	2003Q1	2003Q2	2003Q3	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	Average for 5 quarters	CAGR 5
Cash, bln $																							0.7146	0.4998	0.5306	0.3311	0.2953	0.3018	0.2918	0.3207	0.4828	0.4505	0.3695	8.34
Short-Term Investments $																							0.2588	8.72	8.16	7.65	7.62	7.59	7.33	1.01	0.7155	0.9665	3.52	-33.78
Long-Term Investments $																						11.3	11.06	10.62	9.93	9.63	9.66	9.71	8.42	8.08	8.18		8.81	-3.27
Accounts Receivable $																							1.54	1.5	1.47	1.78	1.73	1.67	1.62	1.55	1.55	1.47	1.57	-2.52
Total Current Assets $																							11.32	10.71	10.16	7.98	7.91	9.56	9.24	2.88	1.35	1.57	4.92	-30.32
Net assets, bln $																0.1536								2.3	2.1	1.94	2.01	2.31					2.13	0.09
Assets, bln $																							14.33	13.82	13.3	13.24	13.1	12.78	12.45	12.06	10.94	10.64	11.77	-3.60
Short-Term Debt $	0.0005	0.0033	0.012	0.023														10.23	0.023	0.023	10.68	1.09	1.08										2.58	115.94
Long-Term Debt $																						1.54	1.49	1.35	1.21	1.37	1.33	1.31	1.24				1.29	0.49
Liabilities, bln $																							11.79	11.53	11.21	11.3	11.09	0.0085	8.57	8.27	8.5	8.15	6.70	294.77
Net debt, bln $																							-0.7146	-0.4998	-0.5306	-0.3311	-0.2953	-0.3018	-0.2918	-0.3207	-0.4828	-0.4505	-0.3695	8.34
Debt, bln $																						2.63	2.56										2.59	-1.34
Interest Income $													0.027	0.0134	0.0035	0.0545	0.0677																0.0332	20.18
Interest Expense, bln $					0.0348	0.0352	0.037	0.0327	0.0377	0.033	0.046	0.0381														0.0061	0.2198						0.0686	46.12
Goodwill $																				0.0139	0.0139	0.0139	0.0139	0.0139	0.0139	0.0139	0.0139	0.0139			0.0139		0.0139	0.00
Amortization, bln $																							0.0032	0.0034	0.0035	0.0037	0.0037	0.0025	0.0026	0.0023	0.0099	0.0024	0.0039	-0.81
Cost of production, bln $																	0.0043		0.1046	0.0129				0.0129	0.0098	0.0087			0.0425	0.0118	0.0215	0.0258	0.0221	24.29
Inventory $																							7.92	7.85	7.4	5.35	4.69	6.47	6.1	1.33	9.14	9.02	6.41	6.87

Share

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Average for 5 years	CAGR 5
EPS	25.94	29.46	25.67	33.02	36.2	25.39	49.69	28.6	26.71			26.71	33.32	-5.90
Share price			326.63	311.05	272.39	208.54	221.93	281	483.02	499.98	499.98	499.98	397.18	17.64
Number of shares, mln	3.44	3.44	3.44	3.54	3.64	3.64	3.64	3.54	3.54			3.54	3.60	-0.56
FCF/share	100.71	75.31	77.71	91.48	89.71	99.28	73.39	100.95	70.74			70.66	86.81	-4.64

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2025Q1	2025Q2	Average for 5 quarters	CAGR 5
EPS		8.15	10.23	8.7	6.15	3.52	3.48	8.38	3.8	-3.46	20.82			6.60	43.01
Share price			213.5	204.64	194.67	213.26	260.62	318.62	439.51	475.72		499.98	499.98	446.76	9.43
Number of shares, mln	3.64	3.64	3.64	3.64	3.64	3.54	3.54	3.54	3.54	3.54				3.54	0.00
FCF/share		76.36	19.84	18.26	26.05	34.02	13.01	20	22.79	14.93	29.36			20.02	17.68

	Average for 5 quarters	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
ROE, %		6.1	5.86	6.03	6.26	6.53	3.96	7.11	4.45	4.25			3.87	-47.34	5.26	-8.23
ROA, %		0.8473	0.8482	0.9032	0.9667	1.08	0.6787	1.25	0.7375	0.7856			0.8633	10.67	0.9064	-6.17
ROIC, %						1.06	0.7031	3.57						6.57	1.78	49.90
ROS, %				12.63	21.17	16.07	13.29	21.92	18.11	13.52	13.52	13.52	13.52	26.44	16.12	-9.21
ROCE, %			8.88	7.89	1.19	1.32	3	1.71	2.45	1.09		5.55	5.55	-61.28	2.76	13.09
EBIT margin						18.03	13.46	24.87	57.3	19.4		19.4	19.4	33.41	26.89	7.58
EBITDA margin			23.58	17.68	27.8	21.54	17.84	29.15	59.87	20.82		20.82	20.82	37.49	29.70	3.14
Net margin		16.68	14.79	12.63	21.17	16.07	13.29	21.92	18.11	13.52			13.52	26.43	16.58	-3.40
Operational efficiency, %				16.53	25.65	18.03	13.46	24.87	57.3	20.82	20.82	20.82	20.82	31.91	28.93	-3.49
FCF yield, %	37.29	41.12	34.15	23.79	30.27	32.93	47.6	33.07	48.9	18.9					36.28	-10.51

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
ROE, %		1.13	1.45	1.27	0.9482	0.578	0.5335	1.4	0.6186	-0.5406	3.14			-47.34	1.03	42.55
ROA, %		0.2011	0.257	0.2268	0.164	0.0944	0.0963	0.2349	0.1095	-0.1064	0.6821			10.67	0.2033	47.93
ROIC, %	0.7933	0.5896												6.57	0.6915	-13.79
ROS, %				26.26	15.13	7.63	8.06	15.92	8.57	-5.97	37.53	13.52	13.52	26.44	13.43	9.55
ROCE, %				0.2839	0.6919	1.77	0.1197	0.2233	0.0803	1.5E-5	0.3885	5.55	5.55	-61.28	2.31	133.30
EBIT margin							10.02	16.97	7.07	0.000975	25.88	19.4	19.4	33.41	14.35	22.37
EBITDA margin				35.13	66.67	146.19	11.69	18.35	8.57	4.83	27.11	20.82	20.82	37.49	16.43	19.43
Net margin		13.3	26.94	26.26	15.13	7.63	8.06	15.92	8.57	-5.97	37.53			26.43	12.82	36.02
Operational efficiency, %				32.18	64.1	143.9	10.02	14.43	8.57	0.000975	27.11	20.82	20.82	31.91	15.46	19.43
FCF yield, %	-1.49	35.1	9.29	8.92	13.38	16.4	4.99	6.28	5.19	3.14					7.20	-28.15

	Industry average	Average for 5 quarters	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
P/E	8.56	7.52	10.16	9.16	7.64	8.13	4.31	9.06	18.09			18.09	25.86	9.45	18.81
P/BV	0.5224	0.4404	0.6125	0.5628	0.4727	0.2955	0.3068	0.4568	0.7003			0.7003	-12.42	0.4464	8.18
P/S	1.43	1.11	1.28	1.94	1.23	1.08	0.9456	1.64	2.45			2.45	6.65	1.47	14.78
P/FCF			4.2	3.3	3.04	2.1	3.02	2.05	4.12	5.88	5.88	5.88	19.35	4.19	14.25
E/P			0.0984	0.1092	0.1329	0.1217	0.2239	0.1386	0.0713	0.0642	0.0642	0.0642	0.05	0.1124	-22.11
EV/EBIT					4.91	1.59	0.2108	1.94	9.05	9.05	9.05	9.05	20.36	5.86	112.11
EV/EBITDA				72.84	4.27	1.37	4.75	1.86	8.43			8.43	17.58	4.14	14.57
EV/S					0.8849	0.2143	3.22	1.11	1.76	1.76	1.76	1.76	6.87	1.92	-11.38
EV/FCF					2.22	0.4125	9.95	1.74	4.9	4.9	4.9	4.9	24.70	5.28	-13.21
Debt/EBITDA				66.73	59.31	86.88	4.48		0.0027	0.0063	0.0063	0.0063	1.93	18.28	-85.14
Netdebt/Ebitda			-1.41	-0.8607	-1.6	-5.51	-3.28	-0.8832	-3.32	-3.32	-3.32	-3.32	0.97	-2.8246	0.24
Debt/Ratio					0.8335	0.7353	0.1788		7.0E-5	8.4E-5	8.4E-5	8.4E-5	0.40	0.1829	-83.72
Debt/Equity					4.92	4.24	1.01		0.000116	0.000116	3.48	3.48	-1.48	1.75	-3.87
Debt/Net Income					79.5	116.68	14.18		0.0091	0.0097	0.0097	0.0097	3.28	26.18	-84.73
PEG											0.136	0.136	2.52	0.1360	0.00
Beta									0.4168	0	0	0	0.34	0.4168	0.00
Altman Index					-0.1471				-15.85	-9.55	-9.55	-9.55	42.85	-8.7743	183.86

	2019Q4	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2025Q1	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
P/E			27.46	5.1	5.57	5.28	9.32	11.11	17.2	23.26	-137.51	16.61				25.86	-13.8660	8.38
P/BV			0.3115	0.3434	0.3607	0.3204	0.4697	0.0659	0.3341	0.416	0.7003	0.6946				-12.42	0.4422	60.17
P/S			3.65	1.08	1.21	1.01	1.69	1.48	2.02	2.4	2.44	2.33				6.65	2.13	9.50
P/FCF				10.76	11.21	7.47	6.1	20.03	15.93	19.28	31.86			5.88	5.88	19.35	15.77	-18.07
E/P				0.0466	0.0413	0.0307	0.0165	0.0134	0.0263	0.0086	-0.0073			0.0642	0.0642	0.05	0.0312	19.54
EV/EBIT								35.34	31.89	113.36	612941.11	25.3		9.05	9.05	20.36	122619.57	-39.68
EV/EBITDA			67.23	1.39	1.23	1.28	1.53	30.3	2.61	4.14	16.27	11.6				17.58	12.98	-17.47
EV/S		18.56	12.18					3.54	5.41	8.02	5.98	6.55		1.76	1.76	6.87	4.81	-26.16
EV/FCF		-244.91	9.51					11.75	14.25	15.59	23.22	12.37		4.9	4.9	24.70	12.20	-20.66
Debt/EBITDA		49.22	65.28											0.0063	0.0063	1.93	28.63	-89.36
Netdebt/Ebitda					-12.89	-3.45	-1.24	-16.92	-8.54	-23.89	-48.77	-8.47		-3.32	-3.32	0.97	-17.5540	-32.61
Debt/Ratio		0.1821	0.1788											8.4E-5	8.4E-5	0.40	0.0903	-85.34
Debt/Equity		1.03	1.01											3.48	3.48	-1.48	2.25	35.58
Debt/Net Income		65.91	88.95											0.0097	0.0097	3.28	38.72	-88.99
PEG														0.136	0.136	2.52	0.1360	0.00
Beta													0	0		0.34
Altman Index	-0.2342												-9.55	-9.55	-9.55	42.85	-7.2211	152.70

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2025	LTM	Industry average	Average for 5 years	CAGR 5
Div. payout, bln	0.0013	0.0013	0.0013	0.0013	0.0013	0.0013	0.0013	0.0013	0.0013		0.0013		0.0013	0.00
Dividend	0.36	0.36	0.36	0.36	0.36	0.36	0.36	0.36	0.36		0		0.3600	0.00
Dividend yield, %	0.1366	0.1335	0.1049	0.1172	0.1427	0.1829	0.1714	0.1684	0.0752		0	1.81	0.1481	-12.03
Dividends / profit, %	1.29	1.26	1.15	1.09	0.9672	1.38	0.704	1.26	1.35		1.35	56.58	1.13	6.90
Dividend coverage ratio										72.64	72.64	32.92	72.64	0.00

	2014Q4	2015Q4	2016Q4	2017Q4	2018Q4	2019Q4	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q3	2022Q4	2023Q4	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
Div. payout, bln							0.0013	0.0013	0.0013	0.0013	0.0013	0.0013	0.0013	0.0013	0.0013	0.0013				0.0013	0.00
Dividend	0.36	0.36	0.36	0.36	0.36	0.36			0.36				0.36		0.36	0.36				0.3600	0.00
Dividend yield, %	0.14	0.1414	0.1433	0.1031	0.123	0.1344			0.1855				0.1655		0.1688	0.0757			1.81	0.1460	-10.85
Dividends / profit, %							2.63	11.76	3.62	2.05	2.55	3.19	4.41	5.85	10.25	-10.41			56.58	2.66	-226.69
Dividend coverage ratio																	72.64	72.64	32.92	72.64	0.00

Other

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	CAGR 5
CAPEX/Revenue, %	0.3472	1.74	1.21	0.2855	0.7966		18.07
Staff, people					283	351	11.37

	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	CAGR 5
CAPEX/Revenue, %	0.6782	0.2997	0.4002	1.63	0.1647	-24.65

	CAGR 5

Investing Port

National Western Life Group, Inc.

Reporting National Western Life Group, Inc.

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