Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.17
PL's Cash to Debt is ranked higher than
62% of the 136 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.10 vs. PL: 0.17 )
PL' s 10-Year Cash to Debt Range
Min: 0.05   Max: 0.67
Current: 0.17

0.05
0.67
Equity to Asset 0.05
PL's Equity to Asset is ranked higher than
68% of the 147 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.06 vs. PL: 0.05 )
PL' s 10-Year Equity to Asset Range
Min: 0.02   Max: 0.08
Current: 0.05

0.02
0.08
Interest Coverage 3.45
PL's Interest Coverage is ranked higher than
66% of the 122 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.33 vs. PL: 3.45 )
PL' s 10-Year Interest Coverage Range
Min: 2.21   Max: 13.58
Current: 3.45

2.21
13.58
F-Score: 6
Z-Score: 0.17
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 14.91
PL's Operating margin (%) is ranked higher than
90% of the 146 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.21 vs. PL: 14.91 )
PL' s 10-Year Operating margin (%) Range
Min: -3   Max: 19.37
Current: 14.91

-3
19.37
Net-margin (%) 9.94
PL's Net-margin (%) is ranked higher than
91% of the 148 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.80 vs. PL: 9.94 )
PL' s 10-Year Net-margin (%) Range
Min: -1.67   Max: 11.8
Current: 9.94

-1.67
11.8
ROE (%) 10.59
PL's ROE (%) is ranked higher than
84% of the 148 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.65 vs. PL: 10.59 )
PL' s 10-Year ROE (%) Range
Min: -5.5   Max: 26.04
Current: 10.59

-5.5
26.04
ROA (%) 0.57
PL's ROA (%) is ranked higher than
75% of the 148 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.58 vs. PL: 0.57 )
PL' s 10-Year ROA (%) Range
Min: -0.11   Max: 1.19
Current: 0.57

-0.11
1.19
ROC (Joel Greenblatt) (%) 1126.60
PL's ROC (Joel Greenblatt) (%) is ranked higher than
96% of the 121 Companies
in the Global Insurance - Life industry.

( Industry Median: 275.16 vs. PL: 1126.60 )
PL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -189.21   Max: 1126.6
Current: 1126.6

-189.21
1126.6
Revenue Growth (%) 11.50
PL's Revenue Growth (%) is ranked higher than
89% of the 134 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.10 vs. PL: 11.50 )
PL' s 10-Year Revenue Growth (%) Range
Min: -6.1   Max: 15.1
Current: 11.5

-6.1
15.1
EBITDA Growth (%) 23.40
PL's EBITDA Growth (%) is ranked higher than
93% of the 123 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.60 vs. PL: 23.40 )
PL' s 10-Year EBITDA Growth (%) Range
Min: -84.6   Max: 552.3
Current: 23.4

-84.6
552.3
EPS Growth (%) 23.70
PL's EPS Growth (%) is ranked higher than
92% of the 121 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.50 vs. PL: 23.70 )
PL' s 10-Year EPS Growth (%) Range
Min: -14.1   Max: 23.7
Current: 23.7

-14.1
23.7
» PL's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2013

PL Guru Trades in Q2 2013

John Keeley 678,390 sh (+1008.66%)
Steven Cohen 70,111 sh (+106.73%)
Richard Snow 71,595 sh (+23.44%)
Jim Simons 173,151 sh (+21.77%)
Ken Fisher 1,800,489 sh (+1%)
Jeremy Grantham 24,896 sh (-1.21%)
John Buckingham 212,698 sh (-8.88%)
John Hussman 225,000 sh (-10%)
David Dreman 699,665 sh (-37.35%)
Chuck Royce 30,929 sh (-40.21%)
Richard Pzena 483,264 sh (-43.09%)
» More
Q3 2013

PL Guru Trades in Q3 2013

John Hussman 350,000 sh (+55.56%)
John Keeley 855,210 sh (+26.06%)
Richard Snow 89,740 sh (+25.34%)
Ken Fisher 1,798,834 sh (-0.09%)
Richard Pzena 431,414 sh (-10.73%)
Jim Simons 131,200 sh (-24.23%)
Jeremy Grantham 16,337 sh (-34.38%)
John Buckingham 138,224 sh (-35.01%)
Chuck Royce 18,032 sh (-41.7%)
Steven Cohen 24,642 sh (-64.85%)
David Dreman 199,597 sh (-71.47%)
» More
Q4 2013

PL Guru Trades in Q4 2013

Columbia Wanger 775,000 sh (New)
David Dreman 217,864 sh (+9.15%)
Richard Snow 97,810 sh (+8.99%)
John Buckingham 139,695 sh (+1.06%)
Jim Simons Sold Out
Jeremy Grantham 16,059 sh (-1.7%)
Ken Fisher 1,746,199 sh (-2.93%)
John Keeley 811,410 sh (-5.12%)
Chuck Royce 9,432 sh (-47.69%)
John Hussman 131,000 sh (-62.57%)
Richard Pzena 153,948 sh (-64.32%)
Steven Cohen 4,045 sh (-83.58%)
» More
Q1 2014

PL Guru Trades in Q1 2014

Ken Fisher 1,711,264 sh (-2%)
» More
» Details

Insider Trades

Latest Guru Trades with PL

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Hussman 2013-12-31 Reduce -62.57%0.51%$42.42 - $51.09 $ 51.099%131000
David Dreman 2013-09-30 Reduce -71.47%0.61%$38.78 - $45.05 $ 51.0919%199597
John Hussman 2013-09-30 Add 55.56%0.29%$38.78 - $45.05 $ 51.0919%350000
John Keeley 2013-09-30 Add 26.06%0.14%$38.78 - $45.05 $ 51.0919%855210
John Keeley 2013-06-30 Add 1008.66%0.47%$34.67 - $39.33 $ 51.0935%678390
David Dreman 2013-06-30 Reduce -37.35%0.41%$34.67 - $39.33 $ 51.0935%699665
John Hussman 2013-03-31 Reduce -50%0.19%$28.58 - $35.86 $ 51.0958%250000
John Keeley 2013-03-31 Add 27.51%0.01%$28.58 - $35.86 $ 51.0958%61190
John Hussman 2012-09-30 New Buy0.32%$26.1 - $30.01 $ 51.0980%500000
Ray Dalio 2011-12-31 Sold Out 0.14%$14.25 - $22.6 $ 51.09158%0
Ray Dalio 2011-09-30 Add 291.31%0.1%$15.17 - $23.54 $ 51.09168%590688
John Keeley 2011-03-31 Add 23.04%$25.59 - $29.49 $ 51.0984%28840
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 10.40
PL's P/E(ttm) is ranked higher than
91% of the 137 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.20 vs. PL: 10.40 )
PL' s 10-Year P/E(ttm) Range
Min: 4.85   Max: 80.25
Current: 10.4

4.85
80.25
P/B 1.10
PL's P/B is ranked higher than
81% of the 147 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.51 vs. PL: 1.10 )
PL' s 10-Year P/B Range
Min: 0.29   Max: 1.74
Current: 1.1

0.29
1.74
P/S 1.04
PL's P/S is ranked higher than
60% of the 149 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.87 vs. PL: 1.04 )
PL' s 10-Year P/S Range
Min: 0.09   Max: 1.66
Current: 1.04

0.09
1.66
PFCF 8.50
PL's PFCF is ranked higher than
61% of the 130 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.54 vs. PL: 8.50 )
PL' s 10-Year PFCF Range
Min: 0.18   Max: 57.27
Current: 8.5

0.18
57.27
EV-to-EBIT 12.00
PL's EV-to-EBIT is ranked higher than
71% of the 133 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.90 vs. PL: 12.00 )
PL' s 10-Year EV-to-EBIT Range
Min: 8.2   Max: 114.5
Current: 12

8.2
114.5
PEG 1.10
PL's PEG is ranked higher than
73% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.20 vs. PL: 1.10 )
PL' s 10-Year PEG Range
Min: 0.15   Max: 1.63
Current: 1.1

0.15
1.63
Shiller P/E 16.90
PL's Shiller P/E is ranked higher than
79% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.35 vs. PL: 16.90 )
PL' s 10-Year Shiller P/E Range
Min: 1.04   Max: 17.81
Current: 16.9

1.04
17.81

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.57
PL's Dividend Yield is ranked lower than
59% of the 127 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.20 vs. PL: 1.57 )
PL' s 10-Year Dividend Yield Range
Min: 1.45   Max: 22.19
Current: 1.57

1.45
22.19
Dividend Payout 0.16
PL's Dividend Payout is ranked higher than
85% of the 110 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.33 vs. PL: 0.16 )
PL' s 10-Year Dividend Payout Range
Min: 0.14   Max: 0.37
Current: 0.16

0.14
0.37
Dividend growth (3y) 13.00
PL's Dividend growth (3y) is ranked higher than
79% of the 82 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.60 vs. PL: 13.00 )
PL' s 10-Year Dividend growth (3y) Range
Min: -17   Max: 13.4
Current: 13

-17
13.4
Yield on cost (5-Year) 2.96
PL's Yield on cost (5-Year) is ranked lower than
52% of the 128 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.25 vs. PL: 2.96 )
PL' s 10-Year Yield on cost (5-Year) Range
Min: 2.68   Max: 41.06
Current: 2.96

2.68
41.06
Share Buyback Rate 2.60
PL's Share Buyback Rate is ranked higher than
93% of the 122 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.50 vs. PL: 2.60 )
PL' s 10-Year Share Buyback Rate Range
Min: 2.6   Max: -7
Current: 2.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
PL's Price/Tangible Book is ranked higher than
82% of the 131 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.75 vs. PL: 1.10 )
PL' s 10-Year Price/Tangible Book Range
Min: 0.5   Max: 3.41
Current: 1.1

0.5
3.41
Price/DCF (Projected) 0.40
PL's Price/DCF (Projected) is ranked higher than
83% of the 104 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.38 vs. PL: 0.40 )
PL' s 10-Year Price/DCF (Projected) Range
Min: 0.13   Max: 0.48
Current: 0.4

0.13
0.48
Price/Median PS Value 1.10
PL's Price/Median PS Value is ranked higher than
70% of the 134 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.02 vs. PL: 1.10 )
PL' s 10-Year Price/Median PS Value Range
Min: 0.43   Max: 1.95
Current: 1.1

0.43
1.95
Price/Graham Number 0.70
PL's Price/Graham Number is ranked higher than
86% of the 123 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.99 vs. PL: 0.70 )
PL' s 10-Year Price/Graham Number Range
Min: 0.36   Max: 1.72
Current: 0.7

0.36
1.72
Earnings Yield (Greenblatt) 8.30
PL's Earnings Yield (Greenblatt) is ranked higher than
76% of the 140 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.40 vs. PL: 8.30 )
PL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 12.1
Current: 8.3

0.9
12.1
Forward Rate of Return (Yacktman) 18.11
PL's Forward Rate of Return (Yacktman) is ranked higher than
80% of the 123 Companies
in the Global Insurance - Life industry.

( Industry Median: 21.19 vs. PL: 18.11 )
PL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 18.6   Max: 127.8
Current: 18.11

18.6
127.8

Business Description

Industry: Insurance - Life » Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF » details
Traded in other countries:PV7.Germany
Protective Life Corporation, a Delaware corporation was founded in 1907. It is a holding company, whose subsidiaries provide financial services through the production, distribution, and administration of insurance and investment products. The Company's operating segments are Life Marketing, Acquisitions, Annuities, Stable Value Products and Asset Protection. The Life Marketing segment markets universal life, variable universal life, bank-owned life insurance and level premium term insurance products on a national basis mainly through networks of independent insurance agents and brokers, stockbrokers, and independent marketing organizations. The Acquisitions segment focuses on acquiring, converting, and servicing policies acquired from other companies. The segment's main focus is on life insurance policies and annuity products that were sold to individuals. The Annuities segment markets fixed and variable annuity products. These products are mainly sold through broker-dealers, but are also sold through financial institutions and independent agents and brokers. The Stable Value Products segment sells fixed and floating rate funding agreements directly to the trustees of municipal bond proceeds, money market funds, bank trust departments, and other institutional investors. The segment also issues funding agreements to the Federal Home Loan Bank and markets guaranteed investment contracts (GICs) to 401(k) and other qualified retirement savings plans. The Asset Protection segment mainly markets extended service contracts and credit life and disability insurance to protect consumers' investments in automobiles, watercraft, and recreational vehicles. In addition, the segment markets a guaranteed asset protection product and an inventory protection product. The Company has an additional segment referred to as Corporate and Other which earnings from several non-strategic or runoff lines of business, various investment-related transactions, the operations of several small subsidiaries, and the repurchase of non-recourse funding obligations. On April 29, 2011, PLICO closed a previously announced reinsurance transaction with Liberty Life Insurance Company ('Liberty Life') under the terms of which PLICO reinsured substantially all of the life and health business of Liberty Life. The Company encounters competition in all lines of business from other insurance companies, many of which have greater financial resources and higher ratings than the Company and which might have a greater market share, offer a range of products, services or features, assume a greater level of risk, have lower operating or financing costs, or have different profitability expectations than the Company. The Company also faces competition from other providers of financial services. The Company and its subsidiaries are subject to government regulation in each of the states in which it conducts business.

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK
Hide