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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 0.11
PL's Cash to Debt is ranked lower than
96% of the 72 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.22 vs. PL: 0.11 )
Ranked among companies with meaningful Cash to Debt only.
PL' s 10-Year Cash to Debt Range
Min: 0.03  Med: 0.11 Max: 0.67
Current: 0.11
0.03
0.67
Equity to Asset 0.07
PL's Equity to Asset is ranked lower than
55% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.08 vs. PL: 0.07 )
Ranked among companies with meaningful Equity to Asset only.
PL' s 10-Year Equity to Asset Range
Min: 0.02  Med: 0.07 Max: 0.09
Current: 0.07
0.02
0.09
Interest Coverage 3.45
PL's Interest Coverage is ranked lower than
81% of the 59 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.97 vs. PL: 3.45 )
Ranked among companies with meaningful Interest Coverage only.
PL' s 10-Year Interest Coverage Range
Min: 2.21  Med: 3.45 Max: 13.58
Current: 3.45
2.21
13.58
F-Score: 6
Z-Score: 0.21
WACC vs ROIC
2.76%
6.60%
WACC
ROIC
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 (%) 14.32
PL's Operating margin (%) is ranked higher than
74% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.15 vs. PL: 14.32 )
Ranked among companies with meaningful Operating margin (%) only.
PL' s 10-Year Operating margin (%) Range
Min: -3  Med: 14.02 Max: 19.37
Current: 14.32
-3
19.37
Net-margin (%) 9.52
PL's Net-margin (%) is ranked higher than
70% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.54 vs. PL: 9.52 )
Ranked among companies with meaningful Net-margin (%) only.
PL' s 10-Year Net-margin (%) Range
Min: -1.67  Med: 9.49 Max: 11.8
Current: 9.52
-1.67
11.8
ROE (%) 10.16
PL's ROE (%) is ranked higher than
51% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.14 vs. PL: 10.16 )
Ranked among companies with meaningful ROE (%) only.
PL' s 10-Year ROE (%) Range
Min: -2.6  Med: 11.52 Max: 17.12
Current: 10.16
-2.6
17.12
ROA (%) 0.63
PL's ROA (%) is ranked lower than
57% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.66 vs. PL: 0.63 )
Ranked among companies with meaningful ROA (%) only.
PL' s 10-Year ROA (%) Range
Min: -0.1  Med: 0.84 Max: 1.24
Current: 0.63
-0.1
1.24
ROC (Joel Greenblatt) (%) 1222.48
PL's ROC (Joel Greenblatt) (%) is ranked higher than
87% of the 61 Companies
in the Global Insurance - Life industry.

( Industry Median: 260.72 vs. PL: 1222.48 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
PL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -182.13  Med: 845.72 Max: 1180.63
Current: 1222.48
-182.13
1180.63
Revenue Growth (3Y)(%) 11.50
PL's Revenue Growth (3Y)(%) is ranked higher than
53% of the 64 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 vs. PL: 11.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PL' s 10-Year Revenue Growth (3Y)(%) Range
Min: -6.1  Med: 6.10 Max: 15.1
Current: 11.5
-6.1
15.1
EBITDA Growth (3Y)(%) 23.40
PL's EBITDA Growth (3Y)(%) is ranked higher than
79% of the 63 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.40 vs. PL: 23.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PL' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -10.70 Max: 552.3
Current: 23.4
0
552.3
EPS Growth (3Y)(%) 23.70
PL's EPS Growth (3Y)(%) is ranked higher than
72% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.50 vs. PL: 23.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PL' s 10-Year EPS Growth (3Y)(%) Range
Min: -14.1  Med: 7.00 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 2014

PL Guru Trades in Q2 2014

Mario Gabelli 1,185,383 sh (New)
Caxton Associates 52,770 sh (New)
Jim Simons 190,300 sh (New)
Jeremy Grantham 57,100 sh (+296.53%)
RS Investment Management Sold Out
John Keeley Sold Out
Richard Pzena Sold Out
John Buckingham 138,995 sh (-1.32%)
David Dreman 214,099 sh (-2.11%)
Richard Snow 35,600 sh (-65.22%)
Ken Fisher 545,238 sh (-68.14%)
Columbia Wanger 100,000 sh (-87.10%)
» More
Q3 2014

PL Guru Trades in Q3 2014

Caxton Associates 99,505 sh (+88.56%)
Mario Gabelli 1,418,300 sh (+19.65%)
Jim Simons Sold Out
Ken Fisher Sold Out
Columbia Wanger Sold Out
Richard Snow Sold Out
John Buckingham Sold Out
Jeremy Grantham Sold Out
David Dreman 213,984 sh (-0.05%)
» More
Q4 2014

PL Guru Trades in Q4 2014

Jim Simons 266,200 sh (New)
Caxton Associates 152,082 sh (+52.84%)
Mario Gabelli 1,589,700 sh (+12.08%)
David Dreman 218,375 sh (+2.05%)
Mario Gabelli 1,944,601 sh (unchged)
Mario Gabelli 1,944,601 sh (unchged)
» More
Q1 2015

PL Guru Trades in Q1 2015

David Dreman Sold Out
Caxton Associates Sold Out
Jim Simons Sold Out
Mario Gabelli Sold Out
Mario Gabelli Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with PL

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Guru Investment Theses on Protective Life Corp

KEELEY Small Cap Dividend Value Fund Comments on Protective Life Corp - Jul 30, 2014

The top performing position during the quarter was Protective Life Corporation (PL) which climbed over 31 percent and added 85 basis points of performance to the Fund during the second quarter. Shares rose in June when Japan’s Dai-ichi Life Insurance Co. agreed to buy Protective Life for $5.7 billion. This deal was the largest ever by a Japanese insurer and we elected to sell the position soon after the announcement.

From John Keeley (Trades, Portfolio)’s KEELEY Small Cap Dividend Value Fund Second Quarter 2014 Commentary.

Check out John Keeley latest stock trades

Top Ranked Articles about Protective Life Corp

Weekly CEO Sells Highlight: Protective Life Corp, Western Refining Inc, InterMune Inc, and Tableau Software Inc.
According to GuruFocus Insider Data, these are the largest CEO sales during the past week: Protective Life Corp, Western Refining Inc, InterMune Inc, and Tableau Software Inc. Read more...
KEELEY Small Cap Dividend Value Fund Comments on Protective Life Corp
The top performing position during the quarter was Protective Life Corporation (PL) which climbed over 31 percent and added 85 basis points of performance to the Fund during the second quarter. Shares rose in June when Japan’s Dai-ichi Life Insurance Co. agreed to buy Protective Life for $5.7 billion. This deal was the largest ever by a Japanese insurer and we elected to sell the position soon after the announcement. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 13.20
PL's P/E(ttm) is ranked higher than
63% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.20 vs. PL: 13.20 )
Ranked among companies with meaningful P/E(ttm) only.
PL' s 10-Year P/E(ttm) Range
Min: 4.85  Med: 11.09 Max: 80.25
Current: 13.2
4.85
80.25
Forward P/E 12.17
PL's Forward P/E is ranked higher than
51% of the 51 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.17 vs. PL: 12.17 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.20
PL's PE(NRI) is ranked higher than
63% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.20 vs. PL: 13.20 )
Ranked among companies with meaningful PE(NRI) only.
PL' s 10-Year PE(NRI) Range
Min: 4.85  Med: 10.77 Max: 80.6
Current: 13.2
4.85
80.6
P/B 1.17
PL's P/B is ranked higher than
53% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.23 vs. PL: 1.17 )
Ranked among companies with meaningful P/B only.
PL' s 10-Year P/B Range
Min: 0.29  Med: 1.09 Max: 1.74
Current: 1.17
0.29
1.74
P/S 1.26
PL's P/S is ranked lower than
66% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.03 vs. PL: 1.26 )
Ranked among companies with meaningful P/S only.
PL' s 10-Year P/S Range
Min: 0.09  Med: 0.96 Max: 1.66
Current: 1.26
0.09
1.66
PFCF 8.60
PL's PFCF is ranked lower than
63% of the 46 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.56 vs. PL: 8.60 )
Ranked among companies with meaningful PFCF only.
PL' s 10-Year PFCF Range
Min: 0.18  Med: 4.04 Max: 57.27
Current: 8.6
0.18
57.27
POCF 8.59
PL's POCF is ranked lower than
71% of the 65 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.24 vs. PL: 8.59 )
Ranked among companies with meaningful POCF only.
PL' s 10-Year POCF Range
Min: 0.18  Med: 3.93 Max: 50.4
Current: 8.59
0.18
50.4
EV-to-EBIT 12.21
PL's EV-to-EBIT is ranked lower than
65% of the 69 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.53 vs. PL: 12.21 )
Ranked among companies with meaningful EV-to-EBIT only.
PL' s 10-Year EV-to-EBIT Range
Min: -167.9  Med: 9.90 Max: 92.6
Current: 12.21
-167.9
92.6
PEG 1.40
PL's PEG is ranked lower than
57% of the 35 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.10 vs. PL: 1.40 )
Ranked among companies with meaningful PEG only.
PL' s 10-Year PEG Range
Min: 0.16  Med: 0.45 Max: 1.35
Current: 1.4
0.16
1.35
Shiller P/E 18.56
PL's Shiller P/E is ranked lower than
56% of the 57 Companies
in the Global Insurance - Life industry.

( Industry Median: 17.40 vs. PL: 18.56 )
Ranked among companies with meaningful Shiller P/E only.
PL' s 10-Year Shiller P/E Range
Min: 1.04  Med: 12.11 Max: 21.3
Current: 18.56
1.04
21.3
Days Sales Outstanding 11.44
PL's Days Sales Outstanding is ranked higher than
83% of the 35 Companies
in the Global Insurance - Life industry.

( Industry Median: 34.01 vs. PL: 11.44 )
Ranked among companies with meaningful Days Sales Outstanding only.
PL' s 10-Year Days Sales Outstanding Range
Min: 8.14  Med: 14.61 Max: 671.5
Current: 11.44
8.14
671.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.30
PL's Dividend Yield is ranked lower than
117% of the 93 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.39 vs. PL: 1.30 )
Ranked among companies with meaningful Dividend Yield only.
PL' s 10-Year Dividend Yield Range
Min: 1.21  Med: 2.00 Max: 22.19
Current: 1.3
1.21
22.19
Dividend Payout 0.17
PL's Dividend Payout is ranked higher than
77% of the 79 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.30 vs. PL: 0.17 )
Ranked among companies with meaningful Dividend Payout only.
PL' s 10-Year Dividend Payout Range
Min: 0.08  Med: 0.21 Max: 0.45
Current: 0.17
0.08
0.45
Dividend growth (3y) 13.00
PL's Dividend growth (3y) is ranked higher than
54% of the 50 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.40 vs. PL: 13.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
PL' s 10-Year Dividend growth (3y) Range
Min: -17  Med: 8.70 Max: 13.4
Current: 13
-17
13.4
Yield on cost (5-Year) 2.41
PL's Yield on cost (5-Year) is ranked lower than
96% of the 93 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.05 vs. PL: 2.41 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PL' s 10-Year Yield on cost (5-Year) Range
Min: 2.24  Med: 3.70 Max: 41.06
Current: 2.41
2.24
41.06
Share Buyback Rate 2.60
PL's Share Buyback Rate is ranked higher than
83% of the 54 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.20 vs. PL: 2.60 )
Ranked among companies with meaningful Share Buyback Rate only.
PL' s 10-Year Share Buyback Rate Range
Min: 2.6  Med: -1.95 Max: -7
Current: 2.6

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) (%) 8.20
PL's Earnings Yield (Greenblatt) (%) is ranked lower than
59% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.80 vs. PL: 8.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PL' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.1  Med: 9.90 Max: 14.2
Current: 8.2
1.1
14.2
Forward Rate of Return (Yacktman) (%) 24.11
PL's Forward Rate of Return (Yacktman) (%) is ranked higher than
64% of the 56 Companies
in the Global Insurance - Life industry.

( Industry Median: 17.64 vs. PL: 24.11 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PL' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 16.7  Med: 39.50 Max: 352.8
Current: 24.11
16.7
352.8

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. 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, Asset Protection and Corporate and Other. 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. 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 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.
» More Articles for PL

Headlines

Articles On GuruFocus.com
Weekly CEO Sells Highlight: Achillion Pharmaceutical Inc, Protective Life Corp, Host Hotels & Resort Aug 25 2014 
Weekly CEO Sells Highlight: Protective Life Corp, Western Refining Inc, InterMune Inc, and Tableau S Aug 18 2014 
CEO of PL Receives Nearly $14 Million for Stock Holdings Aug 15 2014 
Mario Gabelli's Top New Buys Aug 06 2014 
KEELEY Small Cap Dividend Value Fund Comments on Protective Life Corp Jul 30 2014 
comment on PL Oct 29 2012 
comment on PL Oct 22 2012 
comment on PL Oct 08 2012 
Weekly Guru Bargains Highlights: EEQ, SID, CLWR, PL, TX Jun 27 2011 
Notable Dividend Hikes: RBCAA, TWGP, NHC, PL, MCGC May 09 2011 

More From Other Websites
Bulls Disappointed Gold Only Gained a Fraction Reacting to Greece Jun 29 2015
10-Q for Protective Life Corp. May 11 2015
Protective Announces Notice of Redemption Mar 07 2015
Dai-ichi, Protective announce another $700K in nonprofit gifts Feb 24 2015
Dai-ichi commits $23 million over five years in charitable giving Feb 23 2015
Protective Announces Completion of Acquisition By Dai-ichi Life Feb 01 2015
Protective Announces Completion of Acquisition By Dai-ichi Life Feb 01 2015
Protective Announces Completion of Acquisition By Dai-ichi Life Feb 01 2015
StanCorp Q4 Earnings Beat Yet Fall Y/Y; 2015 Guidance - Analyst Blog Jan 30 2015
Akorn Set to Join the S&P MidCap 400; United Insurance Holdings, ANI Pharmaceuticals to Join the S&P... Jan 27 2015
Dai-ichi, Protective Life Merger Gets Final Nod from Agencies - Analyst Blog Jan 26 2015
Announcement Regarding Fulfillment of Conditions Precedent for 100% Ownership acquirement of... Jan 22 2015
Dai-ichi Receives Regulatory Approvals for Protective Acquisition Jan 22 2015
Dai-ichi Receives Regulatory Approvals for Protective Acquisition Jan 22 2015
Dai-ichi Receives Regulatory Approvals for Protective Acquisition Jan 22 2015
Lincoln National's Capital Stable, Economic Woes a Concern - Analyst Blog Jan 15 2015
American Equity Ratings and Outlook Retained by A.M. Best - Analyst Blog Jan 15 2015
Announcement Regarding the Timing of 100% Ownership Acquirement of Protective Life Corporation Jan 02 2015
Announcement Regarding the Timing of 100% Ownership Acquirement of Protective Life Corporation Dec 15 2014
Protective Update Regarding Dai-ichi Transaction Dec 15 2014

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