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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 0.13
PL's Cash to Debt is ranked higher than
63% of the 147 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.19 vs. PL: 0.13 )
PL' s 10-Year Cash to Debt Range
Min: 0.03   Max: 0.67
Current: 0.13

0.03
0.67
Equity to Asset 0.06
PL's Equity to Asset is ranked higher than
75% of the 154 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.06 vs. PL: 0.06 )
PL' s 10-Year Equity to Asset Range
Min: 0.02   Max: 0.09
Current: 0.06

0.02
0.09
Interest Coverage 3.45
PL's Interest Coverage is ranked higher than
68% of the 135 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.86 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: 5
Z-Score: 0.19
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
91% of the 149 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.18 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 151 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.94 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 151 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.91 vs. PL: 10.59 )
PL' s 10-Year ROE (%) Range
Min: -5.5   Max: 17.9
Current: 10.59

-5.5
17.9
ROA (%) 0.57
PL's ROA (%) is ranked higher than
78% of the 151 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.57 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
97% of the 124 Companies
in the Global Insurance - Life industry.

( Industry Median: 226.30 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
91% of the 141 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.90 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
96% of the 134 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.60 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 (%) 17.80
PL's EPS Growth (%) is ranked higher than
93% of the 136 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.50 vs. PL: 17.80 )
PL' s 10-Year EPS Growth (%) Range
Min: -9.8   Max: 20.5
Current: 17.8

-9.8
20.5
» PL's 10-Y Financials

Financials


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

» Details

Guru Trades

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

RS Investment Management 546,790 sh (New)
Steven Cohen 6,058 sh (+49.77%)
Richard Snow 102,360 sh (+4.65%)
John Buckingham 140,848 sh (+0.83%)
David Dreman 218,707 sh (+0.39%)
Columbia Wanger 775,000 sh (unchged)
Chuck Royce Sold Out
John Hussman Sold Out
John Keeley 805,660 sh (-0.71%)
Ken Fisher 1,711,264 sh (-2%)
Jeremy Grantham 14,400 sh (-10.33%)
Richard Pzena 9,275 sh (-93.98%)
» More
Q2 2014

PL Guru Trades in Q2 2014

Ken Fisher 545,238 sh (-68.14%)
» 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 2014-03-31 Sold Out 0.47%$46.34 - $53.86 $ 69.435%0
John Hussman 2013-12-31 Reduce -62.57%0.51%$42.42 - $51.09 $ 69.448%131000
David Dreman 2013-09-30 Reduce -71.47%0.61%$38.78 - $45.05 $ 69.462%199597
John Hussman 2013-09-30 Add 55.56%0.29%$38.78 - $45.05 $ 69.462%350000
John Keeley 2013-09-30 Add 26.06%0.14%$38.78 - $45.05 $ 69.462%855210
John Keeley 2013-06-30 Add 1008.66%0.47%$34.67 - $39.33 $ 69.484%678390
David Dreman 2013-06-30 Reduce -37.35%0.41%$34.67 - $39.33 $ 69.484%699665
John Hussman 2013-03-31 Reduce -50%0.19%$28.58 - $35.86 $ 69.4115%250000
John Keeley 2013-03-31 Add 27.51%0.01%$28.58 - $35.86 $ 69.4115%61190
John Hussman 2012-09-30 New Buy0.32%$26.1 - $30.01 $ 69.4144%500000
Ray Dalio 2011-12-31 Sold Out 0.14%$14.25 - $22.6 $ 69.4251%0
Ray Dalio 2011-09-30 Add 291.31%0.1%$15.17 - $23.54 $ 69.4263%590688
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) 14.10
PL's P/E(ttm) is ranked higher than
85% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.70 vs. PL: 14.10 )
PL' s 10-Year P/E(ttm) Range
Min: 4.04   Max: 80.42
Current: 14.1

4.04
80.42
P/B 1.30
PL's P/B is ranked higher than
81% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.48 vs. PL: 1.30 )
PL' s 10-Year P/B Range
Min: 0.29   Max: 1.74
Current: 1.3

0.29
1.74
P/S 1.40
PL's P/S is ranked higher than
72% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.88 vs. PL: 1.40 )
PL' s 10-Year P/S Range
Min: 0.09   Max: 1.66
Current: 1.4

0.09
1.66
PFCF 12.20
PL's PFCF is ranked higher than
72% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.69 vs. PL: 12.20 )
PL' s 10-Year PFCF Range
Min: 0.18   Max: 57.27
Current: 12.2

0.18
57.27
EV-to-EBIT 13.34
PL's EV-to-EBIT is ranked higher than
76% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.83 vs. PL: 13.34 )
PL' s 10-Year EV-to-EBIT Range
Min: 7   Max: 92.8
Current: 13.34

7
92.8
PEG 1.50
PL's PEG is ranked higher than
81% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.03 vs. PL: 1.50 )
PL' s 10-Year PEG Range
Min: 0.14   Max: 1.5
Current: 1.5

0.14
1.5
Shiller P/E 21.40
PL's Shiller P/E is ranked higher than
85% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 24.22 vs. PL: 21.40 )
PL' s 10-Year Shiller P/E Range
Min: 1.04   Max: 21.46
Current: 21.4

1.04
21.46

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.20
PL's Dividend Yield is ranked lower than
75% of the 135 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.06 vs. PL: 1.20 )
PL' s 10-Year Dividend Yield Range
Min: 1.15   Max: 22.19
Current: 1.2

1.15
22.19
Dividend Payout 0.26
PL's Dividend Payout is ranked higher than
92% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.60 vs. PL: 0.26 )
PL' s 10-Year Dividend Payout Range
Min: 0.08   Max: 0.45
Current: 0.26

0.08
0.45
Dividend growth (3y) 13.00
PL's Dividend growth (3y) is ranked higher than
83% of the 101 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.60 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) 2.22
PL's Yield on cost (5-Year) is ranked lower than
56% of the 135 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.17 vs. PL: 2.22 )
PL' s 10-Year Yield on cost (5-Year) Range
Min: 2.13   Max: 41.06
Current: 2.22

2.13
41.06
Share Buyback Rate 2.60
PL's Share Buyback Rate is ranked higher than
93% of the 126 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.30 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 1.30
PL's Price/Tangible Book is ranked higher than
85% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.85 vs. PL: 1.30 )
PL' s 10-Year Price/Tangible Book Range
Min: 0.33   Max: 3.53
Current: 1.3

0.33
3.53
Price/DCF (Projected) 0.50
PL's Price/DCF (Projected) is ranked higher than
83% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.48 vs. PL: 0.50 )
PL' s 10-Year Price/DCF (Projected) Range
Min: 0.05   Max: 0.57
Current: 0.5

0.05
0.57
Price/Median PS Value 1.40
PL's Price/Median PS Value is ranked higher than
66% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.07 vs. PL: 1.40 )
PL' s 10-Year Price/Median PS Value Range
Min: 0.16   Max: 2
Current: 1.4

0.16
2
Price/Peter Lynch Fair Value 0.60
PL's Price/Peter Lynch Fair Value is ranked higher than
95% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 9999.00 vs. PL: 0.60 )
PL' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.42   Max: 3.01
Current: 0.6

0.42
3.01
Price/Graham Number 0.90
PL's Price/Graham Number is ranked higher than
85% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.10 vs. PL: 0.90 )
PL' s 10-Year Price/Graham Number Range
Min: 0.26   Max: 1.9
Current: 0.9

0.26
1.9
Earnings Yield (Greenblatt) 7.50
PL's Earnings Yield (Greenblatt) is ranked higher than
71% of the 150 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.50 vs. PL: 7.50 )
PL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.1   Max: 14.2
Current: 7.5

1.1
14.2
Forward Rate of Return (Yacktman) 36.69
PL's Forward Rate of Return (Yacktman) is ranked higher than
93% of the 134 Companies
in the Global Insurance - Life industry.

( Industry Median: 21.37 vs. PL: 36.69 )
PL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 18.8   Max: 128
Current: 36.69

18.8
128

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.
» More Articles for PL

Headlines

Articles On GuruFocus.com
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 
Protective Life Corp. Reports Operating Results (10-Q) Nov 06 2009 
Protective Reports Results for the Second Quarter of 2009 Aug 04 2009 
Protective Announces Fourth Quarter 2008 Net Loss of $0.22 Per Share and Operating Income of $0.80 P Feb 10 2009 


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