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Also traded in: Germany

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 : 4/10

Interest Coverage 3.72
PL's Interest Coverage is ranked lower than
85% of the 105 Companies
in the Global Insurance - Life industry.

( Industry Median: 45.31 vs. PL: 3.72 )
Ranked among companies with meaningful Interest Coverage only.
PL' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 3.72
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

» PL's 10-Y Financials

Financials (Next Earnings Date: 0)

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

» 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
Richard Pzena Sold Out
Keeley Asset Management Corp 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%)
Columbia Wanger Sold Out
Jim Simons Sold Out
Jeremy Grantham Sold Out
John Buckingham Sold Out
Richard Snow Sold Out
Ken Fisher 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%)
» 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
» 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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Business Description

Industry: Insurance - Life » Insurance - Life
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.



Dividend & Buy Back

Dividend Yield 1.30
PL's Dividend Yield is ranked lower than
99.99% of the 124 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.68 vs. PL: 1.30 )
Ranked among companies with meaningful Dividend Yield only.
PL' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0 Max: 1.3
Current: 1.3
Dividend Payout 0.17
PL's Dividend Payout is ranked higher than
80% of the 91 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.36 vs. PL: 0.17 )
Ranked among companies with meaningful Dividend Payout only.
PL' s Dividend Payout Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.17
Current: 0.17
Yield on cost (5-Year) 1.30
PL's Yield on cost (5-Year) is ranked lower than
99.99% of the 125 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.05 vs. PL: 1.30 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PL' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 1.3

Valuation & Return


More Statistics

Revenue (TTM) (Mil) $4,511
EPS (TTM) $ 5.29
Short Percentage of Float0.48%
52-Week Range $46.26 - 70.03
Shares Outstanding (Mil)79.29

Analyst Estimate

Dec14 Dec15 Dec16
Revenue (Mil $) 4,492 4,581 4,643
EPS ($) 5.14 5.35 5.75
EPS w/o NRI ($) 5.14 5.35 5.75
EPS Growth Rate
(3Y to 5Y Estimate)
Dividends Per Share ($) 0.92 1.02 1.10

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