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Also traded in: Germany, UK

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 0.04
TMK's Cash to Debt is ranked lower than
99% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.83 vs. TMK: 0.04 )
Ranked among companies with meaningful Cash to Debt only.
TMK' s Cash to Debt Range Over the Past 10 Years
Min: 0  Med: 0.02 Max: N/A
Current: 0.04
Equity to Asset 0.21
TMK's Equity to Asset is ranked higher than
82% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.09 vs. TMK: 0.21 )
Ranked among companies with meaningful Equity to Asset only.
TMK' s Equity to Asset Range Over the Past 10 Years
Min: 0.15  Med: 0.22 Max: 0.25
Current: 0.21
0.15
0.25
Interest Coverage 10.20
TMK's Interest Coverage is ranked lower than
65% of the 66 Companies
in the Global Insurance - Life industry.

( Industry Median: 30.15 vs. TMK: 10.20 )
Ranked among companies with meaningful Interest Coverage only.
TMK' s Interest Coverage Range Over the Past 10 Years
Min: 8.25  Med: 9.94 Max: 13.01
Current: 10.2
8.25
13.01
F-Score: 5
WACC vs ROIC
8.21%
6.87%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 19.17
TMK's Operating margin (%) is ranked higher than
75% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.73 vs. TMK: 19.17 )
Ranked among companies with meaningful Operating margin (%) only.
TMK' s Operating margin (%) Range Over the Past 10 Years
Min: 18.53  Med: 21.34 Max: 25.35
Current: 19.17
18.53
25.35
Net-margin (%) 12.90
TMK's Net-margin (%) is ranked higher than
72% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.46 vs. TMK: 12.90 )
Ranked among companies with meaningful Net-margin (%) only.
TMK' s Net-margin (%) Range Over the Past 10 Years
Min: 13  Med: 14.74 Max: 15.85
Current: 12.9
13
15.85
ROE (%) 8.68
TMK's ROE (%) is ranked lower than
55% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.73 vs. TMK: 8.68 )
Ranked among companies with meaningful ROE (%) only.
TMK' s ROE (%) Range Over the Past 10 Years
Min: 12.62  Med: 13.94 Max: 16.3
Current: 8.68
12.62
16.3
ROA (%) 1.95
TMK's ROA (%) is ranked higher than
76% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.87 vs. TMK: 1.95 )
Ranked among companies with meaningful ROA (%) only.
TMK' s ROA (%) Range Over the Past 10 Years
Min: 2.74  Med: 3.07 Max: 3.49
Current: 1.95
2.74
3.49
Revenue Growth (3Y)(%) 13.40
TMK's Revenue Growth (3Y)(%) is ranked higher than
64% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.70 vs. TMK: 13.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
TMK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 3.5  Med: 9.30 Max: 14
Current: 13.4
3.5
14
EBITDA Growth (3Y)(%) 9.80
TMK's EBITDA Growth (3Y)(%) is ranked lower than
53% of the 70 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.20 vs. TMK: 9.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
TMK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 10.20 Max: 24.3
Current: 9.8
0
24.3
EPS Growth (3Y)(%) 10.70
TMK's EPS Growth (3Y)(%) is ranked lower than
56% of the 66 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.90 vs. TMK: 10.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
TMK' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -4.8  Med: 11.10 Max: 20.4
Current: 10.7
-4.8
20.4
» TMK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

TMK Guru Trades in Q1 2015

Richard Pzena 699,436 sh (+266.97%)
David Dreman 4,916 sh (+76.96%)
Jeremy Grantham 35,200 sh (+7.65%)
RS Investment Management 1,454,232 sh (+5.52%)
Ken Fisher 215,747 sh (+0.53%)
Warren Buffett 6,353,727 sh (unchged)
Chuck Royce Sold Out
Tweedy Browne 1,432,554 sh (-2.52%)
John Keeley 6,000 sh (-89.46%)
» More
Q2 2015

TMK Guru Trades in Q2 2015

Richard Pzena 912,243 sh (+30.43%)
RS Investment Management 1,483,032 sh (+1.98%)
John Keeley 6,000 sh (unchged)
Warren Buffett 6,353,727 sh (unchged)
Ken Fisher 214,172 sh (-0.73%)
Tweedy Browne 1,397,010 sh (-2.48%)
Jeremy Grantham 28,900 sh (-17.90%)
David Dreman 1,060 sh (-78.44%)
» More
Q3 2015

TMK Guru Trades in Q3 2015

Louis Moore Bacon 101,035 sh (New)
Paul Tudor Jones 4,200 sh (New)
Ray Dalio 4,959 sh (New)
RS Investment Management 1,863,800 sh (+25.67%)
Ken Fisher 255,579 sh (+19.33%)
David Dreman 1,060 sh (unchged)
Warren Buffett 6,353,727 sh (unchged)
Richard Pzena 908,218 sh (-0.44%)
Tweedy Browne 1,389,902 sh (-0.51%)
John Keeley 5,600 sh (-6.67%)
Jeremy Grantham 9,050 sh (-68.69%)
» More
Q4 2015

TMK Guru Trades in Q4 2015

John Hussman 50,000 sh (New)
John Keeley 5,600 sh (unchged)
Ray Dalio Sold Out
David Dreman Sold Out
Jeremy Grantham Sold Out
Ken Fisher 251,424 sh (-1.63%)
Richard Pzena 828,929 sh (-8.73%)
RS Investment Management 1,067,960 sh (-42.70%)
Tweedy Browne 250,173 sh (-82.00%)
» More
» Details

Insider Trades

Latest Guru Trades with TMK

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

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Ratios

vs
industry
vs
history
P/E(ttm) 11.80
TMK's P/E(ttm) is ranked lower than
65% of the 116 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.80 vs. TMK: 11.80 )
Ranked among companies with meaningful P/E(ttm) only.
TMK' s P/E(ttm) Range Over the Past 10 Years
Min: 3.62  Med: 11.59 Max: 15.33
Current: 11.8
3.62
15.33
Forward P/E 10.24
TMK's Forward P/E is ranked lower than
56% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.18 vs. TMK: 10.24 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.80
TMK's PE(NRI) is ranked higher than
55% of the 103 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.20 vs. TMK: 11.80 )
Ranked among companies with meaningful PE(NRI) only.
TMK' s PE(NRI) Range Over the Past 10 Years
Min: 3.59  Med: 11.56 Max: 15.32
Current: 11.8
3.59
15.32
P/B 1.46
TMK's P/B is ranked lower than
80% of the 116 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.90 vs. TMK: 1.46 )
Ranked among companies with meaningful P/B only.
TMK' s P/B Range Over the Past 10 Years
Min: 0.71  Med: 1.55 Max: 2.21
Current: 1.46
0.71
2.21
P/S 1.60
TMK's P/S is ranked lower than
99.99% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.56 vs. TMK: 1.60 )
Ranked among companies with meaningful P/S only.
TMK' s P/S Range Over the Past 10 Years
Min: 0.62  Med: 2.29 Max: 2.68
Current: 1.6
0.62
2.68
PFCF 7.02
TMK's PFCF is ranked lower than
57% of the 101 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.17 vs. TMK: 7.02 )
Ranked among companies with meaningful PFCF only.
TMK' s PFCF Range Over the Past 10 Years
Min: 2.09  Med: 6.69 Max: 9.25
Current: 7.02
2.09
9.25
POCF 6.75
TMK's POCF is ranked lower than
76% of the 115 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.48 vs. TMK: 6.75 )
Ranked among companies with meaningful POCF only.
TMK' s POCF Range Over the Past 10 Years
Min: 2.07  Med: 6.61 Max: 8.99
Current: 6.75
2.07
8.99
EV-to-EBIT 11.56
TMK's EV-to-EBIT is ranked lower than
96% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.90 vs. TMK: 11.56 )
Ranked among companies with meaningful EV-to-EBIT only.
TMK' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.5  Med: 11.00 Max: 14.9
Current: 11.56
4.5
14.9
EV-to-EBITDA 11.56
TMK's EV-to-EBITDA is ranked lower than
100% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.14 vs. TMK: 11.56 )
Ranked among companies with meaningful EV-to-EBITDA only.
TMK' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.5  Med: 11.00 Max: 14.9
Current: 11.56
4.5
14.9
PEG 0.98
TMK's PEG is ranked higher than
51% of the 41 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.98 vs. TMK: 0.98 )
Ranked among companies with meaningful PEG only.
TMK' s PEG Range Over the Past 10 Years
Min: 0.59  Med: 1.07 Max: 13.11
Current: 0.98
0.59
13.11
Shiller P/E 15.78
TMK's Shiller P/E is ranked higher than
52% of the 62 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.29 vs. TMK: 15.78 )
Ranked among companies with meaningful Shiller P/E only.
TMK' s Shiller P/E Range Over the Past 10 Years
Min: 3.91  Med: 13.75 Max: 19.9
Current: 15.78
3.91
19.9

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.07
TMK's Dividend Yield is ranked lower than
99.99% of the 111 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.03 vs. TMK: 1.07 )
Ranked among companies with meaningful Dividend Yield only.
TMK' s Dividend Yield Range Over the Past 10 Years
Min: 0.72  Med: 0.92 Max: 3.27
Current: 1.07
0.72
3.27
Dividend Payout 0.13
TMK's Dividend Payout is ranked higher than
88% of the 95 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.30 vs. TMK: 0.13 )
Ranked among companies with meaningful Dividend Payout only.
TMK' s Dividend Payout Range Over the Past 10 Years
Min: 0.02  Med: 0.11 Max: 1.52
Current: 0.13
0.02
1.52
Dividend Growth (3y) 21.90
TMK's Dividend Growth (3y) is ranked higher than
81% of the 53 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.70 vs. TMK: 21.90 )
Ranked among companies with meaningful Dividend Growth (3y) only.
TMK' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -19.6  Med: 5.85 Max: 21.9
Current: 21.9
-19.6
21.9
Forward Dividend Yield 1.11
TMK's Forward Dividend Yield is ranked lower than
99.99% of the 110 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.61 vs. TMK: 1.11 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.29
TMK's Yield on cost (5-Year) is ranked lower than
99.99% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.61 vs. TMK: 2.29 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
TMK' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.54  Med: 1.97 Max: 6.99
Current: 2.29
1.54
6.99
3-Year Average Share Buyback Ratio 7.00
TMK's 3-Year Average Share Buyback Ratio is ranked higher than
94% of the 66 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.30 vs. TMK: 7.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
TMK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 2.4  Med: 4.65 Max: 8.9
Current: 7
2.4
8.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.61
TMK's Price/Tangible Book is ranked lower than
68% of the 114 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.19 vs. TMK: 1.61 )
Ranked among companies with meaningful Price/Tangible Book only.
TMK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.94  Med: 1.97 Max: 3.64
Current: 1.61
0.94
3.64
Price/Projected FCF 0.50
TMK's Price/Projected FCF is ranked higher than
62% of the 116 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.64 vs. TMK: 0.50 )
Ranked among companies with meaningful Price/Projected FCF only.
TMK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.21  Med: 0.46 Max: 0.87
Current: 0.5
0.21
0.87
Price/Median PS Value 0.91
TMK's Price/Median PS Value is ranked lower than
69% of the 115 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.79 vs. TMK: 0.91 )
Ranked among companies with meaningful Price/Median PS Value only.
TMK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.32  Med: 0.97 Max: 1.27
Current: 0.91
0.32
1.27
Price/Peter Lynch Fair Value 1.08
TMK's Price/Peter Lynch Fair Value is ranked lower than
56% of the 85 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.96 vs. TMK: 1.08 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
TMK' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.28  Med: 1.00 Max: 2.12
Current: 1.08
0.28
2.12
Price/Graham Number 0.92
TMK's Price/Graham Number is ranked lower than
59% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.78 vs. TMK: 0.92 )
Ranked among companies with meaningful Price/Graham Number only.
TMK' s Price/Graham Number Range Over the Past 10 Years
Min: 0.57  Med: 0.98 Max: 1.57
Current: 0.92
0.57
1.57
Earnings Yield (Greenblatt) (%) 8.70
TMK's Earnings Yield (Greenblatt) (%) is ranked lower than
59% of the 86 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 vs. TMK: 8.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TMK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 6.7  Med: 9.10 Max: 22.2
Current: 8.7
6.7
22.2
Forward Rate of Return (Yacktman) (%) 23.35
TMK's Forward Rate of Return (Yacktman) (%) is ranked higher than
52% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 21.24 vs. TMK: 23.35 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
TMK' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 15.7  Med: 23.40 Max: 52.8
Current: 23.35
15.7
52.8

More Statistics

Revenue(Mil) $4030
EPS $ 4.22
Beta0.94
Short Percentage of Float3.29%
52-Week Range $48.47 - 63.26
Shares Outstanding(Mil)123.33

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 4,028 4,140
EPS($) 4.24 4.55 4.75
EPS without NRI($) 4.24 4.55 4.75

Business Description

Industry: Insurance - Life » Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF » details
Traded in other countries:TMJ.Germany, TMK.UK,
Torchmark Corp is an insurance holding company incorporated in Delaware in on November 29, 1979. The Company is a holding company for a group of insurance companies which market mainly individual life and supplemental health insurance and to limited extent annuities, to middle income households throughout the United States. The Company views its operations by segments, which are the insurance product lines of life, health and annuities and the investment segment that supports the product lines. Insurance Product Line segments involve the marketing, underwriting and benefit administration of policies. Its insurance subsidiaries write a variety of nonparticipating ordinary life insurance products. These include traditional and interest sensitive whole-life insurance, term life insurance, and other life insurance. The distribution methods for life insurance products include sales by direct response, exclusive agents and independent agents. The Company's health insurance offers supplemental limited-benefit health insurance products that include cancer and accident plans. These policies are designed to supplement health coverage that applicants already own. Medicare Supplements are also offered to enrollees in the traditional fee-for-service Medicare program. Medicare Supplement plans are standardized by federal regulation and are designed to pay deductibles and co-payments not paid by Medicare. The Company also offers Medicare Part D prescription drug insurance. Annuity products offered include single-premium and flexible-premium deferred annuities. Premium rates for life and health insurance products are established using assumptions as to future mortality, morbidity, persistency, and expenses, all of which are generally based on Company experience and on projected investment earnings. Investment segment involves the management of the Company's capital resources, including investments and the management of corporate debt and liquidity. The Company competes with other insurance carriers through policyholder service, price, product design, and sales efforts. Its health insurance products compete with, in addition to the products of other health insurance carriers, health maintenance organizations, preferred provider organizations, and other health care-related institutions which provide medical benefits based on contractual agreements. The Company and its insurance subsidiaries are subject to extensive supervision and regulation in the states in which it do business.
» More Articles for NYSE:TMK

Headlines

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Torchmark: More of the Same for Higher Profits? Apr 11 2014 
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