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65.17 (1y: +41%)
Market Cap 6.03 B P/E(ttm) 11.80
Enterprise Value 7.39 B P/B 1.40
TMK- NYSE (USA)
Torchmark Corporation
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$65.17
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt 0.047
TMK's Cash to Debt is ranked lower than
91% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.10 vs. TMK: 0.047 )
TMK' s 10-Year Cash to Debt Range
Min: 0.01   Max: 0.37
Current: 0.05
0.01
0.37
Equity to Asset 0.209
TMK's Equity to Asset is ranked higher than
87% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.09 vs. TMK: 0.209 )
TMK' s 10-Year Equity to Asset Range
Min: 0.13   Max: 0.22
Current: 0.21
0.13
0.22
Interest Coverage 9.5
TMK's Interest Coverage is ranked higher than
82% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 10000.00 vs. TMK: 9.5 )
TMK' s 10-Year Interest Coverage Range
Min: 9   Max: 21
Current: 9.5
9
21
F-Score: 5
Z-Score: 0.82
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 (%) 21.30
TMK's Operating margin (%) is ranked higher than
91% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.65 vs. TMK: 21.30 )
TMK' s 10-Year Operating margin (%) Range
Min: -27.8   Max: 25.3
Current: 21.3
-27.8
25.3
Net-margin (%) 14.7
TMK's Net-margin (%) is ranked higher than
93% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.25 vs. TMK: 14.7 )
TMK' s 10-Year Net-margin (%) Range
Min: 12.3   Max: 15.8
Current: 14.7
12.3
15.8
ROE (%) 12.1
TMK's ROE (%) is ranked higher than
76% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.00 vs. TMK: 12.1 )
TMK' s 10-Year ROE (%) Range
Min: 11.9   Max: 20.3
Current: 12.1
11.9
20.3
ROA (%) 2.8
TMK's ROA (%) is ranked higher than
87% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.80 vs. TMK: 2.8 )
TMK' s 10-Year ROA (%) Range
Min: 2.3   Max: 3.5
Current: 2.8
2.3
3.5
ROC (Joel Greenblatt) (%) 297.70
TMK's ROC (Joel Greenblatt) (%) is ranked higher than
73% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 140.60 vs. TMK: 297.70 )
TMK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -140.2   Max: 43570.4
Current: 297.7
-140.2
43570.4
Revenue Growth (%) 9.1
TMK's Revenue Growth (%) is ranked higher than
71% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.05 vs. TMK: 9.1 )
TMK' s 10-Year Revenue Growth (%) Range
Min: 3.1   Max: 9.1
Current: 9.1
3.1
9.1
EBITDA Growth (%) 12.6
TMK's EBITDA Growth (%) is ranked higher than
73% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.80 vs. TMK: 12.6 )
TMK' s 10-Year EBITDA Growth (%) Range
Min: -12.6   Max: 23.5
Current: 12.6
-12.6
23.5
EPS Growth (%) 13.6
TMK's EPS Growth (%) is ranked higher than
67% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.90 vs. TMK: 13.6 )
TMK' s 10-Year EPS Growth (%) Range
Min: -1.2   Max: 13.6
Current: 13.6
-1.2
13.6
ยป TMK's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

TMK Guru Trades in Q2 2012

Jeremy Grantham 33,450 sh (New)
Chuck Royce 40,600 sh (+1591.67%)
Ken Fisher 113,044 sh (+4.17%)
Richard Pzena 142,924 sh (+2.36%)
Warren Buffett 4,235,818 sh (unchged)
Paul Tudor Jones Sold Out
Steven Cohen Sold Out
RS Investment Management 2,408,810 sh (-2.68%)
Tweedy Browne 1,020,978 sh (-3%)
HOTCHKIS & WILEY 678,300 sh (-11.75%)
» More
Q3 2012

TMK Guru Trades in Q3 2012

Richard Pzena 752,924 sh (+426.8%)
Chuck Royce 48,200 sh (+18.72%)
Ken Fisher 128,989 sh (+14.11%)
Warren Buffett 4,235,818 sh (unchged)
Tweedy Browne 1,018,684 sh (-0.22%)
Jeremy Grantham 32,604 sh (-2.53%)
RS Investment Management 1,927,230 sh (-19.99%)
HOTCHKIS & WILEY 286,600 sh (-57.75%)
» More
Q4 2012

TMK Guru Trades in Q4 2012

Steven Cohen 5,119 sh (New)
Paul Tudor Jones 5,800 sh (New)
Ken Fisher 139,511 sh (+8.16%)
Warren Buffett 4,235,818 sh (unchged)
Jeremy Grantham 94,795 sh (unchged)
Tweedy Browne 1,012,894 sh (-0.57%)
Richard Pzena 741,224 sh (-1.55%)
Chuck Royce 44,100 sh (-8.51%)
RS Investment Management 1,603,131 sh (-16.82%)
HOTCHKIS & WILEY 200,100 sh (-30.18%)
» More
Q1 2013

TMK Guru Trades in Q1 2013

Jim Simons 257,300 sh (New)
HOTCHKIS & WILEY 467,000 sh (+133.38%)
Ken Fisher 145,211 sh (+4.09%)
RS Investment Management 1,635,361 sh (+2.01%)
Tweedy Browne 1,013,944 sh (+0.1%)
Warren Buffett 4,235,818 sh (unchged)
Chuck Royce 44,100 sh (unchged)
Steven Cohen Sold Out
Paul Tudor Jones Sold Out
Jeremy Grantham 88,857 sh (-6.26%)
Richard Pzena 457,649 sh (-38.26%)
» More
» Details

Insider Trades

Latest Guru Trades with TMK

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Hussman 2011-12-31 Sold Out 0.06%$33.72 - $43.74 $ 65.1760%0
Ray Dalio 2011-12-31 Sold Out 0.01%$33.72 - $43.74 $ 65.1760%0
John Keeley 2011-12-31 Sold Out 0.0045%$33.72 - $43.74 $ 65.1760%0
James Barrow 2011-09-30 Sold Out 0.1022%$33.18 - $43.68 $ 65.1771%0
John Hussman 2011-09-30 New Buy0.06%$33.18 - $43.68 $ 65.1771%117000
Ray Dalio 2011-09-30 Reduce -42.08%0.01%$33.18 - $43.68 $ 65.1772%18880
David Dreman 2010-12-31 Sold Out 0.01%$35.25 - $41.33 $ 65.1768%0
John Keeley 2010-12-31 New Buy$35.25 - $41.33 $ 65.1768%4500
David Dreman 2010-03-31 Reduce -21.73%$29.3 - $35.82 $ 65.17106%5690
Premium More recent guru trades are included for Premium Members only!!

Ratios

vs
industry		 vs
history
P/E(ttm) 11.80
TMK's P/E(ttm) is ranked lower than
76% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.95 vs. TMK: 11.80 )
TMK' s 10-Year P/E(ttm) Range
Min: 3.63   Max: 15.15
Current: 11.8
3.63
15.15
P/B 1.40
TMK's P/B is ranked lower than
56% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.07 vs. TMK: 1.40 )
TMK' s 10-Year P/B Range
Min: 0.72   Max: 2.33
Current: 1.4
0.72
2.33
P/S 1.72
TMK's P/S is ranked lower than
84% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.75 vs. TMK: 1.72 )
TMK' s 10-Year P/S Range
Min: 0.45   Max: 2.09
Current: 1.72
0.45
2.09
PFCF 6.60
TMK's PFCF is ranked lower than
96% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.45 vs. TMK: 6.60 )
TMK' s 10-Year PFCF Range
Min: 2.09   Max: 10.36
Current: 6.6
2.09
10.36
EV-to-EBIT 9.6
TMK's EV-to-EBIT is ranked higher than
67% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.00 vs. TMK: 9.6 )
TMK' s 10-Year EV-to-EBIT Range
Min: 3.9   Max: 27.7
Current: 9.6
3.9
27.7
PEG 0.9
TMK's PEG is ranked higher than
91% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.99 vs. TMK: 0.9 )
TMK' s 10-Year PEG Range
Min: 0.04   Max: 4.22
Current: 0.9
0.04
4.22
Shiller P/E 15
TMK's Shiller P/E is ranked lower than
60% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.10 vs. TMK: 15 )
TMK' s 10-Year Shiller P/E Range
Min: 3.41   Max: 18.71
Current: 15
3.41
18.71

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 0.95
TMK's Dividend Yield is ranked lower than
67% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.15 vs. TMK: 0.95 )
TMK' s 10-Year Dividend Yield Range
Min: 0.72   Max: 3.27
Current: 0.95
0.72
3.27
Dividend Payout 0.1125
TMK's Dividend Payout is ranked higher than
91% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.33 vs. TMK: 0.1125 )
TMK' s 10-Year Dividend Payout Range
Min: 0.09   Max: 0.18
Current: 0.11
0.09
0.18
Dividend growth (3y) 12.1
TMK's Dividend growth (3y) is ranked higher than
78% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.40 vs. TMK: 12.1 )
TMK' s 10-Year Dividend growth (3y) Range
Min: -0.6   Max: 13
Current: 12.1
-0.6
13
Yield on cost (5-Year) 1.69
TMK's Yield on cost (5-Year) is ranked lower than
62% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.17 vs. TMK: 1.69 )
TMK' s 10-Year Yield on cost (5-Year) Range
Min: 1.22   Max: 5.54
Current: 1.69
1.22
5.54
Share Buyback Rate 5.8
TMK's Share Buyback Rate is ranked higher than
91% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.85 vs. TMK: 5.8 )
TMK' s 10-Year Share Buyback Rate Range
Min: 5.8   Max: 2.6
Current: 5.8

Valuation & Return

vs
industry		 vs
history
Price/Net Current Asset Value 43.2
TMK's Price/Net Current Asset Value is ranked higher than
89% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.85 vs. TMK: 43.2 )
TMK' s 10-Year Price/Net Current Asset Value Range
Min: 35.9   Max: 3036
Current: 43.2
35.9
3036
Price/Tangible Book 1.6
TMK's Price/Tangible Book is ranked higher than
71% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.90 vs. TMK: 1.6 )
TMK' s 10-Year Price/Tangible Book Range
Min: 1.2   Max: 2.7
Current: 1.6
1.2
2.7
Price/DCF (Projected) 0.4
TMK's Price/DCF (Projected) is ranked higher than
87% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.30 vs. TMK: 0.4 )
TMK' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 0.6
Current: 0.4
0.3
0.6
Price/Median PS Value 1
TMK's Price/Median PS Value is ranked higher than
76% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.80 vs. TMK: 1 )
TMK' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 1.2
Current: 1
0.7
1.2
Price/Peter Lynch Fair Value 1.4
TMK's Price/Peter Lynch Fair Value is ranked lower than
87% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.80 vs. TMK: 1.4 )
TMK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.5   Max: 1.8
Current: 1.4
0.5
1.8
Price/Graham Number 0.9
TMK's Price/Graham Number is ranked higher than
73% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.65 vs. TMK: 0.9 )
TMK' s 10-Year Price/Graham Number Range
Min: 0.7   Max: 1.3
Current: 0.9
0.7
1.3
Earnings Yield (Greenblatt) 10.40
TMK's Earnings Yield (Greenblatt) is ranked higher than
76% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 vs. TMK: 10.40 )
TMK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.6   Max: 25.6
Current: 10.4
3.6
25.6
Forward Rate of Return (Yacktman) 17.43
TMK's Forward Rate of Return (Yacktman) is ranked higher than
60% of the 45 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.65 vs. TMK: 17.43 )
TMK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 8   Max: 284.1
Current: 17.43
8
284.1

Business Description

Torchmark Corporation is an insurance holding company incorporated in Delaware in 1979. Its main subsidiaries are American Income Life Insurance Company, Liberty National Life Insurance Company, Globe Life And Accident Insurance Company, United American Insurance Company and United Investors Life Insurance Company. Torchmark is the 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 major 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. Torchmark's 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. Torchmark offers supplemental limited-benefit health insurance products that include primarily 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. Torchmark competes with other insurance carriers through policyholder service, price, product design, and sales efforts. Torchmark's 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.
Company Website
SEC Reports
Industry: Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF
Traded in other countries:TMK.UK, TMJ.Germany
ยป More Articles for TMK

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Weekly CFO Sells Highlight: DFS, IL, SUN, TMK, MU Apr 03 2011 
Torchmark Corp. (TMK) Pres. & CEO of Principal Sub Charles Franklin Hudson sells 59,717 Shares Mar 09 2011 
Torchmark Corp. (TMK) EVP & CFO Gary L Coleman sells 22,510 Shares Dec 10 2010 
Torchmark Corp. (TMK) EVP & CFO Gary L Coleman sells 31,539 Shares Dec 06 2010 

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