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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
Equity to Asset 0.24
TMK's Equity to Asset is ranked higher than
87% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.08 vs. TMK: 0.24 )
Ranked among companies with meaningful Equity to Asset only.
TMK' s 10-Year Equity to Asset Range
Min: 0.15  Med: 0.22 Max: 0.25
Current: 0.24
0.15
0.25
Interest Coverage 10.23
TMK's Interest Coverage is ranked lower than
58% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.97 vs. TMK: 10.23 )
Ranked among companies with meaningful Interest Coverage only.
TMK' s 10-Year Interest Coverage Range
Min: 6.29  Med: 9.94 Max: 9999.99
Current: 10.23
6.29
9999.99
F-Score: 6
WACC vs ROIC
9.56%
9.32%
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 (%) 19.36
TMK's Operating margin (%) is ranked higher than
84% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.15 vs. TMK: 19.36 )
Ranked among companies with meaningful Operating margin (%) only.
TMK' s 10-Year Operating margin (%) Range
Min: -28.27  Med: 22.29 Max: 25.78
Current: 19.36
-28.27
25.78
Net-margin (%) 13.39
TMK's Net-margin (%) is ranked higher than
83% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.54 vs. TMK: 13.39 )
Ranked among companies with meaningful Net-margin (%) only.
TMK' s 10-Year Net-margin (%) Range
Min: 6.93  Med: 14.26 Max: 16.78
Current: 13.39
6.93
16.78
ROE (%) 11.66
TMK's ROE (%) is ranked higher than
61% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.09 vs. TMK: 11.66 )
Ranked among companies with meaningful ROE (%) only.
TMK' s 10-Year ROE (%) Range
Min: 10.7  Med: 14.34 Max: 19.35
Current: 11.66
10.7
19.35
ROA (%) 2.67
TMK's ROA (%) is ranked higher than
87% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.66 vs. TMK: 2.67 )
Ranked among companies with meaningful ROA (%) only.
TMK' s 10-Year ROA (%) Range
Min: 2.18  Med: 3.10 Max: 3.49
Current: 2.67
2.18
3.49
ROC (Joel Greenblatt) (%) 554.76
TMK's ROC (Joel Greenblatt) (%) is ranked higher than
67% of the 64 Companies
in the Global Insurance - Life industry.

( Industry Median: 260.72 vs. TMK: 554.76 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
TMK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 109.28  Med: 546.34 Max: 2443.79
Current: 554.76
109.28
2443.79
Revenue Growth (3Y)(%) 13.40
TMK's Revenue Growth (3Y)(%) is ranked higher than
60% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 vs. TMK: 13.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
TMK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 3.3  Med: 9.00 Max: 14
Current: 13.4
3.3
14
EBITDA Growth (3Y)(%) 9.80
TMK's EBITDA Growth (3Y)(%) is ranked lower than
52% of the 65 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.40 vs. TMK: 9.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
TMK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 9.80 Max: 24.3
Current: 9.8
0
24.3
EPS Growth (3Y)(%) 10.60
TMK's EPS Growth (3Y)(%) is ranked lower than
59% of the 63 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.50 vs. TMK: 10.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
TMK' s 10-Year EPS Growth (3Y)(%) Range
Min: -4.6  Med: 11.10 Max: 20.4
Current: 10.6
-4.6
20.4
» TMK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

TMK Guru Trades in Q3 2014

David Dreman 1,777 sh (New)
Jeremy Grantham 37,825 sh (+38.93%)
Richard Pzena 190,597 sh (+13.30%)
Chuck Royce 51,200 sh (+12.28%)
Ken Fisher 217,343 sh (+2.22%)
John Keeley 57,390 sh (unchged)
Warren Buffett 6,353,727 sh (unchged)
Louis Moore Bacon Sold Out
Tweedy Browne 1,471,828 sh (-0.15%)
RS Investment Management 1,375,711 sh (-1.93%)
» More
Q4 2014

TMK Guru Trades in Q4 2014

David Dreman 2,778 sh (+56.33%)
Chuck Royce 53,200 sh (+3.91%)
RS Investment Management 1,378,191 sh (+0.18%)
Warren Buffett 6,353,727 sh (unchged)
Richard Pzena 190,597 sh (unchged)
Tweedy Browne 1,469,530 sh (-0.16%)
John Keeley 56,910 sh (-0.84%)
Ken Fisher 214,616 sh (-1.25%)
Jeremy Grantham 32,700 sh (-13.55%)
» More
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

Ken Fisher 214,172 sh (-0.73%)
» 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.47
TMK's P/E(ttm) is ranked lower than
57% of the 70 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.40 vs. TMK: 15.47 )
Ranked among companies with meaningful P/E(ttm) only.
TMK' s 10-Year P/E(ttm) Range
Min: 3.62  Med: 11.59 Max: 15.44
Current: 15.47
3.62
15.44
Forward P/E 12.79
TMK's Forward P/E is ranked lower than
59% of the 51 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.99 vs. TMK: 12.79 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.30
TMK's PE(NRI) is ranked lower than
57% of the 70 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.40 vs. TMK: 15.30 )
Ranked among companies with meaningful PE(NRI) only.
TMK' s 10-Year PE(NRI) Range
Min: 3.59  Med: 11.55 Max: 15.31
Current: 15.3
3.59
15.31
P/B 1.63
TMK's P/B is ranked lower than
62% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.24 vs. TMK: 1.63 )
Ranked among companies with meaningful P/B only.
TMK' s 10-Year P/B Range
Min: 0.71  Med: 1.55 Max: 2.17
Current: 1.63
0.71
2.17
P/S 2.03
TMK's P/S is ranked lower than
88% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.91 vs. TMK: 2.03 )
Ranked among companies with meaningful P/S only.
TMK' s 10-Year P/S Range
Min: 0.47  Med: 1.73 Max: 2.08
Current: 2.03
0.47
2.08
PFCF 9.65
TMK's PFCF is ranked lower than
67% of the 48 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.64 vs. TMK: 9.65 )
Ranked among companies with meaningful PFCF only.
TMK' s 10-Year PFCF Range
Min: 2.09  Med: 6.68 Max: 9.63
Current: 9.65
2.09
9.63
POCF 9.42
TMK's POCF is ranked lower than
73% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.70 vs. TMK: 9.42 )
Ranked among companies with meaningful POCF only.
TMK' s 10-Year POCF Range
Min: 2.07  Med: 6.61 Max: 9.4
Current: 9.42
2.07
9.4
EV-to-EBIT 10.75
TMK's EV-to-EBIT is ranked lower than
62% of the 68 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.52 vs. TMK: 10.75 )
Ranked among companies with meaningful EV-to-EBIT only.
TMK' s 10-Year EV-to-EBIT Range
Min: -8.4  Med: 8.20 Max: 12.4
Current: 10.75
-8.4
12.4
PEG 1.20
TMK's PEG is ranked lower than
57% of the 37 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.04 vs. TMK: 1.20 )
Ranked among companies with meaningful PEG only.
TMK' s 10-Year PEG Range
Min: 0.63  Med: 1.04 Max: 25.02
Current: 1.2
0.63
25.02
Shiller P/E 18.31
TMK's Shiller P/E is ranked lower than
55% of the 58 Companies
in the Global Insurance - Life industry.

( Industry Median: 17.68 vs. TMK: 18.31 )
Ranked among companies with meaningful Shiller P/E only.
TMK' s 10-Year Shiller P/E Range
Min: 3.38  Med: 13.60 Max: 18.26
Current: 18.31
3.38
18.26
Days Sales Outstanding 52.04
TMK's Days Sales Outstanding is ranked lower than
71% of the 35 Companies
in the Global Insurance - Life industry.

( Industry Median: 31.81 vs. TMK: 52.04 )
Ranked among companies with meaningful Days Sales Outstanding only.
TMK' s 10-Year Days Sales Outstanding Range
Min: 7.85  Med: 17.95 Max: 50.09
Current: 52.04
7.85
50.09

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.85
TMK's Dividend Yield is ranked lower than
137% of the 101 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.05 vs. TMK: 0.85 )
Ranked among companies with meaningful Dividend Yield only.
TMK' s 10-Year Dividend Yield Range
Min: 0.72  Med: 0.92 Max: 3.27
Current: 0.85
0.72
3.27
Dividend Payout 0.13
TMK's Dividend Payout is ranked higher than
84% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.29 vs. TMK: 0.13 )
Ranked among companies with meaningful Dividend Payout only.
TMK' s 10-Year Dividend Payout Range
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
80% of the 51 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.40 vs. TMK: 21.90 )
Ranked among companies with meaningful Dividend growth (3y) only.
TMK' s 10-Year Dividend growth (3y) Range
Min: -19.6  Med: 5.60 Max: 21.9
Current: 21.9
-19.6
21.9
Yield on cost (5-Year) 1.77
TMK's Yield on cost (5-Year) is ranked lower than
108% of the 97 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.66 vs. TMK: 1.77 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
TMK' s 10-Year Yield on cost (5-Year) Range
Min: 1.54  Med: 1.97 Max: 6.99
Current: 1.77
1.54
6.99
Share Buyback Rate 7.00
TMK's Share Buyback Rate is ranked higher than
92% of the 61 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.20 vs. TMK: 7.00 )
Ranked among companies with meaningful Share Buyback Rate only.
TMK' s 10-Year Share Buyback Rate Range
Min: 8.9  Med: 4.30 Max: 1.8
Current: 7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.75
TMK's Price/Tangible Book is ranked lower than
54% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.54 vs. TMK: 1.75 )
Ranked among companies with meaningful Price/Tangible Book only.
TMK' s 10-Year Price/Tangible Book Range
Min: 0.94  Med: 2.01 Max: 3.66
Current: 1.75
0.94
3.66
Price/Projected FCF 0.43
TMK's Price/Projected FCF is ranked higher than
60% of the 53 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.56 vs. TMK: 0.43 )
Ranked among companies with meaningful Price/Projected FCF only.
TMK' s 10-Year Price/Projected FCF Range
Min: 0.21  Med: 0.47 Max: 0.87
Current: 0.43
0.21
0.87
Price/Median PS Value 1.17
TMK's Price/Median PS Value is ranked lower than
70% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.05 vs. TMK: 1.17 )
Ranked among companies with meaningful Price/Median PS Value only.
TMK' s 10-Year Price/Median PS Value Range
Min: 0.32  Med: 0.96 Max: 1.27
Current: 1.17
0.32
1.27
Price/Peter Lynch Fair Value 1.19
TMK's Price/Peter Lynch Fair Value is ranked lower than
53% of the 30 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.09 vs. TMK: 1.19 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
TMK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.28  Med: 0.99 Max: 2.12
Current: 1.19
0.28
2.12
Price/Graham Number 1.07
TMK's Price/Graham Number is ranked lower than
60% of the 68 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.95 vs. TMK: 1.07 )
Ranked among companies with meaningful Price/Graham Number only.
TMK' s 10-Year Price/Graham Number Range
Min: 0.54  Med: 0.99 Max: 1.57
Current: 1.07
0.54
1.57
Earnings Yield (Greenblatt) (%) 9.29
TMK's Earnings Yield (Greenblatt) (%) is ranked lower than
55% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.90 vs. TMK: 9.29 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TMK' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 8  Med: 11.70 Max: 27.6
Current: 9.29
8
27.6
Forward Rate of Return (Yacktman) (%) 22.91
TMK's Forward Rate of Return (Yacktman) (%) is ranked higher than
59% of the 58 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.45 vs. TMK: 22.91 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
TMK' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 15.5  Med: 23.70 Max: 52.6
Current: 22.91
15.5
52.6

Business Description

Industry: Insurance - Life » Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF » details
Traded in other countries:TMK.UK, TMJ.Germany,
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 TMK

Headlines

Articles On GuruFocus.com
Weekly Insider Sells Highlight: HDS, FIS, TMK, AMAT Jun 28 2015 
George Soros and Ken Heebner Sold Out this Life Insurance Company Mar 30 2015 
Torchmark´s Dividend Hike Does Not Justify Its Market Price Mar 30 2015 
I Continue Recommend Adding Aflac to a Diversified Portfolio Jan 22 2015 
Surprisingly, Warren Buffett Buys These 8 Dividend Stocks Nov 19 2014 
With a Promising Return, I Would Add Aflac to my Portfolio Oct 03 2014 
Torchmark: More of the Same for Higher Profits? Apr 11 2014 
Weekly Insider Sells Highlight: ORCL, COF, KMX, TMK, GCI Dec 31 2013 
comment on TMK Oct 07 2012 
comment on TMK Sep 13 2012 

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