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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 : 7/10

vs
industry
vs
history
Cash to Debt 0.05
TMK's Cash to Debt is ranked higher than
59% of the 159 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.36 vs. TMK: 0.05 )
TMK' s 10-Year Cash to Debt Range
Min: 0   Max: 0.37
Current: 0.05

0
0.37
Equity to Asset 0.23
TMK's Equity to Asset is ranked higher than
96% of the 169 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.06 vs. TMK: 0.23 )
TMK' s 10-Year Equity to Asset Range
Min: 0.15   Max: 0.25
Current: 0.23

0.15
0.25
Interest Coverage 9.48
TMK's Interest Coverage is ranked higher than
79% of the 140 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.17 vs. TMK: 9.48 )
TMK' s 10-Year Interest Coverage Range
Min: 6.06   Max: 22.24
Current: 9.48

6.06
22.24
F-Score: 6
Z-Score: 0.86
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 (%) 19.83
TMK's Operating margin (%) is ranked higher than
96% of the 171 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.25 vs. TMK: 19.83 )
TMK' s 10-Year Operating margin (%) Range
Min: -28.27   Max: 28.07
Current: 19.83

-28.27
28.07
Net-margin (%) 13.83
TMK's Net-margin (%) is ranked higher than
97% of the 171 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.93 vs. TMK: 13.83 )
TMK' s 10-Year Net-margin (%) Range
Min: 6.93   Max: 16.78
Current: 13.83

6.93
16.78
ROE (%) 12.97
TMK's ROE (%) is ranked higher than
86% of the 170 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.72 vs. TMK: 12.97 )
TMK' s 10-Year ROE (%) Range
Min: 10.12   Max: 19.35
Current: 12.97

10.12
19.35
ROA (%) 2.84
TMK's ROA (%) is ranked higher than
98% of the 171 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.70 vs. TMK: 2.84 )
TMK' s 10-Year ROA (%) Range
Min: 1.63   Max: 3.49
Current: 2.84

1.63
3.49
ROC (Joel Greenblatt) (%) 634.71
TMK's ROC (Joel Greenblatt) (%) is ranked higher than
89% of the 147 Companies
in the Global Insurance - Life industry.

( Industry Median: 341.36 vs. TMK: 634.71 )
TMK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -309.41   Max: 2252.77
Current: 634.71

-309.41
2252.77
Revenue Growth (3Y)(%) 14.00
TMK's Revenue Growth (3Y)(%) is ranked higher than
90% of the 150 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.70 vs. TMK: 14.00 )
TMK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 3.3   Max: 14
Current: 14

3.3
14
EBITDA Growth (3Y)(%) 10.60
TMK's EBITDA Growth (3Y)(%) is ranked higher than
82% of the 142 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.40 vs. TMK: 10.60 )
TMK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -4.2   Max: 24.3
Current: 10.6

-4.2
24.3
EPS Growth (3Y)(%) 11.60
TMK's EPS Growth (3Y)(%) is ranked higher than
85% of the 141 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.00 vs. TMK: 11.60 )
TMK' s 10-Year EPS Growth (3Y)(%) Range
Min: -4.6   Max: 20.4
Current: 11.6

-4.6
20.4
» TMK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

TMK Guru Trades in Q4 2013

Jeremy Grantham 62,346 sh (+5.1%)
John Keeley 40,820 sh (+0.12%)
Chuck Royce 42,800 sh (unchged)
Richard Pzena 105,824 sh (unchged)
Warren Buffett 4,235,818 sh (unchged)
Louis Moore Bacon Sold Out
HOTCHKIS & WILEY Sold Out
Tweedy Browne 984,326 sh (-0.18%)
RS Investment Management 1,593,876 sh (-1.42%)
Ken Fisher 148,506 sh (-3.01%)
Steven Cohen 5,341 sh (-9.34%)
» More
Q1 2014

TMK Guru Trades in Q1 2014

Richard Pzena 106,124 sh (+0.28%)
Warren Buffett 4,235,818 sh (unchged)
Tweedy Browne 983,204 sh (-0.11%)
Ken Fisher 143,936 sh (-3.08%)
John Keeley 39,260 sh (-3.82%)
RS Investment Management 1,395,319 sh (-12.46%)
Steven Cohen 4,609 sh (-13.71%)
Chuck Royce 34,000 sh (-20.56%)
Jeremy Grantham 33,750 sh (-45.87%)
» More
Q2 2014

TMK Guru Trades in Q2 2014

Louis Moore Bacon 5,086 sh (New)
Richard Pzena 112,149 sh (+5.68%)
Warren Buffett 4,235,818 sh (unchged)
Tweedy Browne 982,662 sh (-0.06%)
Ken Fisher 141,744 sh (-1.52%)
John Keeley 38,260 sh (-2.55%)
Chuck Royce 30,400 sh (-10.59%)
RS Investment Management 935,189 sh (-32.98%)
Jeremy Grantham 18,150 sh (-46.22%)
» More
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 (+13.3%)
Chuck Royce 51,200 sh (+12.28%)
Ken Fisher 217,343 sh (+2.22%)
Warren Buffett 6,353,727 sh (unchged)
John Keeley 57,390 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
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
David Dreman 2014-09-30 New Buy0.01%$52.57 - $55.68 $ 55.182%1777
HOTCHKIS & WILEY 2013-12-31 Sold Out 0.15%$47.11 - $52.35 $ 55.1811%0
Richard Pzena 2013-09-30 Reduce -77.05%0.15%$43.89 - $48.65 $ 55.1817%158736
John Keeley 2013-09-30 New Buy0.05%$43.89 - $48.65 $ 55.1817%61155
Richard Pzena 2013-03-31 Reduce -38.26%0.12%$34.45 - $39.87 $ 55.1848%686473.5
HOTCHKIS & WILEY 2013-03-31 Add 133.38%0.08%$34.45 - $39.87 $ 55.1848%700500
HOTCHKIS & WILEY 2012-12-31 Reduce -30.18%0.03%$33.03 - $35.31 $ 55.1862%300150
Richard Pzena 2012-09-30 Add 426.8%0.26%$32.78 - $35.17 $ 55.1862%1129386
HOTCHKIS & WILEY 2012-09-30 Reduce -57.75%0.13%$32.78 - $35.17 $ 55.1862%429900
Arnold Schneider 2012-03-31 Sold Out 0.03%$28.91 - $33.7 $ 55.1886%0
Arnold Schneider 2011-12-31 Reduce -94.35%0.36%$22.48 - $29.16 $ 55.18103%11538
John Hussman 2011-12-31 Sold Out 0.06%$22.48 - $29.16 $ 55.18103%0
Ray Dalio 2011-12-31 Sold Out 0.01%$22.48 - $29.16 $ 55.18103%0
John Keeley 2011-12-31 Sold Out 0.0045%$22.48 - $29.16 $ 55.18103%0
HOTCHKIS & WILEY 2011-09-30 New Buy0.23%$22.12 - $29.12 $ 55.18117%1359900
Richard Pzena 2011-09-30 Reduce -77.03%0.19%$22.12 - $29.12 $ 55.18117%221679
James Barrow 2011-09-30 Sold Out 0.1022%$22.12 - $29.12 $ 55.18117%0
Arnold Schneider 2011-09-30 Reduce -23.59%0.1%$22.12 - $29.12 $ 55.18117%204306
John Hussman 2011-09-30 New Buy0.06%$22.12 - $29.12 $ 55.18117%175500
Ray Dalio 2011-09-30 Reduce -42.08%0.01%$22.12 - $29.12 $ 55.18118%28320
Premium More recent guru trades are included for Premium Members only!!
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Ratios

vs
industry
vs
history
P/E(ttm) 13.80
TMK's P/E(ttm) is ranked higher than
85% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 17.30 vs. TMK: 13.80 )
TMK' s 10-Year P/E(ttm) Range
Min: 3.62   Max: 14.06
Current: 13.8

3.62
14.06
P/B 1.60
TMK's P/B is ranked higher than
77% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.57 vs. TMK: 1.60 )
TMK' s 10-Year P/B Range
Min: 0.71   Max: 2.17
Current: 1.6

0.71
2.17
P/S 1.90
TMK's P/S is ranked higher than
67% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.90 vs. TMK: 1.90 )
TMK' s 10-Year P/S Range
Min: 0.47   Max: 2.08
Current: 1.9

0.47
2.08
PFCF 7.60
TMK's PFCF is ranked higher than
85% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.66 vs. TMK: 7.60 )
TMK' s 10-Year PFCF Range
Min: 2.09   Max: 8.55
Current: 7.6

2.09
8.55
EV-to-EBIT 10.65
TMK's EV-to-EBIT is ranked higher than
83% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.45 vs. TMK: 10.65 )
TMK' s 10-Year EV-to-EBIT Range
Min: -8.4   Max: 11.3
Current: 10.65

-8.4
11.3
PEG 0.94
TMK's PEG is ranked higher than
91% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.81 vs. TMK: 0.94 )
TMK' s 10-Year PEG Range
Min: 0.63   Max: 25.02
Current: 0.94

0.63
25.02
Shiller P/E 17.00
TMK's Shiller P/E is ranked higher than
91% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 26.62 vs. TMK: 17.00 )
TMK' s 10-Year Shiller P/E Range
Min: 3.4   Max: 18.47
Current: 17

3.4
18.47

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.90
TMK's Dividend Yield is ranked lower than
84% of the 156 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.22 vs. TMK: 0.90 )
TMK' s 10-Year Dividend Yield Range
Min: 0.72   Max: 3.27
Current: 0.9

0.72
3.27
Dividend Payout 0.12
TMK's Dividend Payout is ranked higher than
93% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.40 vs. TMK: 0.12 )
TMK' s 10-Year Dividend Payout Range
Min: 0.02   Max: 12.4
Current: 0.12

0.02
12.4
Dividend growth (3y) 18.00
TMK's Dividend growth (3y) is ranked higher than
89% of the 118 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.60 vs. TMK: 18.00 )
TMK' s 10-Year Dividend growth (3y) Range
Min: -19.6   Max: 18
Current: 18

-19.6
18
Yield on cost (5-Year) 1.94
TMK's Yield on cost (5-Year) is ranked lower than
60% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.25 vs. TMK: 1.94 )
TMK' s 10-Year Yield on cost (5-Year) Range
Min: 1.55   Max: 7.05
Current: 1.94

1.55
7.05
Share Buyback Rate 8.90
TMK's Share Buyback Rate is ranked higher than
99% of the 136 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.70 vs. TMK: 8.90 )
TMK' s 10-Year Share Buyback Rate Range
Min: 8.9   Max: 1
Current: 8.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.76
TMK's Price/Tangible Book is ranked higher than
79% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.20 vs. TMK: 1.76 )
TMK' s 10-Year Price/Tangible Book Range
Min: 0.25   Max: 111.55
Current: 1.76

0.25
111.55
Price/DCF (Projected) 0.41
TMK's Price/DCF (Projected) is ranked higher than
91% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.26 vs. TMK: 0.41 )
TMK' s 10-Year Price/DCF (Projected) Range
Min: 0.21   Max: 0.81
Current: 0.41

0.21
0.81
Price/Median PS Value 1.10
TMK's Price/Median PS Value is ranked higher than
80% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.09 vs. TMK: 1.10 )
TMK' s 10-Year Price/Median PS Value Range
Min: 0.32   Max: 1.27
Current: 1.1

0.32
1.27
Price/Peter Lynch Fair Value 0.97
TMK's Price/Peter Lynch Fair Value is ranked higher than
92% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 9999.00 vs. TMK: 0.97 )
TMK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.28   Max: 2.12
Current: 0.97

0.28
2.12
Price/Graham Number 1.03
TMK's Price/Graham Number is ranked higher than
83% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.26 vs. TMK: 1.03 )
TMK' s 10-Year Price/Graham Number Range
Min: 0.12   Max: 1.59
Current: 1.03

0.12
1.59
Earnings Yield (Greenblatt) 9.40
TMK's Earnings Yield (Greenblatt) is ranked higher than
81% of the 171 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.40 vs. TMK: 9.40 )
TMK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 8.9   Max: 27.6
Current: 9.4

8.9
27.6
Forward Rate of Return (Yacktman) 25.56
TMK's Forward Rate of Return (Yacktman) is ranked higher than
86% of the 139 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.54 vs. TMK: 25.56 )
TMK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 15.5   Max: 52.6
Current: 25.56

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 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 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. 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 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. 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

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