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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.07
TMK's Cash-to-Debt is ranked lower than
97% of the 92 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.48 vs. TMK: 0.07 )
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: 0.37
Current: 0.07
0
0.37
Equity-to-Asset 0.22
TMK's Equity-to-Asset is ranked higher than
82% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.08 vs. TMK: 0.22 )
Ranked among companies with meaningful Equity-to-Asset only.
TMK' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.15  Med: 0.21 Max: 0.25
Current: 0.22
0.15
0.25
Debt-to-Equity 0.29
TMK's Debt-to-Equity is ranked lower than
52% of the 58 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.28 vs. TMK: 0.29 )
Ranked among companies with meaningful Debt-to-Equity only.
TMK' s Debt-to-Equity Range Over the Past 10 Years
Min: 0  Med: 0.27 Max: 0.62
Current: 0.29
0
0.62
Debt-to-EBITDA 1.68
TMK's Debt-to-EBITDA is ranked lower than
60% of the 57 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.17 vs. TMK: 1.68 )
Ranked among companies with meaningful Debt-to-EBITDA only.
TMK' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.74  Med: 1.46 Max: 1.78
Current: 1.68
0.74
1.78
Interest Coverage 9.32
TMK's Interest Coverage is ranked lower than
76% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 103.48 vs. TMK: 9.32 )
Ranked among companies with meaningful Interest Coverage only.
TMK' s Interest Coverage Range Over the Past 10 Years
Min: 8.25  Med: 9.73 Max: 11.79
Current: 9.32
8.25
11.79
WACC vs ROIC
7.29%
8.88%
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 : 6/10

vs
industry
vs
history
Operating Margin % 19.19
TMK's Operating Margin % is ranked higher than
80% of the 92 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.16 vs. TMK: 19.19 )
Ranked among companies with meaningful Operating Margin % only.
TMK' s Operating Margin % Range Over the Past 10 Years
Min: 18.53  Med: 21.39 Max: 22.85
Current: 19.19
18.53
22.85
Net Margin % 13.97
TMK's Net Margin % is ranked higher than
82% of the 92 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.08 vs. TMK: 13.97 )
Ranked among companies with meaningful Net Margin % only.
TMK' s Net Margin % Range Over the Past 10 Years
Min: 13  Med: 14.74 Max: 15.13
Current: 13.97
13
15.13
ROE % 11.53
TMK's ROE % is ranked higher than
68% of the 91 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.29 vs. TMK: 11.53 )
Ranked among companies with meaningful ROE % only.
TMK' s ROE % Range Over the Past 10 Years
Min: 11.53  Med: 12.94 Max: 16.3
Current: 11.53
11.53
16.3
ROA % 2.56
TMK's ROA % is ranked higher than
79% of the 92 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.70 vs. TMK: 2.56 )
Ranked among companies with meaningful ROA % only.
TMK' s ROA % Range Over the Past 10 Years
Min: 2.56  Med: 2.93 Max: 3.49
Current: 2.56
2.56
3.49
3-Year Revenue Growth Rate 8.70
TMK's 3-Year Revenue Growth Rate is ranked higher than
61% of the 85 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.70 vs. TMK: 8.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
TMK' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -52.6  Med: 8.8 Max: 122.8
Current: 8.7
-52.6
122.8
3-Year EBITDA Growth Rate 5.30
TMK's 3-Year EBITDA Growth Rate is ranked higher than
57% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.20 vs. TMK: 5.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
TMK' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -50.6  Med: 10.1 Max: 127.9
Current: 5.3
-50.6
127.9
3-Year EPS without NRI Growth Rate 6.70
TMK's 3-Year EPS without NRI Growth Rate is ranked higher than
64% of the 78 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.60 vs. TMK: 6.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
TMK' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -4.8  Med: 9.6 Max: 20.3
Current: 6.7
-4.8
20.3
GuruFocus has detected 6 Warning Signs with Torchmark Corp TMK.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» TMK's 30-Y Financials

Financials (Next Earnings Date: 2017-10-24)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2016

TMK Guru Trades in Q3 2016

Keeley Asset Management Corp 4,019 sh (+0.22%)
Warren Buffett 6,353,727 sh (unchged)
David Dreman 796 sh (unchged)
Ray Dalio Sold Out
Tweedy Browne 189,402 sh (-0.59%)
Ken Fisher 221,606 sh (-7.61%)
Richard Pzena 518,808 sh (-38.93%)
» More
Q4 2016

TMK Guru Trades in Q4 2016

Warren Buffett 6,353,727 sh (unchged)
Keeley Asset Management Corp Sold Out
Richard Pzena 513,733 sh (-0.98%)
Tweedy Browne 185,565 sh (-2.03%)
Ken Fisher 212,173 sh (-4.26%)
David Dreman 269 sh (-66.21%)
» More
Q1 2017

TMK Guru Trades in Q1 2017

Warren Buffett 6,353,727 sh (unchged)
David Dreman Sold Out
Tweedy Browne 181,238 sh (-2.33%)
Richard Pzena 480,175 sh (-6.53%)
Ken Fisher 193,665 sh (-8.72%)
» More
Q2 2017

TMK Guru Trades in Q2 2017

Jim Simons 352,900 sh (New)
David Dreman 83 sh (New)
Warren Buffett 6,353,727 sh (unchged)
Richard Pzena 477,661 sh (-0.52%)
Ken Fisher 190,832 sh (-1.46%)
Tweedy Browne 123,396 sh (-31.91%)
» 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
Richard Pzena 2017-06-30 Reduce -0.52%$74.11 - $77.77 $ 82.539%477,661
Ken Fisher 2017-06-30 Reduce -1.46%$74.11 - $77.77 $ 82.539%190,832
Tweedy Browne 2017-06-30 Reduce -31.91%0.13%$74.11 - $77.77 $ 82.539%123,396
David Dreman 2017-06-30 New Buy$74.11 - $77.77 $ 82.539%83
Richard Pzena 2017-03-31 Reduce -6.53%0.01%$73 - $78.71 $ 82.539%480,175
Ken Fisher 2017-03-31 Reduce -8.72%$73 - $78.71 $ 82.539%193,665
Tweedy Browne 2017-03-31 Reduce -2.33%0.01%$73 - $78.71 $ 82.539%181,238
David Dreman 2017-03-31 Sold Out 0.01%$73 - $78.71 $ 82.539%0
Richard Pzena 2016-12-31 Reduce -0.98%$63.17 - $74.83 $ 82.5320%513,733
Ken Fisher 2016-12-31 Reduce -4.26%$63.17 - $74.83 $ 82.5320%212,173
Tweedy Browne 2016-12-31 Reduce -2.03%0.01%$63.17 - $74.83 $ 82.5320%185,565
David Dreman 2016-12-31 Reduce -66.21%0.02%$63.17 - $74.83 $ 82.5320%269
Keeley Asset Management Corp 2016-12-31 Sold Out 0.01%$63.17 - $74.83 $ 82.5320%0
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Business Description

Industry: Insurance - Life » Insurance - Life    NAICS: 524113    SIC: 6311
Compare:XBRU:AGS, SGX:G07, NSE:ICICIPRULI, HKSE:00966, TSE:8795, JSE:SLM, TSX:POW, LSE:STJ, NAS:BHF, ASX:AMP, NYSE:UNM, JSE:DSY, LSE:OML, TSE:7181, XKRX:088350, NYSE:CNO, LSE:PHNX, OSL:STB, NYSE:PRI, TPE:2823 » details
Traded in other countries:TMJ.Germany, 0Q1Q.UK,
Headquarter Location:USA
Torchmark Corp is a life and health insurance provider. The company through its Life Insurance and Health Insurance segments offers various plans and policies to several niche target groups.

Torchmark offers life and health insurance products to several niche target groups. The life insurance segment, which contributes to 70% of annual premium revenue, focuses primarily on traditional whole life and term life policies. The health insurance segment offers Medicare supplement policies, Medicare Part D prescription drug insurance, and limited-benefit plans. About a third of annual premiums are generated through the direct-response channel, while the rest is through agents.

Ratios

vs
industry
vs
history
PE Ratio 17.75
TMK's PE Ratio is ranked lower than
69% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.76 vs. TMK: 17.75 )
Ranked among companies with meaningful PE Ratio only.
TMK' s PE Ratio Range Over the Past 10 Years
Min: 3.63  Med: 11.67 Max: 17.75
Current: 17.75
3.63
17.75
PE Ratio without NRI 18.30
TMK's PE Ratio without NRI is ranked lower than
71% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.76 vs. TMK: 18.30 )
Ranked among companies with meaningful PE Ratio without NRI only.
TMK' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.85  Med: 11.64 Max: 18.3
Current: 18.3
3.85
18.3
Price-to-Owner-Earnings 18.18
TMK's Price-to-Owner-Earnings is ranked lower than
73% of the 56 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.30 vs. TMK: 18.18 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
TMK' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.57  Med: 11.6 Max: 18.18
Current: 18.18
3.57
18.18
PB Ratio 1.91
TMK's PB Ratio is ranked lower than
70% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.19 vs. TMK: 1.91 )
Ranked among companies with meaningful PB Ratio only.
TMK' s PB Ratio Range Over the Past 10 Years
Min: 0.71  Med: 1.52 Max: 2.21
Current: 1.91
0.71
2.21
PS Ratio 2.48
TMK's PS Ratio is ranked lower than
84% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.90 vs. TMK: 2.48 )
Ranked among companies with meaningful PS Ratio only.
TMK' s PS Ratio Range Over the Past 10 Years
Min: 0.47  Med: 1.72 Max: 2.48
Current: 2.48
0.47
2.48
Price-to-Free-Cash-Flow 6.62
TMK's Price-to-Free-Cash-Flow is ranked lower than
51% of the 55 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.02 vs. TMK: 6.62 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
TMK' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.09  Med: 6.23 Max: 9.24
Current: 6.62
2.09
9.24
Price-to-Operating-Cash-Flow 6.50
TMK's Price-to-Operating-Cash-Flow is ranked lower than
53% of the 62 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.84 vs. TMK: 6.50 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
TMK' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.07  Med: 6.13 Max: 9.01
Current: 6.5
2.07
9.01
EV-to-EBIT 12.70
TMK's EV-to-EBIT is ranked lower than
75% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.68 vs. TMK: 12.70 )
Ranked among companies with meaningful EV-to-EBIT only.
TMK' s EV-to-EBIT Range Over the Past 10 Years
Min: 3.3  Med: 8.2 Max: 12.9
Current: 12.7
3.3
12.9
EV-to-EBITDA 12.70
TMK's EV-to-EBITDA is ranked lower than
78% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.33 vs. TMK: 12.70 )
Ranked among companies with meaningful EV-to-EBITDA only.
TMK' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.3  Med: 8.2 Max: 12.9
Current: 12.7
3.3
12.9
EV-to-Revenue 2.70
TMK's EV-to-Revenue is ranked lower than
87% of the 79 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.01 vs. TMK: 2.70 )
Ranked among companies with meaningful EV-to-Revenue only.
TMK' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.7  Med: 1.9 Max: 2.7
Current: 2.7
0.7
2.7
PEG Ratio 2.65
TMK's PEG Ratio is ranked lower than
76% of the 49 Companies
in the Global Insurance - Life industry.

( Industry Median: 9999.00 vs. TMK: 2.65 )
Ranked among companies with meaningful PEG Ratio only.
TMK' s PEG Ratio Range Over the Past 10 Years
Min: 0.63  Med: 1.32 Max: 12.51
Current: 2.65
0.63
12.51
Shiller PE Ratio 22.96
TMK's Shiller PE Ratio is ranked lower than
63% of the 43 Companies
in the Global Insurance - Life industry.

( Industry Median: 19.84 vs. TMK: 22.96 )
Ranked among companies with meaningful Shiller PE Ratio only.
TMK' s Shiller PE Ratio Range Over the Past 10 Years
Min: 3.95  Med: 15.42 Max: 22.96
Current: 22.96
3.95
22.96

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.72
TMK's Dividend Yield % is ranked lower than
99.99% of the 130 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.26 vs. TMK: 0.72 )
Ranked among companies with meaningful Dividend Yield % only.
TMK' s Dividend Yield % Range Over the Past 10 Years
Min: 0.71  Med: 0.93 Max: 3.27
Current: 0.72
0.71
3.27
Dividend Payout Ratio 0.13
TMK's Dividend Payout Ratio is ranked higher than
89% of the 93 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.28 vs. TMK: 0.13 )
Ranked among companies with meaningful Dividend Payout Ratio only.
TMK' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.09  Med: 0.12 Max: 0.13
Current: 0.13
0.09
0.13
3-Year Dividend Growth Rate 7.30
TMK's 3-Year Dividend Growth Rate is ranked lower than
55% of the 58 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.10 vs. TMK: 7.30 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
TMK' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -19.6  Med: 5.6 Max: 21.9
Current: 7.3
-19.6
21.9
Forward Dividend Yield % 0.73
TMK's Forward Dividend Yield % is ranked lower than
99.99% of the 128 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.55 vs. TMK: 0.73 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.37
TMK's 5-Year Yield-on-Cost % is ranked lower than
99.99% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.32 vs. TMK: 1.37 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
TMK' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.35  Med: 1.77 Max: 6.21
Current: 1.37
1.35
6.21
3-Year Average Share Buyback Ratio 4.20
TMK's 3-Year Average Share Buyback Ratio is ranked higher than
93% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.20 vs. TMK: 4.20 )
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: 0.6  Med: 4.2 Max: 21.5
Current: 4.2
0.6
21.5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.09
TMK's Price-to-Tangible-Book is ranked lower than
61% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.49 vs. TMK: 2.09 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
TMK' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.94  Med: 2.1 Max: 3.64
Current: 2.09
0.94
3.64
Price-to-Intrinsic-Value-Projected-FCF 0.59
TMK's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
60% of the 48 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.54 vs. TMK: 0.59 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
TMK' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.21  Med: 0.51 Max: 1.08
Current: 0.59
0.21
1.08
Price-to-Median-PS-Value 1.45
TMK's Price-to-Median-PS-Value is ranked lower than
85% of the 72 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.07 vs. TMK: 1.45 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
TMK' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.42  Med: 0.92 Max: 1.48
Current: 1.45
0.42
1.48
Price-to-Peter-Lynch-Fair-Value 3.42
TMK's Price-to-Peter-Lynch-Fair-Value is ranked lower than
96% of the 23 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.85 vs. TMK: 3.42 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
TMK' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.28  Med: 1.16 Max: 3.6
Current: 3.42
0.28
3.6
Price-to-Graham-Number 1.31
TMK's Price-to-Graham-Number is ranked lower than
60% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.01 vs. TMK: 1.31 )
Ranked among companies with meaningful Price-to-Graham-Number only.
TMK' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.57  Med: 1.05 Max: 1.6
Current: 1.31
0.57
1.6
Earnings Yield (Greenblatt) % 7.87
TMK's Earnings Yield (Greenblatt) % is ranked lower than
63% of the 91 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.07 vs. TMK: 7.87 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
TMK' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 7.7  Med: 12.2 Max: 30.6
Current: 7.87
7.7
30.6
Forward Rate of Return (Yacktman) % 15.68
TMK's Forward Rate of Return (Yacktman) % is ranked lower than
59% of the 64 Companies
in the Global Insurance - Life industry.

( Industry Median: 20.94 vs. TMK: 15.68 )
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: 15.68  Med: 22.4 Max: 52.8
Current: 15.68
15.68
52.8

More Statistics

Revenue (TTM) (Mil) $4,017.78
EPS (TTM) $ 4.65
Beta0.90
Short Percentage of Float1.32%
52-Week Range $62.86 - 82.43
Shares Outstanding (Mil)116.32

Analyst Estimate

Dec17 Dec19
Revenue (Mil $)
EPS ($) 4.68 5.60
EPS without NRI ($) 4.68 5.60
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.60 0.71

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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