Torchmark Corporation: Company Profile and SWOT Analysis by WMIntelligence

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This SWOT analysis and company profile is a crucial resource for industry executives and anyone looking to gain a better understanding of the company's business.

WMI's 'Torchmark Corporation: Company Profile and SWOT Analysis' report utilizes a wide range of primary and secondary sources, which are analyzed and presented in a consistent and easily accessible format.

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									Torchmark Corporation

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Torchmark Corporation                                                         Financial Snapshot

                                                                              Operating Performance
Fast Facts
                                       3700 S. Stonebridge Drive, MCKINNEY,   The company reported revenue of US$3,377.40
Headquarters Address
                                       75070-8080,United States of America    million during the fiscal year 2011 (2011). The
                                                                              company's revenue declined at a compounded rate of
Telephone                              + 1 972 5693627
                                                                              0.79% during 2007 - 2011, with an annual growth of
                                                                              0.29% over 2010. In 2011, the company recorded an
Fax                                    + 1 972 5693282                        operating margin of 15.33%, as against 15.35% in
                                                                              2010.
Website                                www.torchmarkcorp.com

Ticker Symbol, Stock Exchange          TMK, New York Stock Exchange           Revenue and Margins

Number of Employees                    2,249

Fiscal Year End                        December

Revenue (in US$ million)               3,377.40




SWOT Analysis

Strengths                              Weaknesses
                                                                              Return on Equity
Products branded with subsidiaries     Non-diversification
                                                                              The company recorded a return on equity (ROE) of
                                                                              12.25% for 2011, as compared to its peers, American
Strong top-line performance            Overdependence on one segment          International Group, Inc. (AIG), Prudential Financial,
                                                                              Inc. (PRU) and Lincoln National Corporation (LNC),
Opportunities                          Threats                                which recorded ROEs of 16.96%, 9.85% and 2.08%
                                                                              respectively. The company reported an operating
Favorable phase for life and annuity                                          margin of 15.33% in 2011.
                                       Catastrophic losses
market

Focus on new product launches          Changing regulations                   Return on Equity


                                       Volatile interest rates




                                                                              Liquidity Position

                                                                              The company reported a current ratio of 0.24 in 2011,
                                                                              as compared to its peers, American International
                                                                              Group, Inc., Prudential Financial, Inc. and Lincoln
                                                                              National Corporation, which recorded current ratios of
                                                                              0.72, 0.72 and 0.40 respectively. As of December
                                                                              2011, the company recorded cash and short-term
                                                                              investments of worth US$0.00 million, against zero
                                                                              current debt. The company reported a debt to equity
                                                                              ratio of 0.00 in 2011 as compared to its peers,
                                                                              American International Group, Inc., Prudential
                                                                              Financial, Inc. and Lincoln National Corporation,
                                                                              which recorded debt to equity ratios of 0.01, 0.01 and
                                                                              0.00 respectively.




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Torchmark Corporation - SWOT Profile                                                                                  Page 1
Torchmark Corporation

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TABLE OF CONTENTS

1     Business Analysis ................................................................................................................................... 5
    1.1       Company Overview ................................................................................................................................................5
    1.2       Business Description ..............................................................................................................................................5
    1.3       Major Products and Services .................................................................................................................................6
2     Analysis of Key Performance Indicators ............................................................................................... 7
    2.1       Five Year Snapshot: Overview of Financial and Operational Performance Indicators ..........................................7
    2.2       Key Financial Performance Indicators ...................................................................................................................9
      2.2.1       Total Revenues and Operating Profit ................................................................................................................9
      2.2.2       Total Premiums Earned ...................................................................................................................................10
      2.2.3       Asset, Liabilities and Capex .............................................................................................................................11
      2.2.4       Gearing Ratio ...................................................................................................................................................12
      2.2.5       Valuation ..........................................................................................................................................................13
    2.3       Competitive Benchmarking ..................................................................................................................................14
      2.3.1       Market Capitalization .......................................................................................................................................14
      2.3.2       Efficiency ..........................................................................................................................................................15
      2.3.3       Total Premiums Earned ...................................................................................................................................16
      2.3.4       Asset Turnover .................................................................................................................................................17
3     Recent Developments ........................................................................................................................... 18
4     SWOT Analysis ...................................................................................................................................... 19
    4.1       SWOT Analysis - Overview ..................................................................................................................................19
    4.2       Strengths ..............................................................................................................................................................19
    4.3       Weaknesses .........................................................................................................................................................19
    4.4       Opportunities ........................................................................................................................................................19
    4.5       Threats .................................................................................................................................................................20
5     History .................................................................................................................................................... 21
6     Key Employees ...................................................................................................................................... 22
7     Key Employee Biographies................................................................................................................... 24
8     Locations and Subsidiaries .................................................................................................................. 25
    8.1       Head Office ..........................................................................................................................................................25
    8.2       Other Locations and Subsidiaries ........................................................................................................................25
9     Appendix ................................................................................................................................................ 26
    9.1       Methodology ..................................................................................................................................................
								
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