PROTECTIVE LIFE CORP
Financials · Life Insurance · DE · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | |
|---|---|---|---|---|---|---|
| Revenue | $1.17B | $1.11B | $4.48B | $3.71B | $1.09B | $932.8M |
| Operating income | $478.5M | $506.9M | $503.4M | $484.4M | $652.2M | $515.2M |
| Net income | $74.1M | $75.4M | $393.0M | $268.3M | $83.6M | $78.3M |
| Total assets | $89.94B | $79.63B | $75.00B | — | $70.48B | $68.76B |
| Total liabilities | $84.17B | $72.50B | $69.53B | — | $65.52B | $65.04B |
| Equity | $5.77B | $7.13B | $5.47B | $4.58B | $4.96B | $3.71B |
| EPS (diluted) | — | — | — | — | $1.03 | $0.97 |
| Shares out. | 1,000 | 1,000 | 1,000 | 1,000 | 78.6M | 78.1M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2018- Operating margin
- 41.0%
- Net margin
- 6.4%
- Return on equity
- 1.3%
- Return on assets
- 0.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 93.6%
- Debt / equity
- 14.59×
- Book value / share
- $5767734.00
- Revenue growth (YoY)
- 5.5%
- Net income growth (YoY)
- −1.7%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2018- Accruals / assets
- 0.2%clean
- Piotroski F-Score
- 2/8weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 2 warning● 3 good- High leverage (liabilities > 70% of assets)
- Negative operating cash flow
- Operating margin is positive
- Revenue is growing year-over-year
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Material events
SEC Form 8-K · most recent- Director / officer changeOct 11, 2019
- Entered a material agreement · New financial obligationSep 20, 2019
- Entered a material agreement · Completed an acquisition or disposition · New financial obligation · Other material eventJun 5, 2019
- Director / officer changeMay 31, 2019
- Director / officer change · Shareholder voteApr 30, 2019
- Changed auditorMar 8, 2019
- Changed auditor · Amended charter or bylawsMar 1, 2019
- Entered a material agreement · Other material eventJan 25, 2019
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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