Depends on where you hit them, and how. For example, large tankers seem remarkably resistant to torpedoes, but are usually easy to finish off with the deck gun (if you get into the blind spot of that gun they usually carry on the bow - so attack from behind). I usually give them a good spread (at least 3, up to 6 torpedoes along the length of their hull) to hopefully slow them down a bit, then surface behind them and shoot AP and HE until they become a big fireball.
Get a lucky hit on a munitions storage compartment and even a big warship will be destroyed quickly.
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