Globe Life Inc.

NYSE•GL

CEO: Mr. Frank Martin Svoboda

Sector: Financial Services

Industry: Insurance - Life

Listing Date: 1980-10-01

Globe Life Inc., through its subsidiaries, provides various life and supplemental health insurance products, and annuities to lower middle- and middle-income families in the United States. The company operates in four segments: Life Insurance, Supplemental Health Insurance, Annuities, and Investments. It offers whole, term, and other life insurance products; Medicare supplement and supplemental health insurance products, such as accident, cancer, critical illness, heart, and intensive care plans; and single-premium and flexible-premium deferred annuities. The company sells its products through its direct to consumer division, exclusive agencies, and independent agents. The company was formerly known as Torchmark Corporation and changed its name to Globe Life Inc. in August 2019. Globe Life Inc. was founded in 1900 and is headquartered in McKinney, Texas.

Contact Information

3700 South Stonebridge Drive, P. O. Box 8080, McKinney, TX, 75070-8080, United States

972-569-4000

www.home.globelifeinsurance.com

Market Cap

$11.52B

P/E (TTM)

10.1

14.1

Dividend Yield

0.7%

52W High

$152.71

52W Low

$109.38

52W Range

81%

Rank13Top 2.2%

6.8

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Strong • 6.8 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$1.52B+0.00%

4-Quarter Trend

EPS

$3.35+0.00%

4-Quarter Trend

FCF

$330.10M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Strong Net Income ROE Net income ROE reached 20.9% for 2025; net operating ROE excluding AOCI was 16.0%.

Total Premium Growth Total premium income grew 5% to $4.89 B; Health premium increased 9% to $1.53 B.

Life Underwriting Margin Rises Life insurance underwriting margin increased 12% to $1.51 B, driven by favorable assumption updates.

Share Repurchase Activity Company repurchased 5.4 M common shares for $685 M cost; book value per share up 11%.

Risk Factors

Independent Contractor Status Alleged misclassification of sales agents could result in substantial damages and increased operating costs.

Investment Portfolio Market Risk Fixed maturity portfolio fair value sensitive to interest rate shifts, potentially causing material unrealized losses.

Health Premium Rate Regulation Inability to secure timely Medicare Supplement premium rate increases could adversely impact profitability.

Information System Security Failure Failure to maintain policyholder information safety risks reputation, operations, and financial condition from cyber threats.

Outlook

Share Repurchase Continuation Expect share repurchases to remain primary use of excess cash flow, subject to capital maintenance needs.

Agency Force Technology Investment Focus on strengthening agency force via CRM tools and virtual recruiting to support sustainable sales growth.

Bermuda Reinsurance Structure Established GL Re in 2025; future regulatory changes may require additional capital contributions to structure.

Underserved Market Focus Maintain competitive advantage serving lower-middle income market with 60 years of data and experience.

Peer Comparison

Revenue (TTM)

MET

$76.13B

+8.6%

LNC

$18.29B

+1.7%

UNM

$13.02B

+1.8%

Gross Margin (Latest Quarter)

PRI

80.8%

-1.0pp

AIZ

78.6%

+4.2pp

GGAL

62.7%

+2.0pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
MET	$47.88B	14.3	12.0%	2.6%
UNM	$11.82B	16.0	6.6%	6.1%
AIZ	$11.66B	13.4	15.6%	6.1%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

1.0%

Moderate Growth

4Q Net Income CAGR

1.5%

Profitability Slowly Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Apr 28, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data