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Globe Life Inc.

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
$10.87B
P/E (TTM)
9.9
14.5
Dividend Yield
0.8%
52W High
$147.83
52W Low
$109.38
52W Range
71%
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

Q3 2025 Data

Revenue

$1.51B+3.96%
4-Quarter Trend

EPS

$4.81+39.42%
4-Quarter Trend

FCF

$208.69M-32.96%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Net Income Growth Net income totaled $895M for nine months ended September 30, 2025, reflecting a strong 10% increase over the prior year period.
Diluted EPS Jump Diluted EPS reached $10.77, marking a significant 21% increase compared to $8.93 in the prior year period.
Total Premium Income Rises Total premium grew 5% to $3.65B, driven by Health premium increasing 8% to $1.13B year-to-date.
Strong Equity Growth Shareholders' equity increased to $5.69B by September 30, 2025, supported by strong net income results.

Risk Factors

Litigation Uncertainty Securities class action and derivative suits are pending; ultimate loss amount cannot be reasonably estimated at this time.
Equity Volatility Risk Inconsistent accounting for assets versus liabilities causes undue volatility in reported shareholders' equity presentation.
Investment Unrealized Loss Fixed maturity portfolio currently holds a net unrealized loss position of $1.1B as of September 30, 2025.
Economic Headwinds Inflation, geopolitical events, and regulatory changes present ongoing uncertainties impacting business assumptions.

Outlook

Share Repurchase Focus Excess cash flow primarily used for share repurchases, $515M utilized year-to-date 2025 for open market purchases.
Capital Adequacy Target Targeting consolidated Company Action Level RBC ratio of 300% to 320% for 2025 to support current ratings.
Core Operations Positive Expect continued positive trends in core operations, achieving operating ROE generally in the mid-teens for the medium term.
Investment Strategy Continue seeking highest risk-adjusted returns on fixed maturity acquisitions for portfolio, holding securities to maturity.

Peer Comparison

Revenue (TTM)

MetLife, Inc.MET
$71.29B
-0.1%
Lincoln National CorporationLNC
$19.35B
+55.8%
Unum GroupUNM
$13.02B
+1.8%

Gross Margin (Latest Quarter)

Assurant, Inc.AIZ
78.0%
+4.2pp
Old Republic International CorporationORI
64.8%
-0.6pp
Kinsale Capital Group, Inc.KNSL
45.2%
-54.8pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
MET$49.95B13.113.8%2.8%
UNM$12.73B14.28.2%5.9%
AIZ$11.69B14.015.7%6.2%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.1%
Moderate Growth
4Q Net Income CAGR
15.0%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Feb 4, 2026
|
EPS:$3.44
|
Revenue:$1.53B
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 5, 2025|
    Revenue: $1.51B+4.0%
    |
    EPS: $4.81+39.4%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 6, 2025|
    Revenue: $1.48B+2.9%
    |
    EPS: $3.09+12.4%
    Miss

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 7, 2025|
    Revenue: $1.48B+4.5%
    |
    EPS: $3.05+12.5%
    Miss

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 26, 2025|
    Revenue: $5.78B+6.1%
    |
    EPS: $11.99+17.4%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 6, 2024|
    Revenue: $1.46B+5.2%
    |
    EPS: $3.45+26.8%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 7, 2024|
    Revenue: $1.44B+8.6%
    |
    EPS: $2.75+21.7%
    Miss

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 8, 2024|
    Revenue: $1.42B+29.5%
    |
    EPS: $2.71+16.8%
    Meet

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 28, 2024|
    Revenue: $5.45B+4.5%
    |
    EPS: $10.21+35.2%
    Miss