
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
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
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)
MET$71.29B
$19.35B
UNM$13.02B
Gross Margin (Latest Quarter)
78.0%
64.8%
45.2%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| MET | $49.95B | 13.1 | 13.8% | 2.8% |
| UNM | $12.73B | 14.2 | 8.2% | 5.9% |
| AIZ | $11.69B | 14.0 | 15.7% | 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%BeatForm 10-Q - Q2 2025
Period End: Jun 30, 2025|Filed: Aug 6, 2025|Revenue: $1.48B+2.9%|EPS: $3.09+12.4%MissForm 10-Q - Q1 2025
Period End: Mar 31, 2025|Filed: May 7, 2025|Revenue: $1.48B+4.5%|EPS: $3.05+12.5%MissForm 10-K - FY 2024
Period End: Dec 31, 2024|Filed: Feb 26, 2025|Revenue: $5.78B+6.1%|EPS: $11.99+17.4%BeatForm 10-Q - Q3 2024
Period End: Sep 30, 2024|Filed: Nov 6, 2024|Revenue: $1.46B+5.2%|EPS: $3.45+26.8%BeatForm 10-Q - Q2 2024
Period End: Jun 30, 2024|Filed: Aug 7, 2024|Revenue: $1.44B+8.6%|EPS: $2.75+21.7%MissForm 10-Q - Q1 2024
Period End: Mar 31, 2024|Filed: May 8, 2024|Revenue: $1.42B+29.5%|EPS: $2.71+16.8%MeetForm 10-K - FY 2023
Period End: Dec 31, 2023|Filed: Feb 28, 2024|Revenue: $5.45B+4.5%|EPS: $10.21+35.2%Miss