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
$11.52B
P/E (TTM)
10.1
14.1
Dividend Yield
0.7%
52W High
$152.71
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
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)
$76.13B
$18.29B
$13.02B
Gross Margin (Latest Quarter)
80.8%
78.6%
62.7%
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