Globe Life Inc.

NYSE•GL

CEO: Mr. Frank Martin Svoboda

セクター: Financial Services

業種: Insurance - Life

上場日: 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.

連絡先情報

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

972-569-4000

www.home.globelifeinsurance.com

時価総額

$11.02B

PER (TTM)

9.6

13.9

配当利回り

0.8%

52週高値

$152.71

52週安値

$109.38

52週レンジ

67%

順位13Top 2.2%

6.8

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

強い • 6.8 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$1.52B+0.00%

直近4四半期の推移

EPS

$3.35+0.00%

直近4四半期の推移

フリーCF

$330.10M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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%.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

MET

$76.13B

+8.6%

LNC

$18.29B

+1.7%

UNM

$13.02B

+1.8%

粗利益率 (最新四半期)

PRI

80.8%

-1.0pp

AIZ

78.6%

+4.2pp

LNC

60.8%

+3.4pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
MET	$44.78B	13.4	12.0%	2.7%
UNM	$12.07B	16.4	6.6%	6.1%
GL	$11.02B	9.6	20.6%	8.5%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

1.0%

緩やかな成長

4四半期純利益CAGR

1.5%

収益性の緩やかな改善

キャッシュフロー安定性

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月28日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし