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Globe Life Inc. GL SPX

Financial Services · Insurance - Life · United States
https://home.globelifeinsurance.com

Globe Life Inc., through its subsidiaries, provides various life and supplemental health insurance products to lower middle- and middle-income families in the United States. It operates in three segments: Life Insurance, Supplemental Health Insurance, and Investments. The company offers whole, term, and other life insurance products, as well as life insurance for children; Medicare supplement and limited-benefit supplemental health insurance products, such as accident, cancer, critical illness, heart, intensive care, and other health products; and final expense, accidental death, mortgage protection, and hospital insurance products. It sells its products through direct-to-consumer channels, exclusive independent agents, general agency independent agents, and brokers. 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.

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$153.24
+26.81% 1Y

Market & Price

Market Cap
$11.90B
Current Price
$153.24
High / Low (52W)
$157.35 / $116.87
Beta
0.50

Valuation

Stock P/E
10.60
Industry PE
12.01
Forward P/E
9.20
PEG Ratio
1.30
Book Value
$78.12
Price to Book
1.96
P/S
1.96
EV/EBITDA
8.99
Dividend Yield
0.86%

Profitability & Returns

ROCE
-
ROE
20.46%
ROA
3.31%
Profit Margin
19.38%
Op Margin
23.75%
EPS (Latest Qtr)
$3.39
EPS (TTM)
$14.45

Balance Sheet & Liquidity

Debt/Equity
0.54
Quick Ratio
0.53
Current Ratio
0.66
Debt
$3.26B
Total Assets
$30.81B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
0.69%
Chg in Prom Hold
-
FII / Inst Holding
86.56%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$14.72B
Total Revenue (TTM)
$6.07B
EBITDA
$1.64B
Free Cash Flow
$1.32B
Operating Cash Flow
$1.39B
Shares Outstanding
77.64M
Gross Margin
33.73%
Payout Ratio
7.89%

Growth (CAGR)

Revenue 5Y
4.67%
Profit 5Y
9.09%
Revenue (YoY)
5.40%
Earnings (YoY)
12.60%

PROS

  • Strong return on equity of 20.5%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 GL Globe Life Inc. SPX 153.24 10.60 $11.90B 0.86% - 20.46% 4.67% 9.09%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 977.63M991.88M989.77M975.35M1.02B1.03B1.05B1.06B1.07B1.08B1.08B1.06B1.12B1.13B1.14B1.14B1.13B1.18B1.20B1.23B1.27B1.27B1.28B1.30B1.29B1.30B1.34B1.32B1.33B1.38B1.42B1.42B1.44B1.46B-1.48B1.48B1.51B1.52B1.56B
Cost of Revenue ----------------------------------------
Gross Profit 195.16M195.34M197.98M-197.49M202.63M208.01M-210.89M215.05M219.30M-226.77M223.61M235.39M-229.02M217.03M230.04M-190.64M236.58M220.32M301.42M306.89M263.93M-305.16M310.35M321.01M-326.72M334.91M379.15M------
Operating Expenses ----------------------------------------
Operating Income 195.16M195.34M198.24M-197.49M204.72M209.41M-210.89M215.05M224.47M-227.17M229.11M235.39M-232.29M217.03M231.07M-195.47M236.84M222.72M301.53M311.51M265.35M-305.16M310.35M322.14M-327.43M338.60M383.12M-351.07M348.18M513.24M367.05M365.84M
EBITDA ----------------------------------------
Interest Expense -----------------------------------34.99M34.88M36.13M37.56M31.71M
Pretax Income -----------------------------------316.08M313.30M477.10M329.49M334.13M
Tax Provision -----------------------------------61.52M60.55M89.26M63.41M63.61M
Net Income 124.03M138.43M151.87M135.45M133.54M140.27M153.33M1.03B173.60M184.43M178.72M164.72M185.34M186.57M201.82M187.06M165.54M173.05M188.94M204.24M178.52M199.62M188.87M237.48M223.97M190.59M242.34M223.61M215.26M257.08M274.80M254.22M258.36M302.99M-254.56M252.75M387.84M266.08M270.53M
Diluted EPS 1.011.131.251.121.111.181.298.711.491.591.551.451.651.671.821.691.521.621.761.931.701.921.842.372.261.942.462.282.242.682.882.672.833.44-3.013.054.733.293.39

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 3.49B3.20B3.12B3.37B3.38B3.59B3.49B3.62B3.77B3.93B4.16B4.30B4.53B4.74B-5.23B5.45B5.78B5.99B
Cost of Revenue -------------------
Gross Profit --706.57M713.23M697.88M728.16M747.33M761.13M774.98M782.92M807.04M865.48M910.66M901.05M-----
Operating Expenses -------------------
Operating Income --706.92M722.38M732.03M753.59M756.09M771.64M776.37M787.27M821.16M870.64M920.06M905.36M-1.19B1.30B1.45B1.58B
EBITDA -------------------
Interest Expense ---------------90.39M102.32M127.09M141.22M
Pretax Income ---------------1.10B1.19B1.33B1.44B
Tax Provision ---------------207.72M223.51M255.88M274.74M
Net Income 527.53M452.26M404.95M498.87M497.16M529.32M528.47M542.94M527.10M549.78M1.45B701.47M760.79M731.77M-894.39M970.75M1.07B1.16B
Diluted EPS 5.505.113.254.054.533.603.794.094.164.4912.226.096.836.82-7.4710.0711.9414.07

Compounded Sales Growth

5 Years:4.67%
1 Year:5.40%

Compounded Profit Growth

5 Years:9.09%
1 Year:12.60%

Stock Price Performance

1 Year:+26.81%
6 Months:+13.69%
3 Months:+5.74%
1 Month:+0.46%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2006Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Jan 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Dec 2024Dec 2025
Total Assets --13.53B16.02B16.16B16.59B18.78B18.19B20.27B19.85B21.44B23.47B23.10B25.98B29.05B--28.22B26.42B25.25B25.99B26.92B26.77B26.22B28.05B29.08B30.81B
Current Assets ---------------------------
Cash & Equivalents 16.72M20.10M46.40M231.92M365.68M84.11M61.71M-------------92.56M---103.16M165.32M144.70M
Inventory ---------------------------
Receivables --------------------589.17M---630.22M691.91M768.59M
Total Liabilities --11.31B12.62B12.14B12.73B14.42B14.42B15.57B15.80B16.87B17.24B17.68B18.68B20.28B--25.67B23.20B21.64B22.04B23.08B22.79B21.60B23.56B23.77B24.84B
Current Liabilities ---------------------------
Long Term Debt --499.05M796.05M789.64M790.57M989.69M--743.73M1.13B1.13B1.36B1.35B1.67B-----1.63B---1.63B2.32B2.32B
Total Debt --------------------2.08B---2.12B2.74B2.63B
Total Equity 3.46B3.32B2.22B3.07B3.67B3.86B4.36B3.78B4.70B4.06B4.57B6.23B5.42B7.29B8.77B933.52M----3.95B---4.49B5.31B5.97B
Shares Outstanding --------------------105.22M---102.22M97.22M92.22M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 850.00M730.61M976.11M1.03B859.46M942.84M1.12B864.71M1.12B1.40B1.43B1.28B1.36B1.48B-1.42B1.48B1.40B1.40B
Investing Cash Flow -502.60M-432.25M-937.10M-557.64M-312.13M-698.04M-614.38M-350.16M-633.35M-1.06B-926.82M-896.22M-809.31M-1.18B--943.01M-926.15M-641.52M-643.62M
Financing Cash Flow -346.75M-261.26M148.44M-329.62M-824.49M-269.11M-535.92M-499.96M-525.71M-319.79M-453.98M-391.52M-590.51M-274.06M--492.45M-541.49M-715.84M-768.05M
Capital Expenditure -24.16M-9.80M-6.50M-9.18M-5.39M-4.67M-11.17M-19.37M-36.96M-25.16M-20.29M-45.09M-42.20M-41.76M--27.93M-49.55M-71.05M-142.48M
Free Cash Flow 825.84M720.81M969.61M1.02B854.08M938.17M1.11B845.34M1.08B1.37B1.41B1.23B1.32B1.43B-1.39B1.43B1.33B1.25B
Net Change in Cash ----------------13.27M14.79M45.09M-15.28M
Share Buybacks 451.79M455.74M47.56M246.01M972.56M570.16M482.26M449.31M418.53M404.78M412.99M421.75M459.57M443.87M541.43M454.64M511.10M1.00B880.98M
Dividends Paid 49.58M48.80M46.62M50.06M49.12M55.53M60.91M65.01M66.90M66.93M68.83M71.42M74.19M78.19M80.04M80.55M84.12M85.48M86.07M

Ratios (Annual)

Figures in %.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % --22.7%21.2%20.7%20.3%21.4%21.0%20.6%19.9%19.4%20.1%20.1%19.0%-----
Operating Margin % --22.7%21.5%21.7%21.0%21.6%21.3%20.6%20.0%19.8%20.2%20.3%19.1%-22.8%23.8%25.2%26.3%
Net Margin % 15.1%14.1%13.0%14.8%14.7%14.7%15.1%15.0%14.0%14.0%35.0%16.3%16.8%15.4%-17.1%17.8%18.5%19.4%
ROE % 15.9%20.3%13.2%13.6%12.9%12.1%14.0%11.6%13.0%12.0%23.3%13.0%10.4%8.3%-22.6%21.6%20.2%19.4%
ROCE % -------------------

Shareholding Pattern

Insiders
0.69%
Institutions
86.56%
Public Float
87.16%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 7.14% 5.54M $849.34M
2 Vanguard Capital Management LLC 6.63% 5.15M $789.18M
3 Vanguard Portfolio Management LLC 5.48% 4.25M $651.90M
4 Invesco Ltd. 5.17% 4.02M $615.47M
5 State Street Corporation 4.71% 3.66M $560.65M
6 Geode Capital Management, LLC 3.52% 2.73M $418.24M
7 Dimensional Fund Advisors LP 3.03% 2.35M $360.60M
8 Morgan Stanley 2.49% 1.93M $296.04M
9 Nuveen, LLC 1.93% 1.50M $229.68M
10 Arrowstreet Capital, Limited Partnership 1.81% 1.40M $214.99M

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