A Business at a Glance
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Table of Contents Part I Globe Life and the Company refer to Globe Life Inc., an insurance holding company incorporated in Delaware in 1979, and its subsidiaries and affiliates. Its primary subsidiaries are Globe Life And Accident Insurance Company, American Income Life Insurance Company, Liberty National Life Insurance Company, Family Heritage Life Insurance Company of America, and United American Insurance Company. Globe Life's website is: www.globelifeinsurance.com. Globe Life makes available free of charge through its website, its annual report on Form 10-K, its quarterly reports on Form 10-Q, current reports on Form 8-K, and amendments to those reports as soon as reasonably practicable after they have been electronically filed with or furnished to the Securities and Exchange Commission. Other information included in Globe Life's website is not incorporated into this filing.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 6.0B | 6.0B | 5.8B | 5.4B | 5.2B | 5.1B |
| Net Income | 1.2B | 1.2B | 1.1B | 971M | 894M | 745M |
| EPS | $14.07 | $14.07 | $11.94 | $10.07 | $9.04 | $7.22 |
| Free Cash Flow | 1.3B | 1.3B | 1.3B | 1.4B | 1.4B | 1.4B |
| ROIC | 13.7% | 14.6% | 14.0% | 15.9% | 16.0% | 7.3% |
| Gross Margin | 24.0% | 24.0% | 23.0% | 23.1% | 18.8% | 16.7% |
| Debt/Equity | 0.44 | 0.44 | 0.52 | 0.47 | 0.57 | 0.25 |
| Dividends/Share | $1.04 | $1.08 | $0.96 | $0.90 | $0.83 | $0.79 |
| Operating Income | 1.4B | 1.4B | 1.3B | 1.3B | 991M | 865M |
| Operating Margin | 24.0% | 24.0% | 23.0% | 23.2% | 19.0% | 16.9% |
| ROE | 19.4% | 20.6% | 20.2% | 21.6% | 22.6% | 8.6% |
| Shares Outstanding | 83M | 83M | 90M | 96M | 99M | 103M |
GLOBE LIFE INC. passes 5 of 9 quality checks, suggesting mixed fundamentals.
GLOBE LIFE INC. trades at 10.5x trailing earnings, compared to its 15-year median P/E of 12.2x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 9.3x vs a median of 7.2x. The company's 5-year average ROIC is 13.6% with a gross margin of 21.1%. Total shareholder yield (dividends + buybacks) is 7.9%. At current prices, the estimated annualized return to fair value is +5.7%.
GLOBE LIFE INC. (GL) has a current P/E ratio of 10.5, compared to its historical median P/E of 12.2. The stock is currently considered Fair based on its historical valuation range.
GLOBE LIFE INC. (GL) has a 5-year average return on invested capital (ROIC) of 13.6%. This indicates solid capital allocation.
GLOBE LIFE INC. (GL) has a market capitalization of $12.2B. It is classified as a large-cap stock.
Yes, GLOBE LIFE INC. (GL) pays a dividend with a trailing twelve-month yield of 0.71%. The company also returns capital through share buybacks, with a buyback yield of 7.23%.
Based on historical P/E analysis, GLOBE LIFE INC. (GL) appears fair. The current P/E of 10.5 is 14% below its historical median of 12.2. The estimated fair value CAGR (P/E method) is 10.1%.
GLOBE LIFE INC. (GL) operates in the Life Insurance industry, within the Financials sector.
GLOBE LIFE INC. (GL) reported annual revenue of $6.0 billion in its most recent fiscal year, based on SEC EDGAR filings.
GLOBE LIFE INC. (GL) has a net profit margin of 19.4%. This is a healthy margin.
GLOBE LIFE INC. (GL) generated $1.3 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
GLOBE LIFE INC. (GL) has a debt-to-equity ratio of 0.44. This indicates a conservatively financed balance sheet.
GLOBE LIFE INC. (GL) reported earnings per share (EPS) of $14.07 in its most recent fiscal year.
GLOBE LIFE INC. (GL) has a return on equity (ROE) of 20.6%. This indicates the company generates strong returns for shareholders.
GLOBE LIFE INC. (GL) has a 5-year average gross margin of 21.1%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 19 years of financial data for GLOBE LIFE INC. (GL), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
GLOBE LIFE INC. (GL) has a book value per share of $72.39, based on its most recent annual SEC filing.