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GL

Globe Life Inc.

GL

Globe Life Inc. • NYSE
$134.73 ▼ -0.10% (-0.14)
Market Cap $10.73 B
52w High $147.83
52w Low $100.27
Dividend Yield 1.05%
P/E 9.78
Volume 208.58K
Outstanding Shares 79.61M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $1.513B ▲ $147.696M ▲ $387.843M ▲ 25.634% ▲ $4.81 ▲ $513.236M ▲
Q2-2025 $1.481B ▲ $143.178M ▼ $252.749M ▼ 17.063% ▼ $3.09 ▲ $348.184M ▼
Q1-2025 $1.48B ▲ $143.738M ▼ $254.563M ▼ 17.195% ▼ $3.05 ▲ $351.073M ▲
Q4-2024 $1.466B ▲ $155.006M ▲ $255.196M ▼ 17.404% ▼ $3.04 ▼ $348.131M ▼
Q3-2024 $1.455B $136.262M $302.994M 20.819% $3.45 $408.346M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $18.162B ▲ $30.528B ▲ $24.839B ▲ $5.689B ▲
Q2-2025 $17.721B ▼ $29.809B ▲ $24.39B ▲ $5.419B ▼
Q1-2025 $17.871B ▲ $29.705B ▲ $24.28B ▲ $5.425B ▲
Q4-2024 $250.36M ▼ $29.076B ▼ $23.771B ▼ $5.306B ▲
Q3-2024 $18.57B $29.557B $24.918B $4.639B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $0 $305.977M ▼ $-73.791M ▼ $-171.795M ▲ $63.594M ▲ $208.685M ▼
Q2-2025 $0 ▼ $307.926M ▼ $-64.029M ▲ $-230.785M ▼ $6.852M ▼ $294.985M ▼
Q1-2025 $254.563M ▼ $431.887M ▲ $-239.954M ▼ $-124.464M ▲ $66.945M ▲ $420.141M ▲
Q4-2024 $255.196M ▼ $336.927M ▼ $181.368M ▲ $-500.953M ▼ $30.776M ▼ $321.929M ▲
Q3-2024 $302.994M $340.59M $-196.299M $-95.096M $46.635M $311.281M

Revenue by Products

Product Q3-2024Q4-2024Q1-2025Q2-2025
Health Segment
Health Segment
 $350.00M ▲$710.00M ▲$370.00M ▼$380.00M ▲
Life Segment
Life Segment
 $820.00M ▲$1.64Bn ▲$830.00M ▼$840.00M ▲

Five-Year Company Overview

Income Statement

Income Statement Globe Life shows a steady pattern of revenue and profit growth over the last several years. Earnings have generally risen faster than sales, which suggests better efficiency and disciplined pricing. Profit margins look healthy for a life insurer and have improved from the earlier years in the period. Overall, the income statement reflects a mature, steadily growing business with controlled expenses and consistent profitability, rather than rapid or volatile expansion.

Balance Sheet

Balance Sheet The balance sheet is sizable and relatively stable, in line with a long‑established life insurer managing large portfolios of policies and investments. Total assets have moved within a fairly narrow range. Debt has crept up over time, but not dramatically, and still appears manageable given the company’s scale and cash generation. Equity has trended down from earlier levels, which could reflect share repurchases and market value swings in the investment portfolio rather than a fundamental weakening. Overall, the financial position looks solid but more leveraged than in the past, which is worth watching.

Cash Flow

Cash Flow Cash generation is a key strength. Operating cash flow has been consistently strong and very stable year after year. Free cash flow is only slightly below operating cash flow, because capital spending needs are low and predictable. This pattern is typical of a mature insurance business and suggests Globe Life has ample internal cash to support operations, invest in technology, service debt, and return capital to shareholders without stretching its finances.

Competitive Edge

Competitive Edge Globe Life occupies a focused niche in life and supplemental health insurance for middle and lower‑middle‑income U.S. families. Its direct‑to‑consumer model helps keep distribution costs low and products competitively priced. A long operating history and strong brand recognition, including visible sports sponsorships, support trust in an industry where reputation is critical. Targeting an underserved segment and offering simple, easy‑to‑understand products builds loyalty and reduces head‑to‑head competition with larger, more broadly focused insurers. Ratings agencies view the company as financially sound, which also strengthens its position with customers and partners.

Innovation and R&D

Innovation and R&D While not a traditional R&D‑heavy company, Globe Life has clearly leaned into technology. It uses artificial intelligence to streamline underwriting, accelerate claims handling, improve customer service, and detect fraud. The acquisition of Evry Health adds a mobile‑first, digitally native platform that can enhance user experience and appeal to younger, tech‑savvy customers, especially in group health. Ongoing investment in data analytics and direct online distribution should help refine pricing, personalize offerings, and keep operating costs in check. The main execution risk is successfully integrating these technologies across a legacy insurance platform and culture.

Summary

Overall, Globe Life looks like a stable, steadily growing life insurer with solid profitability and strong, predictable cash flows. Its competitive edge comes from a focused customer segment, a cost‑efficient direct‑to‑consumer model, and a growing digital and AI toolkit. The balance sheet is sound, though somewhat more leveraged than in earlier years. Key opportunities lie in deeper digital penetration, better use of data, and successful integration of Evry Health. Main risks include execution on technology integration, potential regulatory shifts affecting life and health insurance, and competitive pressure if larger insurers intensify their focus on the same demographic segment.

NEWS

November 28, 2025 · 6:19 PM UTC

HALPER SADEH LLC ENCOURAGES GLOBE LIFE INC. SHAREHOLDERS TO CONTACT THE FIRM TO DISCUSS THEIR RIGHTS

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November 6, 2025 · 4:10 PM UTC

GLOBE LIFE INC. DECLARES DIVIDEND

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October 28, 2025 · 9:00 AM UTC

Globe Life and North Texas Food Bank Expand Partnership to Deliver Fresh Food Across the Region

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October 27, 2025 · 10:00 AM UTC

Halper Sadeh LLC Encourages Globe Life Inc. Shareholders to Contact the Firm to Discuss Their Rights

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October 22, 2025 · 4:10 PM UTC

GLOBE LIFE INC. REPORTS THIRD QUARTER 2025 RESULTS

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