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Globe Life Inc. logo

Globe Life Inc.

GL

NYSEFinancial ServicesInsurance - Life

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Previous close

$171.08

+$0.59 · +0.35%

Aug 21, 4:00 PM ET

GL company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

65

Undervalued

Momentum

62

Gaining

Sentiment

66

Bullish

Risk resilience

88

Low Risk

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Company profile

Company website

Globe Life Inc. delivers diverse life insurance and supplementary health coverage, alongside annuity products, targeting households in the lower-middle to middle-income brackets throughout the United States. The company's operations are structured into four key segments: Life Insurance, Supplemental Health Insurance, Annuities, and Investments. Its offerings encompass whole life, term life, and other life protection plans; supplemental health benefits like Medicare supplements, critical illness, and accident policies; and both single-premium and flexible-premium deferred annuities. Founded in 1979 and headquartered in McKinney, Texas, the enterprise rebranded from Torchmark Corporation to Globe Life Inc. in August 2019.

Industry
Insurance - Life
Sector
Financial Services
Headquarters
US
CEO
Frank Martin Svoboda
Listed since
Oct 1, 1980
Employees
3,695

Market position

Day range

Current $171.08

52-week range

Current $171.08

Open
$170.59
Previous close
$170.49
Volume
382.82K
0.62× average
Average volume
616.74K
Average daily volume
Market cap
13.28B USD
Beta
0.47
Market reference 1
50-day average
$177.94
-3.85% below average
200-day average
$151.92
+12.61% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
13.79B USD
P/E (TTM)
11.24×
P/B (TTM)
2.18×
P/S (TTM)
2.14×
EV / EBITDA
8.66×
Earnings yield
10.27%
Free cash flow yield
11.09%
Dividend yield
0.70%

Profitability & efficiency

Gross margin
17.00%
Operating margin
9.23%
Net margin
19.56%
Return on equity
19.43%
Return on assets
3.77%
Return on invested capital
4.05%

Financial health

Debt / equity
0.48×
Current ratio
9.66×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends35%29%22%15%Gross margin, FY2021: 32.94%Gross margin, FY2022: 29.49%Gross margin, FY2023: 30.11%Gross margin, FY2024: 32.37%Gross margin, FY2025: 33.40%Operating margin, FY2021: 24.89%Operating margin, FY2022: 21.09%Operating margin, FY2023: 21.92%Operating margin, FY2024: 22.96%Operating margin, FY2025: 24.38%Net margin, FY2021: 20.13%Net margin, FY2022: 17.11%Net margin, FY2023: 17.82%Net margin, FY2024: 18.53%Net margin, FY2025: 19.36%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 32.94%. Gross margin FY2022 29.49%. Gross margin FY2023 30.11%. Gross margin FY2024 32.37%. Gross margin FY2025 33.40%. Operating margin FY2021 24.89%. Operating margin FY2022 21.09%. Operating margin FY2023 21.92%. Operating margin FY2024 22.96%. Operating margin FY2025 24.38%. Net margin FY2021 20.13%. Net margin FY2022 17.11%. Net margin FY2023 17.82%. Net margin FY2024 18.53%. Net margin FY2025 19.36%.

Income trends

Revenue

6B USD+3.82%

Operating income

1.46B USD+10.26%

Net income

1.16B USD+8.44%
Income trends across reported periods6.51B USD4.47B USD2.43B USD383.96M USDRevenue, FY2021: 5.12B USDRevenue, FY2022: 5.23B USDRevenue, FY2023: 5.45B USDRevenue, FY2024: 5.78B USDRevenue, FY2025: 6B USDOperating income, FY2021: 1.27B USDOperating income, FY2022: 1.1B USDOperating income, FY2023: 1.19B USDOperating income, FY2024: 1.33B USDOperating income, FY2025: 1.46B USDNet income, FY2021: 1.03B USDNet income, FY2022: 894.39M USDNet income, FY2023: 970.76M USDNet income, FY2024: 1.07B USDNet income, FY2025: 1.16B USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 5.12B USD. Revenue FY2022 5.23B USD. Revenue FY2023 5.45B USD. Revenue FY2024 5.78B USD. Revenue FY2025 6B USD. Operating income FY2021 1.27B USD. Operating income FY2022 1.1B USD. Operating income FY2023 1.19B USD. Operating income FY2024 1.33B USD. Operating income FY2025 1.46B USD. Net income FY2021 1.03B USD. Net income FY2022 894.39M USD. Net income FY2023 970.76M USD. Net income FY2024 1.07B USD. Net income FY2025 1.16B USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue6B USD5.78B USD5.45B USD5.23B USD5.12B USD
Cost of goods sold3.99B USD3.91B USD3.81B USD3.69B USD3.43B USD
Gross profit2B USD1.87B USD1.64B USD1.54B USD1.69B USD
Selling, general, and administrative197.7M USD382.55M USD331.9M USD334.99M USD301.9M USD
Operating expenses540.97M USD543.62M USD445.98M USD439.04M USD412.4M USD
Interest expense141.22M USD127.09M USD102.32M USD90.4M USD83.49M USD
Operating income1.46B USD1.33B USD1.19B USD1.1B USD1.27B USD
Net income1.16B USD1.07B USD970.76M USD894.39M USD1.03B USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
55%
6 beats, 5 misses, 0 met estimates
Average EPS surprise
+1.36%
11 comparable reports
Latest EPS result
3.61
Estimate 3.67 · Miss by 1.63%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates5.094.353.612.87Q1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 5, 2025: actual 3.14, estimate 3.12, surprise +0.64%, Beat. Q2 2025, reported Apr 30, 2025: actual 3.07, estimate 3.23, surprise -4.95%, Miss. Q3 2025, reported Jul 23, 2025: actual 3.27, estimate 3.25, surprise +0.62%, Beat. Q4 2025, reported Oct 22, 2025: actual 4.81, estimate 4.6, surprise +4.57%, Beat. Q1 2026, reported Feb 4, 2026: actual 3.39, estimate 3.44, surprise -1.45%, Miss. Q2 2026, reported Apr 22, 2026: actual 3.43, estimate 3.47, surprise -1.15%, Miss. Q3 2026, reported Jul 22, 2026: actual 3.61, estimate 3.67, surprise -1.63%, Miss. Q4 2026, reported Oct 28, 2026: actual —, estimate 4.89, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates1.66B1.58B1.49B1.4BQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 5, 2025: actual 1.47B USD, estimate 1.48B USD, surprise -0.71%, Miss. Q2 2025, reported Apr 30, 2025: actual 1.48B USD, estimate 1.49B USD, surprise -0.53%, Miss. Q3 2025, reported Jul 23, 2025: actual 1.48B USD, estimate 1.51B USD, surprise -1.62%, Miss. Q4 2025, reported Oct 22, 2025: actual 1.51B USD, estimate 1.52B USD, surprise -0.42%, Miss. Q1 2026, reported Feb 4, 2026: actual 1.52B USD, estimate 1.53B USD, surprise -0.79%, Miss. Q2 2026, reported Apr 22, 2026: actual 1.56B USD, estimate 1.56B USD, surprise -0.27%, Miss. Q3 2026, reported Jul 22, 2026: actual 1.6B USD, estimate 1.59B USD, surprise +0.59%, Beat. Q4 2026, reported Oct 28, 2026: actual —, estimate 1.56B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$183

6.97% upside
Past 12 months12-month forecastHigh $200Average $183Low $166

Rating distribution

28 ratings
Strong buy14%
Buy932%
Hold1139%
Sell725%
Strong sell00%

Recent analyst actions

11 institutions

Corporate actions

Corporate action history

Stock split

Effective Jul 2, 2014

3:2

Stock split

Effective May 15, 2013

1:10

Stock split

Effective May 3, 2013

5:6

Stock split

Effective Jul 5, 2011

3:2

Stock split

Effective Aug 4, 1997

2:1

Stock split

Effective Aug 20, 1992

3:2

GL peers

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$743,500

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Visa Inc. logo

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Mastercard Incorporated logo

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$580.63

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Bank of America Corporation logo

BAC

Bank of America Corporation

$61.69

-0.27%

ETFs holding GL

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
450.39M
Weight
0.02%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Vanguard S&P 500 ETF logoVanguard S&P 500 ETFVOO
Market value
371.37M
Weight
0.02%
AUM
1.7T USD
Expense ratio
0.03%
Price / 1D
$703.71+0.39%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
325.27M
Weight
0.18%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$304.76+0.64%
Vanguard Morningstar Small-Cap Value ETF logoVanguard Morningstar Small-Cap Value ETFVBR
Market value
206.62M
Weight
0.30%
AUM
68.3B USD
Expense ratio
0.05%
Price / 1D
$249.18+0.68%
Invesco S&P 500 Equal Weight ETF logoInvesco S&P 500 Equal Weight ETFRSP
Market value
195.91M
Weight
0.20%
AUM
100.27B USD
Expense ratio
0.20%
Price / 1D
$221.67+0.63%
iShares Core S&P 500 ETF logoiShares Core S&P 500 ETFIVV
Market value
178.41M
Weight
0.02%
AUM
891.84B USD
Expense ratio
0.03%
Price / 1D
$769.31+0.39%
State Street SPDR S&P 500 ETF logoState Street SPDR S&P 500 ETFSPY
Market value
164.64M
Weight
0.02%
AUM
817.87B USD
Expense ratio
0.09%
Price / 1D
$765.72+0.41%
State Street Financial Select Sector SPDR ETF logoState Street Financial Select Sector SPDR ETFXLF
Market value
91.33M
Weight
0.16%
AUM
55.49B USD
Expense ratio
0.08%
Price / 1D
$57.48+0.93%

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