Zacks Investment Research·4 days ago
What Makes Globe Life (GL) a Strong Momentum Stock: Buy Now?Does Globe Life (GL) have what it takes to be a top stock pick for momentum investors? Let's find out.
Globe Life Inc.(GL)Earnings, Financials & Key Ratios
GL•NYSE•Insurance & Managed Care
$176.67
12.6× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryLife InsuranceSub-IndustryIndividual life and final expense insurers
AboutGlobe Life Inc., through its subsidiaries, provides various life and supplemental health insurance products, and annuities to lower middle to middle income households in the United States. The company operates through four segments: Life Insurance, Supplemental Health Insurance, Annuities, and Investments. It offers whole life, term life, and other life insurance products; Medicare supplement and supplemental health insurance, such as critical illness and accident plans; and single-premium and flexible-premium deferred annuities. The company was formerly known as Torchmark Corporation and changed its name to Globe Life Inc. in August 2019. Globe Life Inc. was incorporated in 1979 and is headquartered in McKinney, Texas.Show more
- Revenue$6B+3.8%
- Combined Ratio75.62%-1.8%
- Net Income$1.16B+8.4%
- Return on Equity20.59%-5.9%
- Medical Cost Ratio66.6%-1.5%
- Operating Margin24.38%+6.2%
- Net Margin19.36%+4.5%
- ROA3.88%+3.4%
- Equity / Assets19.39%+6.3%
GL Price & Volume
Globe Life Inc. (GL) stock price & volume — 10-year historical chart
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Resilient Underwriting Margins Offset Distribution Saturation Risks
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Stable
Profitability:Strong
Financial:Healthy
Cash Flow:Robust
Primary Risk:Captive agency distribution volatility
Key Thesis Takeaways
- Globe Life demonstrates a robust underwriting profile with a combined ratio consistently below 80%, though revenue growth has moderated to 3.82% year-over-year, signaling potential market saturation within its core captive agency demographic.
- While the company maintains a conservative capital structure with $6.1 billion in equity as of 2026Q1, investors should monitor the volatility in quarterly loss ratios, which have fluctuated between 50.6% and 69.6%.
- The firm's aggressive capital return strategy, highlighted by $591.1 million in buybacks during 2024Q3, warrants careful scrutiny regarding long-term sustainability relative to the divergence between net income and operating cash flow.
Verdict Logic
while the company maintains a strong underwriting profile with a combined ratio of 76.4% in 2026Q1, the potential for earnings volatility and slowing revenue growth at 3.82% suggests a cautious approach until long-term reserve adequacy is confirmed.
GL Growth Metrics
Globe Life Inc. (GL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years4.77%
5 Years4.83%
3 Years4.7%
TTM4.03%
Profit CAGR
10 Years8.22%
5 Years9.67%
3 Years9.09%
TTM9.9%
EPS CAGR
10 Years12.95%
5 Years15.57%
3 Years15.86%
TTM17.98%
Return on Capital
10 Years4.26%
5 Years4.79%
3 Years4.97%
Last Year5.23%
GL Recent Earnings
Globe Life Inc. (GL) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 1/12 qtrs (8%)
Q2 2026Latest
Apr 22, 2026Metric
Actual
Est
EPS
$3.43-1.2%
$3.47
Rev
$1.6B-0.3%
$1.6B
Q1 2026
Feb 4, 2026Metric
Actual
Est
EPS
$3.39-1.5%
$3.44
Rev
$1.5B-0.8%
$1.5B
Q4 2025
Oct 22, 2025Metric
Actual
Est
EPS
$4.81+4.6%
$4.60
Rev
$1.5B-0.4%
$1.5B
Q3 2025
Jul 23, 2025Metric
Actual
Est
EPS
$3.27+0.6%
$3.25
Rev
$1.5B-1.6%
$1.5B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $3.43vs $3.47-1.2% | $1.6Bvs $1.6B-0.3% |
| Q1 2026 | Feb 4, 2026 | $3.39vs $3.44-1.5% | $1.5Bvs $1.5B-0.8% |
| Q4 2025 | Oct 22, 2025 | $4.81vs $4.60+4.6% | $1.5Bvs $1.5B-0.4% |
| Q3 2025 | Jul 23, 2025 | $3.27vs $3.25+0.6% | $1.5Bvs $1.5B-1.6% |
Based on last 12 quarters of dataView full earnings history →
Latest GL News
Recent stock market news and headlines for Globe Life Inc. (GL)
Seeking Alpha·Jun 25, 2026
Globe Life: An Attractive Share CannibalGlobe Life aggressively reduces share count, prioritizing buybacks over dividends for shareholder returns. GL's disciplined, captive agent model and focus on underserved markets drive steady sales and EPS growth. GL offers 12% upside if growth expectations and valuation normalize.
Zacks Investment Research·Jun 24, 2026
3 Sales Growth Stocks to Bet on as Markets Remain ResilientCACI, GL and KNX stand out as sales-growth stocks as resilient markets lean on earnings, AI optimism and a supportive economy.
Business Wire·Jun 23, 2026
Maxima Launches Max, A 24/7 Accounting Agent for Enterprise Accounting TeamsSAN MATEO, Calif.--(BUSINESS WIRE)--Maxima, the leading agentic AI platform for enterprise accounting, today announced Max, an AI agent that takes on the manual and recurring preparation work consuming enterprise accounting teams, from payroll entries and opex accruals to balance sheet reconciliations and variance explanations. Max prepares the work and routes it to accountants for review, but nothing posts to the General Ledger (GL) without their approval.Enterprise accounting teams are under u.
Zacks Investment Research·Jun 22, 2026
5 High ROE Stocks to Buy as Markets Recover After Fed-Induced Sell-OffROST, TEL, BBVA, GL and SCHW stand out as high-ROE, cash-rich stocks as markets rebound from the Fed-driven sell-off.
Peers Comparison
Key metrics vs top competitors for Globe Life Inc. (GL)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $176.67 | $13.72B | 12.57 | 3.82% | 19.36% | 20.59% | 0.6% | |
| $52.89 | $4.94B | 22.51 | 0.94% | 5.44% | 9.56% | — | |
| $1.37 | $1.23M | -0.24 | 33.6% | 1.03% | 10.49% | — | |
| $30.61 | $13.98B | -45.01 | 7.88% | 3.94% | 1.85% | — | |
| $39.19 | $7.49B | 6.71 | 1.24% | 9.14% | 16.79% | — | |
| $9.54 | $3.67B | 17.67 | -10.86% | 3.62% | 2.54% | — |
Compare GL vs Peers
Globe Life Inc. (GL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
GL SEC Filings & Documents
Globe Life Inc. (GL) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 4, 2026·SEC
Material company update
Apr 22, 2026·SEC
Material company update
Feb 27, 2026·SEC
10-K Annual Reports
210-Q Quarterly Reports
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GL Frequently Asked Questions
Globe Life Inc. (GL) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Globe Life Inc. growing?
Globe Life Inc. (GL) grew revenue by 3.8% over the past year. Growth has been modest.
Is GL profitable?
Yes, Globe Life Inc. (GL) is profitable, generating $1.18B in net income for fiscal year 2025 (19.4% net margin).
Dividend & Returns
Does GL pay dividends?
Yes, Globe Life Inc. (GL) pays a dividend with a yield of 0.60%. This makes it attractive for income-focused investors.
What is GL's return on equity?
Globe Life Inc. (GL) has a return on equity (ROE) of 20.6%. This is excellent, indicating efficient use of shareholder capital.
Industry Metrics
What is Globe Life Inc.'s combined ratio?
Globe Life Inc. (GL) has a combined ratio of 75.6%. A ratio below 100% indicates underwriting profitability.