GL
Globe Life Inc
GL—
Globe Life Inc AI Insights
Informational only. Not investment advice.Snapshot
- EPS growth 3Y of 34.6% vs industry median 8.7% - 4x outperformance driven by margin expansion, not revenue (4.8% 5Y rev growth)[EPS Growth 3Y]
- ROIC TTM 14.6% vs industry median 6.3% - 2.3x capital efficiency advantage in low-turnover insurance model[ROIC TTM]
- FCF TTM 1.2B on 5.9B revenue (21% FCF margin) with minimal capex (137M) - cash machine funding buybacks[Free Cash Flow TTM]
Watch Triggers
- Total Revenue TTM: Growth accelerates above 6% — Would signal organic growth returning, validating premium multiple expansion
- Net Margin TTM: Falls below 17% — Margin compression would break EPS growth thesis given flat revenue
- Common Stock Payments: Buybacks decline below 150M annually — Reduced buybacks would slow EPS compounding - key growth driver
Bull Case
Capital-light compounder: 22% ROE, 14.6% ROIC, 21% FCF margin with sub-10% payout enables aggressive buybacks that compound EPS at 2-3x revenue growth
ROE TTMROIC TTMFree Cash Flow TTMDividend Payout Ratio
Valuation disconnect: P/E 9.6x vs industry 13.8x despite superior profitability (net margin 19.4% vs industry 10.9%) and growth (EPS 3Y 34.6% vs 8.7%)
PE RatioNet Margin TTMEPS Growth 3Y
Bear Case
Revenue stagnation: 4.8% 5Y CAGR below industry 8.3% - EPS growth entirely margin/buyback driven, not organic expansion. Finite runway.
Total Revenue 5Y GrowthTotal Revenue TTM
Interest expense 139M TTM (10% of EBIT) with 2.7B total debt - rising rates compress margins on insurance float economics
Interest Expense TTMTotal DebtEBIT TTM
Bull vs Bear Balance
AI-generated sentiment analysis based on fundamental metrics and market conditions.
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Forward Thesis
EPS growth to sustain 15-20% annually as buybacks compound on low payout ratio
1-3ymed
- 10% dividend payout ratio leaves 90% for buybacks/reinvestment
- 174M TTM buybacks reducing share count
- 21% FCF margin funds capital return without leverage
Payout ratio 9.7% (5Y avg) vs industry 23.8%Debt/equity 0.48 - room for leverage if neededFCF 1.2B vs dividends 22M
Valuation Context
Caveats
Public Strategies Rankings
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GL Fundamentals
Finance and Insurance → Insurance Carriers and Related Activities
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$11.4B | — | ||
$13.81B | — | ||
9.9 | — | ||
$5.94B | +3.7% | — | |
$13.99 | +18.5% | — | |
0% | — | ||
19.4% | +0.3% | — | |
$1.25B | -10.2% | — | |
0.22 | -1.3% | — | |
Beta 5Y (Monthly) | unknown | — |
GL Dividend History
105 dividends
2026
$0.270001/05/26$0.2700
2025
$1.050010/03/25$0.2700
07/03/25$0.2700
04/03/25$0.2700
01/06/25$0.2400
2024
$0.945010/04/24$0.2400
07/05/24$0.2400
04/04/24$0.2400
01/04/24$0.2250
2023
$0.882510/05/23$0.2250
07/03/23$0.2250
03/31/23$0.2250
01/05/23$0.2075
2022
$0.820010/06/22$0.2075
07/01/22$0.2075
04/01/22$0.2075
01/06/22$0.1975
2021
$0.780010/01/21$0.1975
07/01/21$0.1975
04/01/21$0.1975
01/07/21$0.1875
2020
$0.735010/02/20$0.1875
07/02/20$0.1875
04/02/20$0.1875
01/02/20$0.1725
2019
$0.677510/03/19$0.1725
07/03/19$0.1725
04/04/19$0.1725
01/03/19$0.1600
2018
$0.630010/04/18$0.1600
07/03/18$0.1600
04/02/18$0.1600
01/04/18$0.1500
2017
$0.590010/05/17$0.1500
06/30/17$0.1500
03/30/17$0.1500
01/04/17$0.1400
2016
$0.555010/05/16$0.1400
06/29/16$0.1400
03/31/16$0.1400
01/04/16$0.1350
2015
$0.405009/30/15$0.1350
06/30/15$0.1350
03/31/15$0.1350
2014
$0.570112/31/14$0.1267
10/01/14$0.1267
05/29/14$0.1900
04/01/14$0.1267
2013
$0.553312/31/13$0.1133
10/02/13$0.1133
07/02/13$0.1133
04/03/13$0.1133
01/02/13$0.1000
2012
$0.380010/03/12$0.1000
07/03/12$0.1000
04/03/12$0.1000
01/04/12$0.0800
2011
$0.295610/05/11$0.0800
05/27/11$0.0733
03/30/11$0.0711
01/04/11$0.0711
2010
$0.271109/29/10$0.0711
06/30/10$0.0667
03/30/10$0.0667
01/04/10$0.0667
2009
$0.186709/30/09$0.0622
07/01/09$0.0622
04/01/09$0.0622
2008
$0.306712/30/08$0.0622
10/01/08$0.0622
07/02/08$0.0622
04/02/08$0.0622
01/02/08$0.0578
2007
$0.231110/03/07$0.0578
07/03/07$0.0578
04/03/07$0.0578
01/03/07$0.0578
2006
$0.213310/04/06$0.0578
07/05/06$0.0578
04/05/06$0.0489
01/03/06$0.0489
2005
$0.195610/03/05$0.0489
07/01/05$0.0489
03/30/05$0.0489
01/03/05$0.0489
2004
$0.195610/04/04$0.0489
06/30/04$0.0489
03/31/04$0.0489
01/05/04$0.0489
2003
$0.168910/01/03$0.0489
07/01/03$0.0400
04/01/03$0.0400
01/06/03$0.0400
2002
$0.160010/02/02$0.0400
07/02/02$0.0400
04/03/02$0.0400
01/08/02$0.0400
2001
$0.160010/03/01$0.0400
07/03/01$0.0400
04/04/01$0.0400
01/05/01$0.0400
2000
$0.160010/06/00$0.0400
07/05/00$0.0400
04/05/00$0.0400
01/05/00$0.0400
GL Stock Splits
2 stock splits
07/02/142:3 split
07/05/110.666667:1 split
GL SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
11/05/25 | 09/30/25 | 10-Q | |
08/06/25 | 06/30/25 | 10-Q | |
05/07/25 | 03/31/25 | 10-Q | |
02/26/25 | 12/31/24 | 10-K | |
11/06/24 | 09/30/24 | 10-Q | |
08/07/24 | 06/30/24 | 10-Q | |
05/08/24 | 03/31/24 | 10-Q | |
02/28/24 | 12/31/23 | 10-K | |
11/06/23 | 09/30/23 | 10-Q | |
08/08/23 | 06/30/23 | 10-Q | |
05/09/23 | 03/31/23 | 10-Q | |
02/23/23 | 12/31/22 | 10-K | |
11/08/22 | 09/30/22 | 10-Q | |
08/05/22 | 06/30/22 | 10-Q | |
05/06/22 | 03/31/22 | 10-Q | |
02/24/22 | 12/31/21 | 10-K | |
11/04/21 | 09/30/21 | 10-Q | |
08/05/21 | 06/30/21 | 10-Q | |
05/06/21 | 03/31/21 | 10-Q | |
02/25/21 | 12/31/20 | 10-K | |
11/05/20 | 09/30/20 | 10-Q | |
08/06/20 | 06/30/20 | 10-Q | |
05/07/20 | 03/31/20 | 10-Q | |
02/27/20 | 12/31/19 | 10-K | |
11/12/19 | 09/30/19 | 10-Q | |
08/08/19 | 06/30/19 | 10-Q | |
05/07/19 | 03/31/19 | 10-Q | |
03/01/19 | 12/31/18 | 10-K | |
11/07/18 | 09/30/18 | 10-Q | |
08/08/18 | 06/30/18 | 10-Q | |
05/07/18 | 03/31/18 | 10-Q | |
02/27/18 | 12/31/17 | 10-K | |
11/07/17 | 09/30/17 | 10-Q | |
08/08/17 | 06/30/17 | 10-Q | |
05/08/17 | 03/31/17 | 10-Q | |
02/27/17 | 12/31/16 | 10-K | |
11/04/16 | 09/30/16 | 10-Q | |
08/05/16 | 06/30/16 | 10-Q | |
05/06/16 | 03/31/16 | 10-Q | |
02/26/16 | 12/31/15 | 10-K | |
11/06/15 | 09/30/15 | 10-Q | |
08/07/15 | 06/30/15 | 10-Q | |
05/08/15 | 03/31/15 | 10-Q | |
02/27/15 | 12/31/14 | 10-K | |
11/07/14 | 09/30/14 | 10-Q | |
08/08/14 | 06/30/14 | 10-Q | |
05/09/14 | 03/31/14 | 10-Q | |
02/28/14 | 12/31/13 | 10-K | |
11/08/13 | 09/30/13 | 10-Q | |
08/08/13 | 06/30/13 | 10-Q | |
05/09/13 | 03/31/13 | 10-Q | |
02/28/13 | 12/31/12 | 10-K | |
11/08/12 | 09/30/12 | 10-Q | |
08/08/12 | 06/30/12 | 10-Q | |
05/09/12 | 03/31/12 | 10-Q | |
02/28/12 | 12/31/11 | 10-K | |
11/08/11 | 09/30/11 | 10-Q | |
08/08/11 | 06/30/11 | 10-Q | |
05/09/11 | 03/31/11 | 10-Q | |
02/28/11 | 12/31/10 | 10-K | |
11/08/11 | 09/30/10 | 10-Q | |
08/06/10 | 06/30/10 | 10-Q | |
08/02/11 | 03/31/10 | 10-Q/A | |
05/07/10 | 03/31/10 | 10-Q | |
02/26/10 | 12/31/09 | 10-K | |
11/06/09 | 09/30/09 | 10-Q | |
11/08/10 | 09/30/09 | 10-Q | |
08/07/09 | 06/30/09 | 10-Q | |
05/08/09 | 03/31/09 | 10-Q | |
02/27/09 | 12/31/08 | 10-K | |
11/07/08 | 09/30/08 | 10-Q | |
08/08/08 | 06/30/08 | 10-Q | |
05/12/08 | 03/31/08 | 10-Q | |
02/29/08 | 12/31/07 | 10-K | |
11/08/07 | 09/30/07 | 10-Q | |
08/08/07 | 06/30/07 | 10-Q | |
05/09/07 | 03/31/07 | 10-Q | |
03/01/07 | 12/31/06 | 10-K | |
11/08/06 | 09/30/06 | 10-Q | |
08/08/06 | 06/30/06 | 10-Q | |
05/05/06 | 03/31/06 | 10-Q | |
03/06/06 | 12/31/05 | 10-K | |
11/08/05 | 09/30/05 | 10-Q | |
08/05/05 | 06/30/05 | 10-Q | |
05/09/05 | 03/31/05 | 10-Q | |
03/15/05 | 12/31/04 | 10-K | |
11/09/04 | 09/30/04 | 10-Q | |
08/06/04 | 06/30/04 | 10-Q | |
05/07/04 | 03/31/04 | 10-Q | |
03/15/04 | 12/31/03 | 10-K | |
11/12/03 | 09/30/03 | 10-Q | |
08/12/03 | 06/30/03 | 10-Q | |
05/14/03 | 03/31/03 | 10-Q | |
03/24/03 | 12/31/02 | 10-K | |
11/13/02 | 09/30/02 | 10-Q | |
08/13/02 | 06/30/02 | 10-Q | |
05/14/02 | 03/31/02 | 10-Q | |
03/22/02 | 12/31/01 | 10-K | |
11/14/01 | 09/30/01 | 10-Q | |
08/14/01 | 06/30/01 | 10-Q | |
05/14/01 | 03/31/01 | 10-Q | |
03/26/01 | 12/31/00 | 10-K | |
11/13/00 | 09/30/00 | 10-Q | |
08/11/00 | 06/30/00 | 10-Q | |
05/12/00 | 03/31/00 | 10-Q |