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GLOBE LIFE INC.

$183.69 ▼ -2.32 (-1.25%) at close

20 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

GLOBE LIFE INC. shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $14.9B

Dividend Yield 0.59%

Revenue Growth 3.7% ↘

Op. Margin 24.0% ↗

ROIC None

FCF / Share None

Trailing P/E 12.9x

Price / Book 2.8x

FCF Yield —

Debt / Equity 0.44

info Valuation on last close. End-of-day price, Aug 7, 2026.

20-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$5.99B

↑ +3.7% —

Net Income Profit after all expenses

$1.16B

↑ +8.4% —

Operating Margin Operating profit as % of sales

24.0%

↑ +4.3% 80th

Long-Term Debt Long-term obligations

$2.32B

— -0.1% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.08 Latest / share

+12.5% YoY

+7.1% 12-yr CAGR

$0.51

FY 2014

$0.54

FY 2015

$0.56

FY 2016

$0.60

FY 2017

$0.64

FY 2018

$0.75

FY 2019

$0.75

FY 2020

$0.79

FY 2021

$0.83

FY 2022

$0.90

FY 2023

$0.96

FY 2024

$1.08

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Jul 1, 2014 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Revenue Growth YoY (%)	3.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-38%)	6.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	4.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-30%)	2.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-63%)	7.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+32%)	4.6% Caution → Caution Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-23%)	5.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-13%)	3.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-41%)	5.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-6%)	4.5% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-25%)	4.0% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-33%)	-4.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-167%)	5.1% Fair → Fair Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-15%)	6.3% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	0.3% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-95%)	8.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+35%)	-6.4% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-206%)	-4.6% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-176%)	—	—
EPS Growth YoY (%)	19.0% Good → Good Stable Year-over-year change in earnings per share Optimal: > 10%	17.4% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	11.8% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	25.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	5.8% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-1.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	12.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-50.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	172.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	8.8% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	1.4% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	8.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	5.1% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	19.4% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	8.3% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-13.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-5.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-8.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	8.4% Fair ↓ Fair Declining Year-over-year change in net income	10.3% Fair → Fair Stable Year-over-year change in net income	8.5% Fair ↑ Fair Improving Year-over-year change in net income	20.1% Good ↑ Good Improving Year-over-year change in net income	1.8% Caution ↑ Caution Improving Year-over-year change in net income	-3.8% Weak ↓ Weak Declining Year-over-year change in net income	8.5% Fair ↓ Fair Declining Year-over-year change in net income	-51.8% Weak ↓ Weak Declining Year-over-year change in net income	164.6% Excellent ↑ Excellent Improving Year-over-year change in net income	4.3% Caution ↑ Caution Improving Year-over-year change in net income	-2.9% Weak ↓ Weak Declining Year-over-year change in net income	2.7% Caution ↑ Caution Improving Year-over-year change in net income	-0.2% Weak ↓ Weak Declining Year-over-year change in net income	6.5% Fair ↑ Fair Improving Year-over-year change in net income	-3.8% Weak ↓ Weak Declining Year-over-year change in net income	27.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-10.5% Weak Weak Year-over-year change in net income	-14.3% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	4.7% Caution → Caution Stable Compound annual revenue growth over 3 years	4.2% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.9% Caution → Caution Stable Compound annual revenue growth over 3 years	5.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.5% Caution → Caution Stable Compound annual revenue growth over 3 years	4.8% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	4.5% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	4.7% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.3% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.9% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	4.8% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	0.5% Weak Weak Compound annual revenue growth over 3 years	-1.2% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	4.8% Fair → Fair Stable Compound annual revenue growth over 5 years	5.0% Fair → Fair Stable Compound annual revenue growth over 5 years	4.8% Fair → Fair Stable Compound annual revenue growth over 5 years	4.7% Fair → Fair Stable Compound annual revenue growth over 5 years	5.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.6% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	2.7% Caution → Caution Stable Compound annual revenue growth over 5 years	3.0% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	3.1% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	2.3% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	3.1% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	2.5% Caution Caution Compound annual revenue growth over 5 years	0.6% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	16.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	18.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	14.0% Good ↑ Good Improving Compound annual EPS growth over 3 years	9.4% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	5.5% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-18.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	15.0% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	13.9% Good ↓ Good Declining Compound annual EPS growth over 3 years	44.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	6.1% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	4.8% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	10.7% Good ↑ Good Improving Compound annual EPS growth over 3 years	10.8% Good ↑ Good Improving Compound annual EPS growth over 3 years	3.9% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-3.7% Weak Weak Compound annual EPS growth over 3 years	-8.8% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Jul 1, 2014 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Operating Margin (%) (%)	24.0% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.0% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	23.2% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	22.7% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	16.9% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	19.1% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	20.3% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	20.2% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	19.8% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	20.0% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	20.6% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	21.3% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	20.9% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	21.0% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	21.7% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	22.3% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	—	—	—	—
Effective Tax Rate (%) (%)	19.1% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.3% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.7% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.8% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.4% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.4% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.3% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.8% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	19.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	18.5% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	17.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	17.1% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	14.6% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	15.4% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	16.8% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	16.3% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	35.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	14.0% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	14.0% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	15.0% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	14.0% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	14.7% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	14.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	15.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	13.0% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	13.6% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	15.1% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Jul 1, 2014 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	3.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	4.8% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	4.7% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	2.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	3.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	3.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	3.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	3.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	4.3% Caution → Caution Stable Operating profit relative to total assets Optimal: > 10%	4.0% Caution → Caution Stable Operating profit relative to total assets Optimal: > 10%	4.4% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	4.6% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	2.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	3.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	19.4% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+62%)	20.2% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+68%)	21.6% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+80%)	22.6% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+89%)	8.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	8.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	10.4% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	13.0% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+8%)	23.3% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+95%)	12.0% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	13.0% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+8%)	11.6% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	14.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+17%)	12.1% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.9% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+7%)	12.9% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+7%)	11.9% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	20.3% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+70%)	15.9% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+32%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Jul 1, 2014 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Debt to Equity (x)	0.44x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-63%)	0.52x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-57%)	0.47x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-61%)	0.57x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-53%)	0.25x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	0.22x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	0.23x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	0.31x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.24x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-80%)	0.31x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-74%)	0.30x Good → Good Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.26x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-78%)	0.32x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-73%)	0.30x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.30x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.25x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	0.30x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.41x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-66%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Jul 1, 2014 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Revenue per Share (USD)	$73.66	$64.72	$57.28	$53.37	$50.09	$44.67	$41.46	$38.13	$35.72	$32.79	$30.11	$27.69	$27.40	$24.77	$20.79	$18.40	—	—	—	—
Basic EPS, GAAP (USD)	$14.27	$11.99	$10.21	$9.13	$7.30	$6.90	$6.97	$6.22	$12.50	$4.58	$4.21	$4.15	$3.84	$3.65	$3.06	$2.83	$3.25	$3.43	$3.73	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.08	$0.96	$0.90	$0.83	$0.79	$0.75	$0.75	$0.64	$0.60	$0.56	$0.54	$0.51	$0.45	$0.40	$0.31	$0.27	$0.38	$0.37	$0.35	—
Book Value per Share (USD)	$64.79	$54.57	$43.89	$37.54	$79.13	$77.47	$62.23	$44.67	$53.56	$38.06	$32.42	$35.93	$28.82	$30.10	$23.76	$21.95	—	—	—	—
Tangible Book Value per Share (USD)	$59.47	$49.53	$39.18	$32.96	$74.72	$73.57	$58.46	$41.03	$49.77	$34.38	$28.89	$32.56	$25.45	$27.05	$21.32	$19.78	—	—	—	—
Basic Weighted Avg Shares (shares)	81.38M	89.28M	95.10M	97.93M	102.07M	106.08M	109.21M	112.87M	116.34M	120.00M	125.09M	130.72M	137.65M	144.92M	162.42M	183.01M	—	—	—	—
Dividend Payout Ratio (%)	7.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	8.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	8.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	9.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	10.8% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	10.9% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	10.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	10.3% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	4.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	12.2% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	12.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	12.3% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	11.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	10.9% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	10.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	9.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	11.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	10.9% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	9.3% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Jul 1, 2014 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$2.32B	$2.32B	$1.63B	$1.79B	$1.70B	$1.67B	$1.36B	$1.36B	$1.14B	$1.14B	$743.73M	$992.13M	$990.87M	$989.69M	$914.28M	$789.64M	$796.05M	$499.05M	—	—
Total Equity (USD)	$5.97B	$5.31B	$4.49B	$3.95B	$8.64B	$8.77B	$7.29B	$5.42B	$6.23B	$4.57B	$4.06B	$4.70B	$3.78B	$4.36B	$3.86B	$4.02B	$3.40B	$2.22B	$3.32B	$3.46B

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Jul 1, 2014 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Sales/Revenue/Turnover (USD)	$5.99B	$5.78B	$5.45B	$5.23B	$5.11B	$4.74B	$4.53B	$4.30B	$4.16B	$3.93B	$3.77B	$3.62B	$3.77B	$3.59B	$3.38B	$3.37B	$3.12B	$3.33B	$3.49B	—
Depreciation Expense (USD)	$30.00M	$27.00M	$21.00M	$21.00M	$20.00M	$17.00M	$16.00M	$13.00M	$11.00M	$9.80M	$8.00M	$7.40M	$6.40M	$7.10M	$6.80M	$6.00M	—	—	—	—
Net Income, GAAP (USD)	$1.16B	$1.07B	$970.75M	$894.39M	$744.96M	$731.77M	$760.79M	$701.47M	$1.45B	$549.78M	$527.10M	$542.94M	$528.47M	$529.32M	$497.16M	$517.06M	$404.95M	$452.26M	$527.53M	—
Operating Cash Flow (USD)	$1.40B	$1.40B	$1.48B	$1.42B	$1.44B	$1.48B	$1.36B	$1.28B	$1.43B	$1.40B	$1.12B	$864.71M	—	$942.84M	$859.46M	$1.03B	$976.11M	$730.61M	$850.00M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Jul 1, 2014 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Premiums Earned (USD)	$4.89B	$4.67B	$4.46B	$4.31B	$4.10B	$3.81B	$3.60B	$3.42B	$3.28B	$3.14B	$3.00B	$2.84B	$3.05B	$2.86B	$2.66B	$2.65B	$2.61B	$2.76B	$2.83B	—
Loss Ratio (%) (%)	59.0%	62.0%	64.3%	65.6%	69.7%	67.5%	65.6%	66.5%	67.9%	67.9%	67.2%	67.1%	68.4%	68.5%	67.5%	67.6%	67.2%	67.9%	67.3%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 20 years · 73 quarters

GLOBE LIFE INC.

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