Financial Performance
5Y price score: 99
The price score is a basic measure of the stock's performance against the S&P 500 Index over a five-year period.
A score of 100 indicates that the stock did as well as the S&P 500 Index.
A score below 100 means the stock underperformed the index, while a score above 100 means it outperformed the S&P 500.
10Y return: 158%
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127.8
52-week range
191.5
Your model inputs
Your fair value & Margin of safety
To calculate fair value based on cost of capital and terminal growth assumptions above, please select free cash flow forecast.
Forecast:
Valuation
Free Cash Flow Yield
8.2 %
Dividend Yield TTM
0.8 %
Market cap $
$ 11,999
Price / Earnings TTM
10.4
Price / Book TTM
2
PEG TTM
0.6
Earnings growth and return
LTM
5YR
10YR
Total return (price & dividends)
15.9 %
72.3 %
158 %
Free cash flow per share growth
46.5 %
15.9 %
81.5 %
Earnings per share growth
(1.9) %
106.2 %
238 %
Founded: 1,900
Employees: 3,732
Business Summary:
Q&A
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Latest Earnings Call Takeaways
2026 Q3 (Oct 22, 2026)
1) Financial Performance Overview - Net income for Q3 2026 was $361 million, or $4.62 per share, down 2% YoY from $4.73. - Net operating income increased 1% YoY to $379 million, or $4.84 per share. - Total premium revenue grew 7% YoY, with life premium revenue up 2% to $865 million and health premium revenue up 16% to $447 million. - Return on equity (ROE) was 19.7%, with book value per share at $85.35, a 23% increase YoY.
2) Segment Results and Underwriting Margins - Life underwriting margin decreased 5% YoY to $458 million, primarily due to assumption updates; however, excluding these updates, it would have increased by approximately 3%. - Health underwriting margin rose 7% YoY to $116 million, with expectations for full-year growth of 4.0% to 4.5%. - Administrative expenses were $95 million, up 6% YoY, maintaining a ratio of 7.3% of premium.
3) Challenges and Headwinds - Underwriting results at United American were negatively impacted by a CMS process change and high severity claims at Evri, leading to a negative health underwriting margin of $6 million. - The company faced a $7 million excess in Medicare Supplement claims due to prior period processing delays. - The average producing agent count at American Income Life decreased by 7%, although productivity improved.
4) Strategic Initiatives and Future Outlook - The company anticipates total premium revenue growth of around 6.5% for the full year and expects life premium revenue to grow between 2.5% to 2.75%. - For 2027, guidance includes net operating earnings per diluted share in the range of $16.10 to $17.10, reflecting a 7% increase at the midpoint. - The company plans to continue share repurchases, estimating $725 million to $775 million for the year, with a focus on maintaining capital levels at insurance subsidiaries.
5) Missing Information and Guidance Clarity - The call did not provide specific details on the expected life margin for Q4 2026 or the anticipated impact of assumption updates on future earnings guidance. - Further clarity on the long-term viability and strategic importance of Evri within the overall business model was also not fully addressed.
Bottom line: Globe Life Inc. demonstrated solid financial performance in Q3 2026, with growth in premium revenue and net operating income, despite facing challenges from high claims and operational adjustments. The company is strategically positioned for future growth, with a focus on maintaining strong underwriting margins and returning capital to shareholders through buybacks and dividends.
Annual Reports, Presentations And IR Contacts
Go to the websiteGlobe Life — Financial Overview, Stock Price, Market Cap
Globe Life is a company. Founded in 1900. As of October 23, 2026, the company's market capitalization is $11999280930 with a current stock price of $156.14.