GL
GLOBE LIFE INC.
Financials • CIK: 0000320335
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Market Cap
$10.48B
P/E (TTM)
9.8x
Rev Growth (TTM)
—
Net Margin (TTM)
18.1%
FCF Yield (TTM)
—
FCF Margin (TTM)
22.9%
Cash Flow Health
Free Cash Flow8/8 positive
TTM$1.3B
Q2 '25
$295M-30%
Q1 '25
$420M+31%
FCF Margin
TTM22.9%
Q2 '2519.9%-30%
Sector: 21.9%Above Avg
OCF Margin–
OCF/NI1.33x
CapEx Coverage20.5x
FCF Yield–
FCF Growth (2Y)–
Cash Conversion Cycle
–
Capital Allocation & Returns
Shareholder Friendly
Total Shareholder YieldEst.
Est.8.2%
Div Yield1.2%
+Est. Buyback7.0%
Strong capital returns to shareholders
Dividend & Payout Metrics
Dividend Yield (TTM)1.2%
FCF Payout Ratio9.5%
Free Cash Flow (TTM)$1.3B
Stock Repurchases ()$1.2B
Est. Dividends Paid (TTM)$127.8M
Estimated: Buyback data estimated from FCF. Actual repurchase data not available for this company.
Shows how management rewards shareholders
Operational Efficiency & Returns
Return on Invested CapitalTTM
14.0%
P25MedianP75
75th pctl (med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
18.1%
Asset Turnover
0.20x
Leverage (1+D/E)
1.51x
D/E: 0.51x
DuPont: 5.5% ≈ 14.0% ROIC
Asset & CapEx Efficiency
Invested Cap Turn
0.77x
8Q:–
CapEx Intensity
0.9%
8Q:–
Asset-based ROIC formula
QUARTERLY TRENDS
Last 8 quarters + TTM
| Metric | TTM | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | $5.9B | $1.5B↑0.1% | $1.5B↑1.0% | $1.5B↑0.7% | $1.5B↑1.1% | $1.4B↑1.7% | $1.4B↑0.0% | $1.4B↑2.3% | $1.4B |
Operating Income | $1.3B | $313.3M↓0.9% | $316.1M↑13.9% | $277.5M↓27.6% | $383.1M↑13.1% | $338.6M↑3.4% | $327.4M↑0.0% | $327.4M↑1.6% | $322.1M |
Net Income | $1.1B | $252.7M↓0.7% | $254.6M↓0.2% | $255.2M↓15.8% | $303.0M↑17.3% | $258.4M↑1.6% | $254.2M↓7.5% | $274.8M↑6.9% | $257.1M |
Operating Cash Flow | $1.4B | $307.9M↓28.7% | $431.9M↑28.2% | $336.9M↓1.1% | $340.6M↓9.0% | $374.1M↑6.6% | $350.8M↓10.4% | $391.4M↑36.4% | $286.9M |
Free Cash Flow | $1.3B | $295.0M↓29.8% | $420.1M↑30.5% | $321.9M↑3.4% | $311.3M↓12.7% | $356.5M↑4.3% | $341.7M↓9.7% | $378.3M↑37.0% | $276.1M |
Total Equity | N/A |
Valuation Analysis
Fair Value
Price-to-EarningsTTM
9.8x
Valuation Lenses
Earnings
9.8x
vs – sector
Cash Flow
10.1x
EV/FCF vs –
Growth-Adj
–PEG
N/A
Quality-Adj
0.7P/E per %ROIC
ROIC: 14.0%
Shareholder Returns
Dividend
1.2%
Buyback
–
Total Yield
–
Market Cap$10.48B
EV–
Multi-angle valuation analysis with sector context
Business Quality & Moat
Overall Quality Score
92/100
Exceptional
Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)
Returns on Capital
Return on Equity (ROE)Top 10%
20.6%
8Q:–
Return on Invested Capital (ROIC)Top 25%
14.0%
8Q:–
vs Sector:0.1%
DuPont Analysis (ROIC = NOPAT Margin × Asset Turnover)
NOPAT Margin: 18.1%
Asset Turnover: 0.20x
Earnings Quality
Cash Conversion
1.33x
OCF / Net Income ✓
FCF Consistency
–
Positive quarters
Competitive Moat Indicators
Pricing Power
Gross Margin100.0%
Capital Efficiency
Invested Capital Turnover0.77x
Working Capital
Cash Conversion Cycle–
Growth Quality & Momentum
Growth Rates
Revenue Growth YoY
N/A
OpInc Growth YoY
-7.5%
EPS Growth YoY
N/A
FCF 3Y CAGR
N/A
Margin Quality & Sustainability
Low Quality
Profitability Cascade
Gross
100.0%
Operating
22.4%
Below Avg in sector
Net
18.1%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
—
FCF vs Net Gap
+4.8 pts
FCF: 22.9% | Net: 18.1%
Quality = stability + cash conversion + low dilution
Balance Sheet & Solvency
Adequate
Net Debt / EBITDA
–Net Debt: $2.43B
Interest Coverage
–
Leverage Metrics
Debt-to-Equity
0.51x
Balance sheet risk & solvency analysis