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NEW YORK STOCK EXCHANGE, INC. · Insurance · CIK 0000320335
$168.41
-0.71% · live
Updated
$15.53B market value
From GLOBE LIFE INC.'s FY2025 10-K, filed Feb 25, 2026 · read the filing
GLOBE LIFE sells insurance. It took in $5.99B last year, which makes it a mid-sized company. Of every dollar it sells, about 19 cents is left as profit.
The financial picture is led by profitability, with growth and debt worth watching.
A conclusion from the filings, not a recommendation. Detailed figures and supporting evidence appear in their dedicated sections below.
Recent open-market selling by 8 insiders, not under a pre-arranged plan.
$31.8M sold in the last 120 days · Read the filing
These are things the company filed or that a published model flagged — not predictions, and not a reason on their own to buy or sell anything.
Financial health
Generally healthy, with a few things to watch.
From GLOBE LIFE INC.'s FY2025 annual filing · share price scored separately
Largest year-over-year changes in FY2025
Capital spending
$71.0M → $142.5M
Shares in issue
97.2M → 92.2M
Profit
$1.07B → $1.16B
Free cash flow
$1.33B → $1.25B
Measured against FY2024, from the 10-K filed Feb 25, 2026
Changed: +100.6%
$71.0M to $142.5MCritical
Why it matters: Neither good nor bad on its own. Heavy spending is a company building capacity or a company struggling to stand still, and the two look identical in this figure.
How the latest move compares (quote live), and what was published around it
GL fell 0.71% on the latest quote. The average Financials company tracked here moved +1.13%, and the S&P 500 −1.04%. That is 1.8 points below its sector and in line with the market.
Expectations
Not from the filings — what other people are betting on, and what the price already assumes.
Opinions from 23 analysts covering this company, as of . Their views, not this site's.
Of 23 analysts publishing on this company, 4 say strong buy, 13 say buy and 6 say hold. Analysts are paid to publish a view and are wrong often; the split above says how much they agree with each other, which is the part a single headline rating hides.
Published by Finnhub. Analyst coverage skews towards larger companies and towards optimism — sell ratings are rare across the whole market, so a company with none is ordinary rather than endorsed.
The essentials
Each answered from the filings, with the numbers behind it.
Yes. It keeps about 19 cents of every dollar of sales as profit, earning $1.16B last year.
Slowly. Sales grew 3.7% last year.
For every $1 it owes, it owns $1.24 in assets. Banks and insurers always carry high debt — that is how lending works — so this is normal for the industry and not comparable with other sectors.
Core operating and valuation reference metrics
Whether the dividend is covered by what the business actually earns
It pays out 7 cents of every dollar of profit and keeps the rest, which leaves the payment comfortably covered. It paid out 6% of the cash its operations generated. It has paid in each of the last 12 years.
GoodNext payment expected around , projected from how regularly it has paid before rather than from a date the company has announced.
Figures from the FY2025 annual filing
Last year it earned $1.16B and generated $1.40B of cash from operations.
As reported to the SEC, in USD. Hover or show sources to see where each figure came from.
| Income statement | FY202510-K · Feb 25, 2026Filing for FY2025 | FY202410-K · Feb 26, 2025Filing for FY2024 | FY202310-K · Feb 28, 2024Filing for FY2023 | FY202210-K · Feb 28, 2024Filing for FY2022 | FY202110-K · Feb 28, 2024Filing for FY2021 | ChangeFY2025 vs FY2024 |
|---|---|---|---|---|---|---|
| RevenueWhat is this? | $5.99B | $5.78B | $5.45B | $5.23B | $5.11B | +3.7% |
| Gross profit | — | — | $1.26B | $1.18B | $1.22B | — |
| Gross marginGross profit ÷ revenueWhat is this? | — | — | 23.1% | 22.6% | 23.8% | — |
| Selling, general and administrative | — | — | $302.1M | $307.5M | $282.0M | — |
| Operating income | — | — | $1.27B | $1.19B | $1.23B | — |
| Operating marginOperating income ÷ revenueWhat is this? | — | — | 23.2% | 22.7% | 24.0% | — |
| Interest expense | $141.2M | $127.1M | $102.3M | $90.4M | $83.5M | +11.1% |
| Income before tax | $1.44B | $1.33B | $1.19B | $1.10B | $1.27B | +8.2% |
| Net income | $1.16B | $1.07B | $970.8M | $894.4M | $1.03B | +8.4% |
| Net marginNet income ÷ revenueWhat is this? | 19.4% | 18.5% | 17.8% | 17.1% | 20.2% | +0.8 pts |
| Earnings per shareNet income ÷ shares outstanding at the period end — close to, but not the same as, the reported EPSWhat is this? | $12.59 | $11.01 | $9.50 | $8.50 | $9.44 | +14.3% |
† calculated from other reported figures, such as total liabilities as assets minus equity.
This company's latest filing beside its peers' stored scores
| Company | Health | F-Score | Revenue growth | Profit margin | P/E | Debt to equity |
|---|---|---|---|---|---|---|
| GLGLOBE LIFE INC. · this page | 7.3/10 | 6/7 |
Insider activity, ownership stakes and what's coming — straight from EDGAR, before any article is written about it
Officers, directors and major shareholders must report within two business days of a trade.
Exercised stock options — 10,000 shares at $103.23 ($1.0M)
Holds 22,384 shares after this filing.
Sold on the open market — 3,344 shares at $169.53 ($566.9K)
Holds 19,040 shares after this filing.
20 recent filings, newest first. Each is labelled from its form and item numbers, not from its wording.
Published results
Read the filingHad a director or senior officer leave or join
Read the filingWrite down why you are following GLOBE LIFE INC., what has to go right and what would change your mind, then see each new annual report measured against it. Sign in to start one.
Go deeper
Every figure above traces back to a filing in the timeline, each linked to the document itself.
The 4 subsidiaries named in its 10-K, incorporated across 3 places. A filer lists the significant ones and may leave the rest out, so this is the floor rather than the full count.
Source: Exhibit 21 of the 10-K filed 2026-02-25. These are legal entities, not brands or acquisitions — a company that bought a business may hold it inside an entity named here, or inside one small enough that the rule does not require naming it at all.
Every company's figures are checked for internal consistency: the balance sheet adding up, figures sharing one currency, cash flow and share counts within plausible ranges, and how recent the latest annual report is. Nothing here changes a figure.
Financial figures are from GL's 10-K for fiscal year 2025 (period ending 2025-12-31, filed Feb 25, 2026), reported under the US GAAP taxonomy. View the source filing.
3 of 4 scored areas had enough reported figures to judge
The score averages profitability, growth, debt and accounting. Accounting had too few reported figures and is left out of the average rather than counted as a weakness, so a company is never marked down for a figure it did not publish. Cash generation is shown for context and already feeds profitability. Valuation is scored separately, because a share price says nothing about whether the business is sound. 7 of the 9 Piotroski checks could be evaluated. How the score works
Each year scored only from its annual report as it was first filed
| Fiscal year | Health | F-Score | Scored from |
|---|---|---|---|
| FY2025 | 7.3 | 6/7 | 10-K, filed Feb 25, 2026 |
| FY2024 | 7.3 | 6/7 | 10-K, filed Feb 26, 2025 |
| FY2023 | 7.3 | 7/8 | 10-K, filed Feb 28, 2024 |
| FY2022 | 7.3 | 5/8 | 10-K, filed Feb 28, 2024 |
| FY2021 | 7.3 | 7/8 | 10-K, filed Feb 24, 2022 |
| FY2020 | 7.3 | 4/8 | 10-K, filed Feb 25, 2021 |
A later restatement never reaches back into an earlier year, and every year is scored without a share price, so the latest point can differ a little from the headline score, which uses today's price.
Every check behind the three models, and what each one tests
6 of 7 checks passed
Nine yes-or-no tests of whether this year's finances improved on last year's. 2 could not be evaluated and are excluded from the total rather than counted as failures.
not reported — Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Distance from bankruptcy, from a model fitted on companies that did and did not go bust. It describes a balance sheet's shape today; it does not forecast a failure.
not reported — Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Screens eight accounting ratios for the pattern earnings manipulators tend to leave. A flag is a reason to read the filing closely, never evidence of wrongdoing.
Every figure above comes from the FY2025 filing as filed with the SEC.
Improved: -5.1%
97.2M to 92.2MSignificant
Why it matters: The company bought back stock, so each remaining holding owns slightly more of it. Worth checking it was not funded by borrowing.
Improved: +8.4%
$1.07B to $1.16BNotable
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Deteriorated: -5.8%
$1.33B to $1.25BNotable
Why it matters: Cash left after paying for the plant that produced it — the money genuinely available for dividends, buybacks or paying down debt. Harder to flatter than profit.
Improved: +14.3%
$11.01 to $12.59Notable
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Deteriorated: -12.5%
$165.3M to $144.7MNotable
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Q2 FY2026 against Q2 FY2025, from the 10-Q filed Aug 5, 2026 — read it.
Improved: +20.0%
$2.60 to $3.12Significant
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Improved: -5.1%
97.2M to 92.2MSignificant
Why it matters: The company bought back stock, so each remaining holding owns slightly more of it. Worth checking it was not funded by borrowing.
Improved: +8.0%
$1.48B to $1.60BNotable
Why it matters: Sales are what everything else is built on. A fall can be lost customers, lower prices, or a business the company sold — the filing itself says which.
Improved: +13.8%
$252.7M to $287.7MNotable
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Deteriorated: +14.6%
$2.33B to $2.67BNotable
Why it matters: Rising debt is not automatically bad — borrowing to build something that earns more than the interest is ordinary. It matters when it grows faster than the profit meant to service it.
Improved: +7.5%
$239.1M to $257.1MNotable
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Q2 FY2026 against Q1 FY2026, from the 10-Q filed Aug 5, 2026 — read it. Quarter-to-quarter moves include seasonal swings — a retailer's holiday quarter — which the year-earlier comparison removes.
Improved: +6.4%
$270.5M to $287.7MNotable
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Improved: +6.4%
$2.93 to $3.12Notable
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Deteriorated: +14.8%
$2.32B to $2.67BNotable
Why it matters: Rising debt is not automatically bad — borrowing to build something that earns more than the interest is ordinary. It matters when it grows faster than the profit meant to service it.
4 other measures barely moved. Figures compare the two most recent annual filings — read the latest one. Moves are graded on fixed lines — 5%, 15% and 40% for amounts, and 1, 3 and 8 points for margins — as notable, significant or critical. Nothing here reads the management commentary, which is where a company explains its own numbers.
These coincide with the move in time. None is presented as its cause: a price can move on news that names no company, on the wider market, or on trading that no document records.
Filter by minute, hour, day or week — or compare against peers
Loading price history…
Measured on and published about a week later — this is a fortnightly snapshot, not a live position.
About 2.3% of this company's shares have been borrowed and sold by people expecting to buy them back cheaper. That is a bet the price falls. Those people can be wrong, and when a heavily shorted share rises they have to buy it back, which pushes it up further.
Collected by FINRA from broker-dealers twice a month. It counts positions, not intentions, and some of it is hedging rather than a directional bet against the company.
Nothing in this section is a figure this company reported about itself. These are expectations and positions — what the price implies, what analysts have published, what short sellers are betting, and what large funds held at the last count. WylthIQ reports them; it does not endorse them, does not forecast prices, and takes no view on whether any of them will turn out to be right.
The trailing P/E is 13.0x — investors pay $13.0 for each $1 of trailing profit.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Reported annual figures
| 3.7% |
| 19.4% |
| 13.37x |
| 4.16x |
| METMETLIFE INC | 6.0/10 | 4/6 | 8.5% | 138.7% | 20.09x | 25.22x |
|---|
| AFLAFLAC INC | 6.0/10 | 3/6 | -9.3% | 21.2% | 17.54x | 2.95x |
|---|
| PRUPRUDENTIAL FINANCIAL INC | 3.3/10 | 6/7 | -13.7% | 5.9% | 11.70x | 22.76x |
|---|
| PFGPRINCIPAL FINANCIAL GROUP INC | 3.3/10 | 5/7 | -3.1% | 7.6% | 20.20x | 27.68x |
|---|
| LNCLINCOLN NATIONAL CORP | 3.3/10 | 2/7 | -1.2% | 6.5% | 6.64x | 37.25x |
|---|
| Median of peers | 3.3/10 | — | -3.1% | 7.6% | 17.54x | 25.22x |
|---|
Peers come from the company's industry classification. A difference describes the companies; it does not rank them.
Sold on the open market — 6,656 shares at $170.34 ($1.1M)
Holds 12,384 shares after this filing.
Exercised stock options — 23,000 shares at $103.23 ($2.4M)
Holds 30,981 shares after this filing.
Sold on the open market — 11,454 shares at $182.77 ($2.1M)
Holds 19,527 shares after this filing.
Sold on the open market — 10,529 shares at $183.83 ($1.9M)
Holds 8,998 shares after this filing.
Sold on the open market — 1,017 shares at $184.75 ($187.9K)
Holds 7,981 shares after this filing.
Exercised stock options — 50,000 shares at $98.32 ($4.9M)
Holds 108,451 shares after this filing.
Sold on the open market — 49,600 shares at $182.43 ($9.0M)
Holds 58,851 shares after this filing.
Sold on the open market — 400 shares at $183.36 ($73.3K)
Holds 58,451 shares after this filing.
Exercised stock options — 37,000 shares at $103.23 ($3.8M)
Holds 90,518 shares after this filing.
Sold on the open market — 33,500 shares at $178.56 ($6.0M)
Holds 57,018 shares after this filing.
Sold on the open market — 3,500 shares at $179.35 ($627.7K)
Holds 53,518 shares after this filing.
Exercised stock options — 10,000 shares at $103.23 ($1.0M)
Holds 60,568 shares after this filing.
Exercised stock options — 11,000 shares at $120.49 ($1.3M)
Holds 71,568 shares after this filing.
Sold on the open market — 10,720 shares at $179.30 ($1.9M)
Holds 60,848 shares after this filing.
Sold on the open market — 4,840 shares at $180.08 ($871.6K)
Holds 56,008 shares after this filing.
Sold on the open market — 2,650 shares at $181.23 ($480.3K)
Holds 53,358 shares after this filing.
Sold on the open market — 2,790 shares at $181.81 ($507.3K)
Holds 50,568 shares after this filing.
Exercised stock options — 14,100 shares at $120.49 ($1.7M)
Holds 64,668 shares after this filing.
Exercised stock options — 11,550 shares at $128.40 ($1.5M)
Holds 76,218 shares after this filing.
Sold on the open market — 9,550 shares at $178.06 ($1.7M)
Holds 66,668 shares after this filing.
Sold on the open market — 12,303 shares at $178.73 ($2.2M)
Holds 54,365 shares after this filing.
Sold on the open market — 3,797 shares at $179.42 ($681.2K)
Holds 50,568 shares after this filing.
Exercised stock options — 1,850 shares at $103.23 ($191.0K)
Holds 15,547 shares after this filing.
Sold on the open market — 1,850 shares at $179.18 ($331.5K)
Holds 13,697 shares after this filing.
Exercised stock options — 14,017 shares at $105.56 ($1.5M)
Holds 24,879 shares after this filing.
Sold on the open market — 2,750 shares at $177.56 ($488.3K)
Holds 22,129 shares after this filing.
Sold on the open market — 1,010 shares at $178.71 ($180.5K)
Holds 21,119 shares after this filing.
Sold on the open market — 1,934 shares at $180.13 ($348.4K)
Holds 19,185 shares after this filing.
Sold on the open market — 2,564 shares at $180.57 ($463.0K)
Holds 16,621 shares after this filing.
Notice filed ahead of a planned sale — the sale itself has not necessarily happened yet.
Filed notice to sell 10,000 shares ($1.7M) on or after .
Shares originally obtained via Stock Option Exercise.
Filed notice to sell 16,500 shares ($2.9M) on or after .
Shares originally obtained via Stock Option Exercise.
Filed notice to sell 23,000 shares ($4.2M) on or after .
Shares originally obtained via Stock Option Exercise.
Filed notice to sell 50,000 shares ($9.0M) on or after .
Shares originally obtained via Stock Option Exercise.
Filed notice to sell 46,650 shares ($8.1M) on or after .
Shares originally obtained via Stock Option Exercise.
Filed notice to sell 37,000 shares ($6.3M) on or after .
Shares originally obtained via Stock Option Exercise.
Estimated from how often this has happened before, not a confirmed date.
Not investment advice, and not a signal to act on by itself — a filing says what happened, not why, and insiders trade for ordinary reasons having nothing to do with where they think the company is headed.
Quarterly report for Q2 FY2026
Revenue +8.0% · Earnings per share +20.0% · Shares in issue -5.1% — against Q2 FY2025
Published results
Read the filingSigned a material agreement
Read the filingQuarterly report for Q1 FY2026
Revenue +5.3% · Capital spending +112.1% · Shares in issue -5.1% — against Q1 FY2025
Read the filingHad a director or senior officer leave or join · Held a shareholder vote
Read the filingPublished results
Read the filingProxy statement for a shareholder meeting
Read the filingHad a director or senior officer leave or join
Read the filingAnnual report for FY2025
Capital spending +100.6% · Shares in issue -5.1% · Profit +8.4% — against FY2024
Read the filingPublished results
Read the filingHad a director or senior officer leave or join
Read the filingQuarterly report for Q3 FY2025
Profit margin +4.8 pts · Cash +125.0% · Profit +28.0% — against Q3 FY2024
Read the filingPublished results
Read the filingQuarterly report for Q2 FY2025
Long-term debt +42.6% · Cash +172.0% · Shares in issue -4.9% — against Q2 FY2024
Read the filingReported another event
Read the filingPublished results
Read the filingTook on a direct financial obligation
Read the filingQuarterly report for Q1 FY2025
Long-term debt +42.6% · Cash +178.0% · Free cash flow +23.0% — against Q1 FY2024
Read the filingCoverage from the last 30 days
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Primary sources and further research