10-K · February 25, 2026
Globe Life reports steady premium and premium-in-force growth with total annualized premium in force of $3,421,143 (in thousands) in 2025 and health annualized premium rising to $1,649,670 (in thousands) in 2025. The…
Earnings analysis · 10-Q
GL earnings analysis
Filed May 7, 2026 · Our reading of the company's report
The latest report
Globe Life reported a strong Q1 2026, with revenue of $1.56 billion, exceeding estimates, while EPS came in at $3.43, just below expectations. The company raised its full-year EPS guidance, reflecting robust premium and…
Read full summary
Globe Life reported a strong Q1 2026, with revenue of $1.56 billion, exceeding estimates, while EPS came in at $3.43, just below expectations. The company raised its full-year EPS guidance, reflecting robust premium and net sales growth, particularly in the health insurance segment, despite rising operational costs.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
From revenue to operating profit
Where each $100 of revenue went in this report.
Cost of sales, operating expenses, and what remained. Figures are rounded to whole dollars.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $3.43
- Segment
- Life Insurance
- Segment
- Health Insurance
What stood out
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Revenue Exceeds Estimates
Q1 2026 revenue was $1.56 billion, beating estimates by $6 million.
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EPS Surge
Reported diluted EPS increased to $3.43, a 12% increase from $3.07 a year prior.
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Strong Segment Performance
Health insurance premiums grew 13% YoY, contributing significantly to overall growth.
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Increased Shareholder Returns
The company repurchased shares costing $203 million at an average price of $141.24.
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Higher Book Value
Book value per share climbed to $77.03, reflecting a 19% YoY increase.
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Robust Net Operating Income
Net operating income rose to $274 million, marking a 5.5% increase from the previous year.
What to watch
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Litigation Expenses
Legal proceedings expenses recorded $1.8 million, potentially impacting net income.
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Investment Market Volatility
Net unrealized loss on investments increased from $1.2 billion to $1.6 billion since year-end due to market rate changes.
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Operational Cost Increases
Operating expenses rose to $113.7 million, a 5% increase driven by administrative costs.
Management's outlook
EPS guidance raised to $15.40-$15.90 for FY 2026, up $0.35 at the midpoint.
Earlier filings 4
10-Q · May 7, 2025
Globe Life reported quarterly revenue of $1,480,422 (thousands) and diluted EPS of $3.01 for the three months ended March 31, 2025. Premiums grew year-over-year (total premium $1,199,654 vs $1,145,284) and operating…
10-Q · November 6, 2024
Globe Life reported Q3 results with total revenue of $1,455,407 (thousands) (up from $1,384,118 in Q3 2023) and diluted EPS of $3.44 (up from $2.68). Operating profitability improved (income before income taxes $376,958…
10-K · February 28, 2024
Globe Life positions itself as a niche life and supplemental health insurer with diversified distribution (direct-to-consumer, exclusive and independent agents) and growing premium in force. The 10-K shows scale in…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.