NYSE$GL

Globe Life Inc · Q3 2021 earnings

Q3 2021 earnings · · Investor relations

Briefing

Globe Life's financial performance remained strong, with increased life and health premiums and strategic share repurchases.

Globe Life Inc. reported a net income of $1.84 per diluted common share for the quarter ended September 30, 2021, compared to $1.76 for the same quarter last year. The company experienced growth in total life and health premiums, and repurchased 1.0 million shares of its common stock.

  • Net income was reported at $1.84 per diluted common share.
  • Total life premiums increased by 8% year-over-year.
  • Health premiums increased by 8% year-over-year at the Family Heritage Division.
  • 1.0 million shares of Globe Life Inc. common stock were repurchased during the quarter.

Headline financials

Total Revenue

$1.28B

Previous: $1.2B+6.9%
EPS (adj)

$1.78

Previous: $1.75+1.7%
Capital Expenditures

-$30.7M

Previous: -$28.8M-6.7%
Free Cash Flow

$158M

Previous: $160M-1.3%
Net Income

$189M

Previous: $189M-0.0%
Operating Income

$223M

Previous: $231M-3.6%
Gross Profit

$220M

Previous: $230M-4.2%
Cash & Equivalents

$96.3M

Previous: $80.1M+20.3%
Total Assets

$29.5B

Previous: $28B+5.2%

Revenue & EPS history

Globe Life · Revenue · Quarterly

$1.28B

Q3 2021+6.9%vs Q3 2020
Beat estimate in 13 of 16 quarters(81%)
ActualEstimate

Revenue by segment

Globe Life · $1.03B total across 2 segments · Q3 2021

  • Life Insurance
    $729M+8.1%
  • Health Insurance
    $299M+3.9%

Forward guidance

Globe Life projects net operating income per share to be in the range of $6.85 to $7.05 for the year ending December 31, 2021, and from $7.95 to $8.75 for the year ending December 31, 2022. The reduction from the previous guidance for the projected net operating income per share for 2021 is primarily due to higher COVID losses than previously anticipated.

Headwinds

  • Higher COVID losses than previously anticipated impacted the projected net operating income per share for 2021.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2021

Historical avgQ3 2021

+0.3%

Avg return

Earnings day

+1.0%

Avg return

5 days after

+1.8%

Avg return

30 days after

51%

37 / 72 earnings

Positive

+13.5%

Q1 2024

Best reaction

-4.6%

Q1 2025

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+2.7%+0.9%+3.4%
Q4 2025+1.5%-2.0%-1.8%
Q3 2025-0.0%-0.9%-2.4%
Q2 2025-2.3%+0.4%+2.7%
Q1 2025-4.6%-2.4%-1.2%
Q4 2024-2.5%-1.3%+2.0%
Q3 2024-1.5%-5.0%-0.5%
Q2 2024-0.5%+2.8%+12.6%
Q1 2024+13.5%+13.5%+28.3%
Q4 2023+3.1%+4.2%+2.0%
Q3 2023+2.0%+1.9%+9.0%
Q2 2023-2.6%-1.7%-2.3%
Q1 2023-1.5%+0.8%-0.4%
Q4 2022-3.4%+0.5%-0.2%
Q3 2022-2.4%+0.8%+2.3%
Q2 2022-1.1%-1.5%-1.9%
Q1 2022+3.1%-0.6%-8.9%
Q4 2021-0.3%+1.0%-5.4%
Q3 2021-4.2%-4.9%-5.2%
Q2 2021-0.2%+0.8%+2.0%
Q1 2021-1.2%-0.8%+2.1%
Q4 2020-0.5%+2.6%+3.5%
Q3 2020+3.6%+0.5%+11.8%
Q2 2020+6.8%+5.8%+7.3%
Q1 2020+1.8%+11.9%-1.3%
Q4 2019+2.8%+3.0%-15.0%
Q3 2019+0.6%+0.9%+5.2%
Q2 2019+0.9%+0.6%-5.7%
Q1 2019+1.9%-0.0%+0.3%
Q4 2018-1.6%-2.9%-2.7%
Q3 2018-1.3%-1.3%+2.3%
Q2 2018+2.7%+4.3%+4.6%
Q1 2018+2.2%+1.8%+0.3%
Q4 2017-3.5%+0.1%+4.7%
Q3 2017+1.1%+1.5%+1.8%
Q2 2017+0.0%+0.2%-1.4%
Q1 2017+1.3%+3.0%-0.8%
Q4 2016+0.2%+1.2%+6.3%
Q3 2016-0.8%-0.5%+11.4%
Q2 2016+0.6%-0.6%+2.9%
Q1 2016+2.3%
Q4 2015-0.7%
Q3 2015-3.8%
Q2 2015-3.7%
Q1 2015+0.2%
Q4 2014+1.8%
Q3 2014-4.4%
Q2 2014-1.5%
Q1 2014+1.2%
Q4 2013-2.9%
Q3 2013-1.9%
Q2 2013+0.4%
Q1 2013+2.4%
Q4 2012-1.8%
Q3 2012-1.3%
Q2 2012-2.6%
Q1 2012-0.4%
Q4 2011-0.4%
Q3 2011-2.9%
Q2 2011-2.7%
Q1 2011+2.1%
Q4 2010+0.3%
Q3 2010-1.0%
Q2 2010+1.2%
Q1 2010+2.5%
Q4 2009+1.6%
Q4 2007+1.6%
Q3 2009+5.2%
Q3 2008+5.2%
Q2 2009+2.5%
Q2 2008+2.5%
Q4 2008+2.5%

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