NYSE$GL

Globe Life Inc · Q3 2022 earnings

Q3 2022 earnings · · Investor relations

Briefing

Globe Life's financial performance for Q3 2022 showed an increase in net income per diluted common share compared to the year-ago quarter.

Globe Life Inc. reported a net income of $1.90 per diluted common share for the quarter ended September 30, 2022, compared to $1.84 per diluted common share for the year-ago quarter. Net operating income for the quarter was $2.15 per diluted common share, compared with $1.78 per diluted common share for the year-ago quarter.

  • Life premiums increased 6% at the American Income Life Division and 5% at the Liberty National Division over the year-ago quarter.
  • Total health premiums increased over the year-ago quarter by 7%.
  • Total health net sales increased 10% over the year-ago quarter.
  • 563,574 shares of Globe Life Inc. common stock were repurchased during the quarter.

Headline financials

Total Revenue

$1.29B

Previous: $1.28B+1.1%
EPS (adj)

$2.15

Previous: $1.78+20.8%
Capital Expenditures

-$19.8M

Previous: -$30.7M+35.7%
Free Cash Flow

$167M

Previous: $158M+5.6%
Net Income

$187M

Previous: $189M-1.1%
Operating Income

$261M

Previous: $223M+17.0%
Gross Profit

$259M

Previous: $220M+17.6%
Cash & Equivalents

$85.6M

Previous: $96.3M-11.1%
Total Assets

$24.8B

Previous: $29.5B-15.8%

Revenue & EPS history

Globe Life · Revenue · Quarterly

$1.29B

Q3 2022+1.1%vs Q3 2021
Beat estimate in 3 of 15 quarters(20%)
ActualEstimate

Revenue by segment

Globe Life · $1.07B total across 2 segments · Q3 2022

  • Life Insurance
    $755M+3.6%
  • Health Insurance
    $319M+6.7%

Forward guidance

Globe Life projects that net operating income per share will be in the range of $8.00 to $8.20 for the year ending December 31, 2022. For the year ending December 31, 2023, we estimate that net operating income per share, computed under current accounting guidance, will be in the range of $9.00 to $9.70. In addition, we estimate that the adoption of the new accounting guidance relating to long-duration life insurance contracts effective January 1, 2023 will provide an additional net increase in net operating income in the range of $105 million to $130 million, net of tax, primarily as a result of lower amortization of deferred acquisition costs.

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 2022

Historical avgQ3 2022

+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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