NYSE$GL

Globe Life Inc · Q3 2023 earnings

Q3 2023 earnings · · Investor relations

Briefing

Globe Life's Q3 2023 performance was marked by increased net income and operating income, driven by strong growth in its American Income, Liberty National, and Family Heritage divisions.

Globe Life Inc. reported a strong third quarter in 2023, with net income increasing by 35% and net operating income increasing by 21% compared to the year-ago quarter. The company saw growth across its divisions, including American Income, Liberty National, and Family Heritage, with increases in life and health net sales and premiums.

  • Net income increased 35% and net operating income increased 21% over the year-ago quarter.
  • American Income Division experienced a 6% increase in both life net sales and premiums, with a 16% rise in the average producing agent count.
  • Liberty National Division saw life and health net sales increase by 31% and 19%, respectively, with life premiums up by 7% and a 20% increase in the average producing agent count.
  • Family Heritage Division's health net sales increased by 15% and premiums by 8%, alongside a 7% increase in the average producing agent count.

Headline financials

Total Revenue

$1.38B

Previous: $1.29B+7.2%
EPS (adj)

$2.71

Previous: $2.15+26.0%
Net Income as an ROE

22.6%

No prior period
Net Operating Income ROE (excl. AOCI)

14.7%

No prior period
Shares Repurchased

753.6K

No prior period
Capital Expenditures

-$36.4M

Previous: -$19.8M-84.4%
Free Cash Flow

$221M

Previous: $167M+32.1%
Net Income

$257M

Previous: $187M+37.6%
Operating Income

$322M

Previous: $261M+23.6%
Gross Profit

$321M

Previous: $259M+23.9%
Cash & Equivalents

$85.5M

Previous: $85.6M-0.0%
Total Assets

$26.2B

Previous: $24.8B+5.3%

Revenue & EPS history

Globe Life · Revenue · Quarterly

$1.38B

Q3 2023+7.2%vs Q3 2022
Beat estimate in 3 of 15 quarters(20%)
ActualEstimate

Revenue by segment

Globe Life · $1.12B total across 2 segments · Q3 2023

  • Life Insurance
    $788M+4.4%
  • Health Insurance
    $331M+3.7%

Forward guidance

Globe Life projects net operating income between $10.49 to $10.65 per diluted common share for the year ending December 31, 2023. For the year ending December 31, 2024, we estimate that net operating income per share will be in the range of $11.00 to $11.60.

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 2023

Historical avgQ3 2023

+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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