NYSE$GL

Globe Life Inc · Q3 2024 earnings

Q3 2024 earnings · · Investor relations

Briefing

Globe Life's financial performance remained strong, with increased net income and strategic share repurchases.

Globe Life Inc. reported a strong third quarter in 2024, with net income at $3.44 per diluted common share, compared to $2.68 in the previous year. Net operating income also increased to $3.49 per diluted common share from $2.71 in the year-ago quarter. The company repurchased 5.8 million shares at a total cost of $580 million.

  • Net income increased 18% and net operating income increased 19% over the year-ago quarter.
  • Life net sales and life premiums at American Income Life Division increased by 19% and 7%, respectively.
  • The average producing agent count at the Liberty National Division increased 14% over the year-ago quarter, and life premiums increased 6%.
  • Health net sales at the Family Heritage Division increased 16%, and health premiums increased 8% over the year-ago quarter.

Headline financials

Total Revenue

$1.46B

Previous: $1.38B+5.2%
EPS

$3.44

Previous: $2.71+26.9%
Net Income as an ROE

22.4%

Previous: 22.6%-0.9%
Net Operating Income ROE (excl. AOCI)

15.3%

Previous: 14.7%+4.1%
Capital Expenditures

-$56M

Previous: -$36.4M-53.8%
Free Cash Flow

$247M

Previous: $221M+11.9%
Net Income

$303M

Previous: $257M+17.9%
Operating Income

$383M

Previous: $322M+18.9%
Gross Profit

$379M

Previous: $321M+18.1%
Cash & Equivalents

$135M

Previous: $85.5M+57.3%
Total Assets

$29.6B

Previous: $26.2B+13.0%

Revenue & EPS history

Globe Life · Revenue · Quarterly

$1.46B

Q3 2024+5.2%vs Q3 2023
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 $12.20 to $12.40 per diluted common share for the year ending December 31, 2024. For the year ending December 31, 2025, we estimate that net operating income per share will be in the range of $13.20 to $13.90.

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 2024

Historical avgQ3 2024

+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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