NYSE$GL

Globe Life Inc · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

Globe Life reported Q3 2025, revenue of $1.51B, net income of $198M, diluted EPS of $2.15.

For Q3 2025, Globe Life reported revenue of $1.51B, net income of $198M, diluted EPS was $2.15. The filing discusses segment trends, liquidity, and management outlook for upcoming periods.

  • Revenue $1.51B.
  • Net income $198M.
  • Diluted EPS $2.15.

Headline financials

Total Revenue

$1.51B

Previous: $1.46B+4.0%
EPS (adj)

$2.15

Previous: $3.44-37.5%
Net Income as an ROE

21.9%

Previous: 22.4%-2.2%
Net Operating Income ROE (excl. AOCI)

16.6%

Previous: 15.3%+8.5%
American Income Life Underwriting Margin YOY Change

18.0%

No prior period
American Income Life Premiums YOY Change

5.0%

No prior period
Family Heritage Health Premiums YOY Change

10.0%

No prior period
Liberty National Life Net Sales YOY Change

0.0%

No prior period
American Income Life Net Sales YOY Change

0.0%

No prior period
Total Health Net Sales YOY Change

21.0%

No prior period
Net Investment Income YOY Change

0.0%

No prior period
American Income Life Avg Agent Count YOY Change

2.0%

No prior period
Liberty National Avg Agent Count YOY Change

1.0%

No prior period
Family Heritage Avg Agent Count YOY Change

9.0%

No prior period
Shares Repurchased

840.2K

No prior period
Average Share Price Repurchased

$134.17

No prior period
Capital Expenditures

-$122M

Previous: -$56M-117.6%
Net Income

$388M

Previous: $303M+28.0%
Operating Income

$394M

Previous: $383M+2.9%

Revenue & EPS history

Globe Life · Revenue · Quarterly

$1.51B

Q3 2025+4%vs Q3 2024
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

The release discusses Globe Life's outlook, capital allocation, and key risks for upcoming quarters, including guidance ranges or operating priorities where disclosed.

Tailwinds

  • Globe Life cites demand and execution supporting the near-term outlook.
  • Liquidity and balance-sheet capacity support operations and shareholder returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability versus prior periods.

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 2025

Historical avgQ3 2025

+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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