Globe Life (GL) reported $1.52 billion in revenue for the quarter ended September 2025, representing a year-over-year increase of 4.1%. EPS of $4.81 for the same period compares to $3.49 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $1.52 billion, representing a surprise of -0.12%. The company delivered an EPS surprise of +5.95%, with the consensus EPS estimate being $4.54.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Globe Life performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Revenue- Total premium: $1.23 billion versus the five-analyst average estimate of $1.24 billion. The reported number represents a year-over-year change of +5%.
- Revenue- Net investment income: $286.01 million compared to the $286.47 million average estimate based on five analysts. The reported number represents a change of +0.4% year over year.
- Revenue- Life premium: $844.48 million compared to the $852 million average estimate based on four analysts. The reported number represents a change of +3.2% year over year.
- Revenue- Health premium: $386.52 million versus the four-analyst average estimate of $382.7 million. The reported number represents a year-over-year change of +9.2%.
- Life Underwriting Margin- Other: $36.45 million versus the three-analyst average estimate of $34.24 million. The reported number represents a year-over-year change of +10.6%.
- Life Underwriting Margin- Liberty National: $70.29 million compared to the $49.32 million average estimate based on three analysts. The reported number represents a change of +57.2% year over year.
- Life Underwriting Margin- Direct to Consumer: $113.74 million compared to the $107.06 million average estimate based on three analysts. The reported number represents a change of +28.9% year over year.
- Life Underwriting Margin- American Income: $261.12 million versus $261.23 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +18% change.
- Revenue- Other income (loss): $0.96 million versus $0.07 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +2173.8% change.
- Revenue- Health premium- Direct to Consumer: $19.19 million versus $19.19 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +6.2% change.
- Revenue- Health premium- Family Heritage: $118.64 million versus $117.56 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +10% change.
- Revenue- Health premium- American Income: $31.69 million compared to the $31.89 million average estimate based on three analysts. The reported number represents a change of +1.3% year over year.
View all Key Company Metrics for Globe Life here>>>
Shares of Globe Life have returned -7.2% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Globe Life Inc. (GL): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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