Company financials

Globe Life

Financials Life & Health Insurance McKinney, Texas Last filing Feb 25, 2026 · FY2025

                    Revenue
                    FY2025
                
$6.0B
                    3y CAGR +4.7%
                    
                    P14
                    
                    +3.7%
                    
                    Net income
                    FY2025
                
$1.2B
                    Net margin +19.4%
                    
                    P48
                    
                    +8.4%
                    
                    Total assets
                    FY2025
                
$30.8B
                    ROA +3.8%
                    
                    P62
                    
                    +6.0%
                    
                    Operating cash flow
                    FY2025
                
$1.4B
                    FCF margin +20.9%
                    
                    P43
                    
                    -0.4%

19 yrs · FY2007–FY2025 1 quarantined 9 filed · 0 derived · 0 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Each cell as a share of that year’s total assets.

Balance Sheet

Assets, liabilities, and equity

22 accounts · 10 years

Total assets $30.8B

Total liabilities $24.8B

Shareholders equity $6.0B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Assets
Cash and Cash Equivalents	0.5%	0.6%	0.4%	0.4%	0.3%	0.3%	0.3%	0.5%	0.5%	0.4%
Short Term Investments	1.0%	0.3%	0.3%	0.4%	0.2%	0.4%	0.1%	0.3%	0.5%	0.3%
Other Current Assets	5.4%	4.8%	3.0%	3.0%	2.6%	2.5%	2.2%	2.4%	2.3%	2.4%
Property,Plant and Equipment	0.0%	1.0%	0.9%	2.3%	1.9%	1.8%	1.7%	1.6%	1.4%	1.4%
Goodwill	1.6%	1.7%	1.7%	1.9%	1.6%	1.5%	1.7%	1.9%	1.9%	2.1%
Long Term Investments	4.5%	4.3%	3.0%	3.8%	2.7%	1.9%	1.3%	0.9%	0.5%	0.3%
Other Noncurrent Assets	5.4%	4.8%	3.0%	3.0%	2.6%	2.5%	2.2%	2.4%	2.3%	2.4%
Total Assets	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
Liabilities
Current Portion of Long Term Debt	1.0%	1.4%	1.7%	0.6%	0.5%	0.0%	0.0%	0.0%	0.0%	0.0%
Other Current Liabilities	2.7%	2.0%	1.7%	2.1%	2.4%	2.5%	2.0%	2.0%	2.1%	1.9%
Total Current Liabilities	80.6%	81.8%	84.0%	80.8%	71.0%	69.8%	71.9%	76.6%	73.5%	78.7%
Long Term Debt	7.6%	8.0%	5.8%	7.0%	5.7%	5.7%	5.2%	5.9%	4.8%	5.3%
Other Noncurrent Liabilities	2.7%	2.0%	1.7%	2.1%	2.4%	2.5%	2.0%	2.0%	2.1%	1.9%
Total Liabilities	80.6%	81.8%	84.0%	80.8%	71.0%	69.8%	71.9%	76.6%	73.5%	78.7%
Equity
Preferred Stock	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Common Stock	0.3%	0.3%	0.4%	0.4%	0.4%	0.4%	0.5%	0.5%	0.5%	0.6%
Additional Paid In Capital	1.7%	1.8%	1.9%	2.1%	1.7%	1.8%	2.0%	2.3%	2.2%	2.3%
Retained Earnings	27.7%	27.5%	26.7%	25.3%	20.8%	20.2%	21.4%	22.6%	20.5%	18.2%
Treasury Stock	4.6%	4.4%	3.0%	1.8%	2.8%	2.7%	2.9%	3.3%	2.7%	2.4%
Accumulated Other Comprehensive Income	-5.7%	-7.0%	-9.9%	-5.5%	9.0%	10.4%	7.1%	1.4%	6.1%	2.7%
Total Stockholders Equity	19.4%	18.2%	16.0%	15.5%	6.7%	30.2%	28.1%	23.4%	26.5%	21.3%
Total Liabilitiesand Equity	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%

Income Statement

Revenue, expense, and profitability

13 accounts · 10 years

Revenue $6.0B

Operating income $1.3B

Net income $1.2B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
IncomeStatement
Revenues Total Revenue	19.5%	19.9%	19.4%	20.5%	17.2%	16.3%	17.4%	18.6%	17.7%	18.4%
Expenses Selling,General and Administrative	0.0%	0.0%	1.1%	1.2%	0.9%	0.9%	1.0%	1.0%	0.9%	0.9%
Expenses Share Based Compensation	0.2%	0.1%	0.1%	0.1%	0.1%	0.1%	0.2%	0.2%	0.2%	0.1%
Other Income Expense Interest Expense	0.5%	0.4%	0.4%	0.4%	0.3%	0.3%	0.3%	0.4%	0.4%	0.4%
Other Income Expense Other Income/expense	-0.0%	-0.0%	-0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.0%
Other Income Expense Income Before Tax	4.7%	4.6%	4.3%	4.3%	4.3%	3.1%	3.6%	3.7%	3.5%	3.6%
Income Tax Income Tax Expense	0.9%	0.9%	0.8%	0.8%	0.8%	0.6%	0.7%	0.7%	-2.7%	1.1%
net Income net Income	3.8%	3.7%	3.5%	3.5%	3.5%	2.5%	2.9%	3.0%	6.2%	2.6%
net Income Comprehensive Income	4.6%	6.2%	3.5%	9.2%	5.3%	6.6%	8.8%	-1.7%	8.7%	4.2%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Basic	0.3%	0.3%	0.3%	0.4%	0.3%	0.4%	0.4%	0.5%	0.5%	0.6%
Earnings Per Share Weighted Average Shares Diluted	0.3%	0.3%	0.3%	0.4%	0.3%	0.4%	0.4%	0.5%	0.5%	0.6%

Cash Flow Statement

Operating, investing, and financing flows

17 accounts · 10 years

Operating cash flow $1.4B

Investing cash flow $-643.6M

Financing cash flow $-768.1M

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
CashFlow
Operating Activities net Income	3.8%	3.7%	3.5%	3.5%	3.5%	2.5%	2.9%	3.0%	6.2%	2.6%
Operating Activities Depreciation and Amortization	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.0%	0.0%
Operating Activities Stock Based Compensation	0.2%	0.1%	0.1%	0.1%	0.1%	0.1%	0.2%	0.2%	0.2%	0.1%
Operating Activities net Cash From Operating Activities	4.5%	4.8%	5.3%	5.6%	4.8%	5.1%	5.3%	5.5%	6.1%	6.5%
Investing Activities Capital Expenditures	0.5%	0.2%	0.2%	0.1%	0.1%	0.1%	0.2%	0.2%	0.1%	0.1%
Investing Activities Purchases of Investments	3.0%	4.7%	5.5%	5.6%	3.4%	4.3%	6.0%	5.0%	5.6%	7.1%
Investing Activities Proceeds From Sale of Investments	1.0%	0.7%	0.9%	1.8%	1.0%	1.4%	3.2%	1.5%	2.1%	1.1%
Investing Activities Other Investing Activities	0.0%	-0.0%	0.0%	0.0%	0.2%	0.0%	-0.0%	-0.0%	—	—
Investing Activities net Cash From Investing Activities	-2.1%	-2.2%	-3.3%	-3.7%	-3.1%	-4.1%	-3.1%	-3.9%	-3.9%	-5.0%
Financing Activities Repurchase of Common Stock	2.9%	3.4%	1.8%	1.8%	1.8%	1.5%	1.8%	1.8%	1.8%	1.9%
Financing Activities Dividends Paid	0.3%	0.3%	0.3%	0.3%	0.3%	0.3%	0.3%	0.3%	0.3%	0.3%
Financing Activities Proceeds From Stock Issuance	0.5%	0.2%	0.4%	0.4%	0.2%	0.2%	0.3%	0.2%	0.3%	0.3%
Financing Activities net Cash From Financing Activities	-2.5%	-2.5%	-1.9%	-1.9%	-1.8%	-0.9%	-2.3%	-1.7%	-1.9%	-1.5%
Cash Reconciliation Effect of Exchange Rate On Cash	-0.0%	0.1%	-0.0%	0.1%	-0.0%	-0.0%	-0.0%	0.1%	-0.0%	—
Cash Reconciliation net Change In Cash	-0.1%	0.2%	0.0%	0.0%	-0.0%	0.1%	-0.2%	0.0%	0.2%	—
Cash Reconciliation Cash At Beginning of Period	0.5%	0.6%	0.4%	0.4%	0.3%	0.3%	0.3%	0.5%	0.5%	—
Cash Reconciliation Cash At End of Period	0.5%	0.6%	0.4%	0.4%	0.3%	0.3%	0.3%	0.5%	0.5%	—

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 10 years

Ratio	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Profitability
Gross margin	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	+23.2%	+22.7%	+24.0%	+19.1%	+20.3%	+20.2%	+19.8%	+20.0%
Net margin	+19.4%	+18.5%	+17.8%	+17.1%	+20.2%	+15.4%	+16.8%	+16.3%	+35.0%	+14.0%
FCF margin	+20.9%	+23.0%	+26.3%	+26.7%	+27.4%	+30.3%	+29.2%	+28.6%	+33.9%	+34.9%
Growth
Revenue CAGR (3y)	+4.7%	+4.2%	+4.8%	+4.9%	+5.9%	+4.5%	+4.8%	+4.5%	+4.7%	+4.0%
Returns
ROE	+19.4%	+20.2%	+21.6%	+22.6%	+51.5%	+8.3%	+10.4%	+13.0%	+23.3%	+12.0%
ROA	+3.8%	+3.7%	+3.5%	+3.5%	+3.5%	+2.5%	+2.9%	+3.0%	+6.2%	+2.6%
ROIC	—	—	+15.8%	+16.6%	+26.4%	+7.1%	+8.8%	+10.6%	+11.3%	+9.8%
Liquidity
Current ratio	—	—	—	—	—	—	—	—	—	—
Quick ratio	—	—	—	—	—	—	—	—	—	—
Leverage
D/E	4.16x	4.48x	5.25x	5.23x	10.54x	2.31x	2.56x	3.26x	2.77x	3.69x
Interest coverage	—	—	12.36x	13.13x	14.70x	10.44x	10.91x	9.67x	9.71x	9.45x
Efficiency
Asset turnover	0.19x	0.20x	0.19x	0.20x	0.17x	0.16x	0.17x	0.19x	0.18x	0.18x
Cash conversion cycle	—	—	—	—	—	—	—	—	—	—

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Globe Life

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