Compared to Estimates, Globe Life (GL) Q4 Earnings: A Look at Key Metrics
Globe Life (GL) reported $1.52 billion in revenue for the quarter ended December 2025, representing a year-over-year increase of 4.1%. EPS of $3.39 for the same period compares to $3.14 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $1.54 billion, representing a surprise of -0.73%. The company delivered an EPS surprise of -1.31%, with the consensus EPS estimate being $3.44.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
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: $1.24 billion compared to the $1.25 billion average estimate based on five analysts. The reported number represents a change of +5.1% year over year.
- Revenue- Net investment income: $281.4 million versus $289.85 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a -0.4% change.
- Revenue- Life premium: $849.58 million compared to the $856.12 million average estimate based on four analysts. The reported number represents a change of +3.2% year over year.
- Revenue- Health premium: $392.34 million versus $391.6 million estimated by four analysts on average. Compared to the year-ago quarter, this number represents a +9.5% change.
- Life Underwriting Margin- Other: $32.61 million compared to the $31.9 million average estimate based on three analysts. The reported number represents a change of +1.2% year over year.
- Life Underwriting Margin- Liberty National: $35.84 million versus $32.99 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +6.5% change.
- Life Underwriting Margin- Direct to Consumer: $73.71 million versus $71.36 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +3.5% change.
- Life Underwriting Margin- American Income: $208.26 million versus the three-analyst average estimate of $210.61 million. The reported number represents a year-over-year change of +4.7%.
- Revenue- Health premium- Direct to Consumer: $19.14 million versus the three-analyst average estimate of $19.25 million. The reported number represents a year-over-year change of +6.8%.
- Revenue- Health premium- Family Heritage: $121.21 million compared to the $121.29 million average estimate based on three analysts. The reported number represents a change of +9.6% year over year.
- Revenue- Health premium- American Income: $31.14 million versus $31.22 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +1.7% change.
- Revenue- Health premium- Liberty National: $47.65 million versus the three-analyst average estimate of $48.36 million. The reported number represents a year-over-year change of -0.3%.
View all Key Company Metrics for Globe Life here>>>
Shares of Globe Life have returned +2.9% over the past month versus the Zacks S&P 500 composite's +0.9% 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.Free Report: Profiting from the 2nd Wave of AI Explosion
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Globe Life Inc. (GL): Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).
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