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GL vs FGL
Revenue, margins, valuation, and 5-year total return — side by side.
Engineering & Construction
GL vs FGL — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Insurance - Life | Engineering & Construction |
| Market Cap | $12.09B | $35M |
| Revenue (TTM) | $6.00B | $90M |
| Net Income (TTM) | $1.16B | $-5M |
| Gross Margin | 33.4% | 6.9% |
| Operating Margin | 24.4% | -6.2% |
| Forward P/E | 9.9x | — |
| Total Debt | $2.63B | $36M |
| Cash & Equiv. | $145M | $14M |
GL vs FGL — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Oct 24 | May 26 | Return |
|---|---|---|---|
| Globe Life Inc. (GL) | 100 | 146.0 | +46.0% |
| Founder Group Limit… (FGL) | 100 | 0.5 | -99.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: GL vs FGL
Each card shows where this stock fits in a portfolio — not just who wins on paper.
GL carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 23 yrs, beta 0.48, yield 0.7%
- Rev growth 3.8%, EPS growth 17.8%, 3Y rev CAGR 4.7%
- 179.8% 10Y total return vs FGL's -99.2%
In this particular matchup, FGL is outpaced on most metrics by others in the set.
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 3.8% revenue growth vs FGL's -39.0% | |
| Quality / Margins | 19.4% margin vs FGL's -5.7% | |
| Stability / Safety | Beta 0.48 vs FGL's 1.89, lower leverage | |
| Dividends | 0.7% yield; 23-year raise streak; the other pay no meaningful dividend | |
| Momentum (1Y) | +27.8% vs FGL's -98.4% | |
| Efficiency (ROA) | 3.8% ROA vs FGL's -5.2%, ROIC 13.4% vs -11.5% |
GL vs FGL — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
GL vs FGL — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
GL leads this category, winning 4 of 4 comparable metrics.
Income & Cash Flow (Last 12 Months)
GL is the larger business by revenue, generating $6.0B annually — 66.4x FGL's $90M. GL is the more profitable business, keeping 19.4% of every revenue dollar as net income compared to FGL's -5.7%.
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $6.0B | $90M |
| EBITDAEarnings before interest/tax | $1.6B | — |
| Net IncomeAfter-tax profit | $1.2B | — |
| Free Cash FlowCash after capex | $1.3B | — |
| Gross MarginGross profit ÷ Revenue | +33.4% | +6.9% |
| Operating MarginEBIT ÷ Revenue | +24.4% | -6.2% |
| Net MarginNet income ÷ Revenue | +19.4% | -5.7% |
| FCF MarginFCF ÷ Revenue | +20.9% | -8.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | +3.9% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +9.3% | — |
Valuation Metrics
FGL leads this category, winning 2 of 3 comparable metrics.
Valuation Metrics
| Metric | ||
|---|---|---|
| Market CapShares × price | $12.1B | $35M |
| Enterprise ValueMkt cap + debt − cash | $14.6B | $40M |
| Trailing P/EPrice ÷ TTM EPS | 10.96x | -122.73x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.91x | — |
| PEG RatioP/E ÷ EPS growth rate | 0.70x | — |
| EV / EBITDAEnterprise value multiple | 9.15x | — |
| Price / SalesMarket cap ÷ Revenue | 2.02x | 1.53x |
| Price / BookPrice ÷ Book value/share | 2.09x | 8.06x |
| Price / FCFMarket cap ÷ FCF | 9.64x | — |
Profitability & Efficiency
GL leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
GL delivers a 20.6% return on equity — every $100 of shareholder capital generates $21 in annual profit, vs $-32 for FGL. GL carries lower financial leverage with a 0.44x debt-to-equity ratio, signaling a more conservative balance sheet compared to FGL's 2.09x. On the Piotroski fundamental quality scale (0–9), GL scores 8/9 vs FGL's 1/9, reflecting strong financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +20.6% | -32.3% |
| ROA (TTM)Return on assets | +3.8% | -5.2% |
| ROICReturn on invested capital | +13.4% | -11.5% |
| ROCEReturn on capital employed | +5.2% | -31.7% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 1 |
| Debt / EquityFinancial leverage | 0.44x | 2.09x |
| Net DebtTotal debt minus cash | $2.5B | $22M |
| Cash & Equiv.Liquid assets | $145M | $14M |
| Total DebtShort + long-term debt | $2.6B | $36M |
| Interest CoverageEBIT ÷ Interest expense | 11.27x | -2.71x |
Total Returns (Dividends Reinvested)
GL leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in GL five years ago would be worth $15,094 today (with dividends reinvested), compared to $65 for FGL. Over the past 12 months, GL leads with a +27.8% total return vs FGL's -98.4%. The 3-year compound annual growth rate (CAGR) favors GL at 13.2% vs FGL's -81.3% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | +11.8% | -87.4% |
| 1-Year ReturnPast 12 months | +27.8% | -98.4% |
| 3-Year ReturnCumulative with dividends | +45.2% | -99.3% |
| 5-Year ReturnCumulative with dividends | +50.9% | -99.3% |
| 10-Year ReturnCumulative with dividends | +179.8% | -99.2% |
| CAGR (3Y)Annualised 3-year return | +13.2% | -81.3% |
Risk & Volatility
GL leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
GL is the less volatile stock with a 0.48 beta — it tends to amplify market swings less than FGL's 1.89 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. GL currently trades 99.4% from its 52-week high vs FGL's 1.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.48x | 1.89x |
| 52-Week HighHighest price in past year | $155.08 | $143.00 |
| 52-Week LowLowest price in past year | $116.73 | $0.14 |
| % of 52W HighCurrent price vs 52-week peak | +99.4% | +1.4% |
| RSI (14)Momentum oscillator 0–100 | 63.2 | 44.4 |
| Avg Volume (50D)Average daily shares traded | 452K | 176K |
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
GL is the only dividend payer here at 0.69% yield — a key consideration for income-focused portfolios.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | — |
| Price TargetConsensus 12-month target | $171.25 | — |
| # AnalystsCovering analysts | 28 | — |
| Dividend YieldAnnual dividend ÷ price | +0.7% | — |
| Dividend StreakConsecutive years of raises | 23 | — |
| Dividend / ShareAnnual DPS | $1.06 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +7.3% | 0.0% |
GL leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). FGL leads in 1 (Valuation Metrics).
GL vs FGL: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is GL or FGL a better buy right now?
For growth investors, Globe Life Inc.
(GL) is the stronger pick with 3. 8% revenue growth year-over-year, versus -39. 0% for Founder Group Limited Ordinary Shares (FGL). Globe Life Inc. (GL) offers the better valuation at 11. 0x trailing P/E (9. 9x forward), making it the more compelling value choice. Analysts rate Globe Life Inc. (GL) a "Hold" — based on 28 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — GL or FGL?
Over the past 5 years, Globe Life Inc.
(GL) delivered a total return of +50. 9%, compared to -99. 3% for Founder Group Limited Ordinary Shares (FGL). Over 10 years, the gap is even starker: GL returned +179. 8% versus FGL's -99. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — GL or FGL?
By beta (market sensitivity over 5 years), Globe Life Inc.
(GL) is the lower-risk stock at 0. 48β versus Founder Group Limited Ordinary Shares's 1. 89β — meaning FGL is approximately 293% more volatile than GL relative to the S&P 500. On balance sheet safety, Globe Life Inc. (GL) carries a lower debt/equity ratio of 44% versus 2% for Founder Group Limited Ordinary Shares — giving it more financial flexibility in a downturn.
04Which is growing faster — GL or FGL?
By revenue growth (latest reported year), Globe Life Inc.
(GL) is pulling ahead at 3. 8% versus -39. 0% for Founder Group Limited Ordinary Shares (FGL). On earnings-per-share growth, the picture is similar: Globe Life Inc. grew EPS 17. 8% year-over-year, compared to -114. 5% for Founder Group Limited Ordinary Shares. Over a 3-year CAGR, FGL leads at 53. 1% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
05Which has better profit margins — GL or FGL?
Globe Life Inc.
(GL) is the more profitable company, earning 19. 4% net margin versus -5. 7% for Founder Group Limited Ordinary Shares — meaning it keeps 19. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: GL leads at 24. 4% versus -6. 2% for FGL. At the gross margin level — before operating expenses — GL leads at 33. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Which pays a better dividend — GL or FGL?
In this comparison, GL (0.
7% yield) pays a dividend. FGL does not pay a meaningful dividend and should not be held primarily for income.
07Is GL or FGL better for a retirement portfolio?
For long-horizon retirement investors, Globe Life Inc.
(GL) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 48), 0. 7% yield, +179. 8% 10Y return). Founder Group Limited Ordinary Shares (FGL) carries a higher beta of 1. 89 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (GL: +179. 8%, FGL: -99. 2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
08What are the main differences between GL and FGL?
These companies operate in different sectors (GL (Financial Services) and FGL (Industrials)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: GL is a mid-cap deep-value stock; FGL is a small-cap quality compounder stock. GL pays a dividend while FGL does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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