Insurance - Life
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4 / 10Stock Comparison
GL vs CNO vs CRBG vs PFG
Revenue, margins, valuation, and 5-year total return — side by side.
Insurance - Life
Asset Management
Insurance - Diversified
GL vs CNO vs CRBG vs PFG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||||
|---|---|---|---|---|
| Industry | Insurance - Life | Insurance - Life | Asset Management | Insurance - Diversified |
| Market Cap | $11.96B | $4.30B | $12.54B | $21.67B |
| Revenue (TTM) | $6.00B | $4.49B | $2.89B | $15.63B |
| Net Income (TTM) | $1.16B | $222M | $245M | $1.19B |
| Gross Margin | 33.4% | 40.2% | 80.9% | 45.2% |
| Operating Margin | 24.4% | 6.3% | -18.7% | 9.1% |
| Forward P/E | 9.8x | 10.5x | 5.6x | 10.7x |
| Total Debt | $2.63B | $4.05B | $10.91B | $4.20B |
| Cash & Equiv. | $145M | $956M | $447M | $4.43B |
GL vs CNO vs CRBG vs PFG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Sep 22 | May 26 | Return |
|---|---|---|---|
| Globe Life Inc. (GL) | 100 | 152.9 | +52.9% |
| CNO Financial Group… (CNO) | 100 | 255.4 | +155.4% |
| Corebridge Financia… (CRBG) | 100 | 139.4 | +39.4% |
| Principal Financial… (PFG) | 100 | 138.6 | +38.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: GL vs CNO vs CRBG vs PFG
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%
- Lower volatility, beta 0.48, Low D/E 43.9%, current ratio 9.66x
- PEG 0.63 vs PFG's 13.78
CNO lags the leaders in this set but could rank higher in a more targeted comparison.
CRBG is the #2 pick in this set and the best alternative if growth and value is your priority.
- 7.9% NII/revenue growth vs PFG's -3.1%
- Lower P/E (5.6x vs 10.5x)
PFG is the clearest fit if your priority is long-term compounding.
- 195.8% 10Y total return vs CNO's 171.6%
- +33.0% vs CRBG's -9.4%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 7.9% NII/revenue growth vs PFG's -3.1% | |
| Value | Lower P/E (5.6x vs 10.5x) | |
| Quality / Margins | 19.4% margin vs CRBG's -12.7% | |
| Stability / Safety | Beta 0.48 vs CRBG's 1.47, lower leverage | |
| Dividends | 0.7% yield, 23-year raise streak, vs CRBG's 3.5% | |
| Momentum (1Y) | +33.0% vs CRBG's -9.4% | |
| Efficiency (ROA) | 3.8% ROA vs CRBG's 0.1%, ROIC 13.4% vs -1.6% |
GL vs CNO vs CRBG vs PFG — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
GL vs CNO vs CRBG vs PFG — Financial Metrics
Side-by-side numbers across 4 stocks — who leads on profitability, valuation, growth, and risk.
Who Leads Where
CRBG leads in 2 of 6 categories
GL leads 1 • CNO leads 0 • PFG leads 0 • 3 tied
Explore the data ↓Income & Cash Flow (Last 12 Months)
CRBG leads this category, winning 3 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
PFG is the larger business by revenue, generating $15.6B annually — 5.4x CRBG's $2.9B. GL is the more profitable business, keeping 19.4% of every revenue dollar as net income compared to CRBG's -12.7%. On growth, CNO holds the edge at +4.2% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | ||||
|---|---|---|---|---|
| RevenueTrailing 12 months | $6.0B | $4.5B | $2.9B | $15.6B |
| EBITDAEarnings before interest/tax | $1.6B | $573M | $1.0B | $1.4B |
| Net IncomeAfter-tax profit | $1.2B | $222M | $245M | $1.2B |
| Free Cash FlowCash after capex | $1.3B | $676M | $1.6B | $4.4B |
| Gross MarginGross profit ÷ Revenue | +33.4% | +40.2% | +80.9% | +45.2% |
| Operating MarginEBIT ÷ Revenue | +24.4% | +6.3% | -18.7% | +9.1% |
| Net MarginNet income ÷ Revenue | +19.4% | +4.9% | -12.7% | +7.6% |
| FCF MarginFCF ÷ Revenue | +20.9% | +15.1% | +70.0% | +28.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | +3.9% | +4.2% | — | -3.7% |
| EPS Growth (YoY)Latest quarter vs prior year | +9.3% | -39.2% | +90.8% | -40.8% |
Valuation Metrics
CRBG leads this category, winning 3 of 7 comparable metrics.
Valuation Metrics
At 10.8x trailing earnings, GL trades at a 44% valuation discount to CNO's 19.5x P/E. Adjusting for growth (PEG ratio), GL offers better value at 0.70x vs PFG's 13.78x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | ||||
|---|---|---|---|---|
| Market CapShares × price | $12.0B | $4.3B | $12.5B | $21.7B |
| Enterprise ValueMkt cap + debt − cash | $14.4B | $7.4B | $23.0B | $21.4B |
| Trailing P/EPrice ÷ TTM EPS | 10.84x | 19.53x | -40.37x | 19.05x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.81x | 10.45x | 5.59x | 10.75x |
| PEG RatioP/E ÷ EPS growth rate | 0.70x | 8.97x | — | 13.78x |
| EV / EBITDAEnterprise value multiple | 9.07x | 14.11x | 1533.08x | 12.86x |
| Price / SalesMarket cap ÷ Revenue | 1.99x | 0.96x | 4.34x | 1.39x |
| Price / BookPrice ÷ Book value/share | 2.06x | 1.70x | 1.06x | 1.82x |
| Price / FCFMarket cap ÷ FCF | 9.54x | 6.37x | 6.20x | 4.88x |
Profitability & Efficiency
GL leads this category, winning 6 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 $2 for CRBG. PFG carries lower financial leverage with a 0.34x debt-to-equity ratio, signaling a more conservative balance sheet compared to CNO's 1.54x. On the Piotroski fundamental quality scale (0–9), GL scores 8/9 vs PFG's 6/9, reflecting strong financial health.
| Metric | ||||
|---|---|---|---|---|
| ROE (TTM)Return on equity | +20.6% | +8.6% | +1.8% | +9.9% |
| ROA (TTM)Return on assets | +3.8% | +0.6% | +0.1% | +0.4% |
| ROICReturn on invested capital | +13.4% | +4.0% | -1.6% | +9.0% |
| ROCEReturn on capital employed | +5.2% | +1.5% | -0.1% | +0.4% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 6 | 6 | 6 |
| Debt / EquityFinancial leverage | 0.44x | 1.54x | 0.78x | 0.34x |
| Net DebtTotal debt minus cash | $2.5B | $3.1B | $10.5B | -$227M |
| Cash & Equiv.Liquid assets | $145M | $956M | $447M | $4.4B |
| Total DebtShort + long-term debt | $2.6B | $4.1B | $10.9B | $4.2B |
| Interest CoverageEBIT ÷ Interest expense | 11.27x | 2.23x | 1.79x | 644.64x |
Total Returns (Dividends Reinvested)
Evenly matched — CNO and PFG each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CNO five years ago would be worth $18,192 today (with dividends reinvested), compared to $14,826 for GL. Over the past 12 months, PFG leads with a +33.0% total return vs CRBG's -9.4%. The 3-year compound annual growth rate (CAGR) favors CNO at 30.2% vs GL's 12.8% — a key indicator of consistent wealth creation.
| Metric | ||||
|---|---|---|---|---|
| YTD ReturnYear-to-date | +10.6% | +9.2% | -8.8% | +12.8% |
| 1-Year ReturnPast 12 months | +27.0% | +23.5% | -9.4% | +33.0% |
| 3-Year ReturnCumulative with dividends | +43.6% | +120.6% | +91.6% | +52.3% |
| 5-Year ReturnCumulative with dividends | +48.3% | +81.9% | +57.9% | +70.7% |
| 10-Year ReturnCumulative with dividends | +175.7% | +171.6% | +57.9% | +195.8% |
| CAGR (3Y)Annualised 3-year return | +12.8% | +30.2% | +24.2% | +15.0% |
Risk & Volatility
Evenly matched — GL and CNO each lead in 1 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 CRBG's 1.47 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CNO currently trades 99.1% from its 52-week high vs CRBG's 75.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||||
|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.48x | 0.80x | 1.47x | 1.00x |
| 52-Week HighHighest price in past year | $156.69 | $46.33 | $36.57 | $103.00 |
| 52-Week LowLowest price in past year | $116.73 | $35.24 | $22.19 | $75.00 |
| % of 52W HighCurrent price vs 52-week peak | +97.3% | +99.1% | +75.1% | +97.1% |
| RSI (14)Momentum oscillator 0–100 | 67.2 | 73.0 | 63.5 | 69.4 |
| Avg Volume (50D)Average daily shares traded | 450K | 561K | 5.5M | 1.5M |
Analyst Outlook
Evenly matched — GL and CRBG each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: GL as "Hold", CNO as "Hold", CRBG as "Buy", PFG as "Hold". Consensus price targets imply 23.2% upside for CRBG (target: $34) vs -5.5% for PFG (target: $95). For income investors, CRBG offers the higher dividend yield at 3.45% vs GL's 0.70%.
| Metric | ||||
|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold | Buy | Hold |
| Price TargetConsensus 12-month target | $171.25 | $46.67 | $33.83 | $94.50 |
| # AnalystsCovering analysts | 28 | 17 | 18 | 25 |
| Dividend YieldAnnual dividend ÷ price | +0.7% | +1.5% | +3.5% | +3.0% |
| Dividend StreakConsecutive years of raises | 23 | 13 | 1 | 17 |
| Dividend / ShareAnnual DPS | $1.06 | $0.68 | $0.95 | $3.03 |
| Buyback YieldShare repurchases ÷ mkt cap | +7.4% | +7.7% | +16.9% | +4.2% |
CRBG leads in 2 of 6 categories (Income & Cash Flow, Valuation Metrics). GL leads in 1 (Profitability & Efficiency). 3 tied.
GL vs CNO vs CRBG vs PFG: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is GL or CNO or CRBG or PFG a better buy right now?
For growth investors, Corebridge Financial, Inc.
(CRBG) is the stronger pick with 7. 9% revenue growth year-over-year, versus -3. 1% for Principal Financial Group, Inc. (PFG). Globe Life Inc. (GL) offers the better valuation at 10. 8x trailing P/E (9. 8x forward), making it the more compelling value choice. Analysts rate Corebridge Financial, Inc. (CRBG) a "Buy" — based on 18 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 has the better valuation — GL or CNO or CRBG or PFG?
On trailing P/E, Globe Life Inc.
(GL) is the cheapest at 10. 8x versus CNO Financial Group, Inc. at 19. 5x. On forward P/E, Corebridge Financial, Inc. is actually cheaper at 5. 6x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Globe Life Inc. wins at 0. 63x versus Principal Financial Group, Inc. 's 13. 78x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — GL or CNO or CRBG or PFG?
Over the past 5 years, CNO Financial Group, Inc.
(CNO) delivered a total return of +81. 9%, compared to +48. 3% for Globe Life Inc. (GL). Over 10 years, the gap is even starker: PFG returned +195. 8% versus CRBG's +57. 9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — GL or CNO or CRBG or PFG?
By beta (market sensitivity over 5 years), Globe Life Inc.
(GL) is the lower-risk stock at 0. 48β versus Corebridge Financial, Inc. 's 1. 47β — meaning CRBG is approximately 206% more volatile than GL relative to the S&P 500. On balance sheet safety, Principal Financial Group, Inc. (PFG) carries a lower debt/equity ratio of 34% versus 154% for CNO Financial Group, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — GL or CNO or CRBG or PFG?
By revenue growth (latest reported year), Corebridge Financial, Inc.
(CRBG) is pulling ahead at 7. 9% versus -3. 1% for Principal Financial Group, Inc. (PFG). On earnings-per-share growth, the picture is similar: Globe Life Inc. grew EPS 17. 8% year-over-year, compared to -118. 3% for Corebridge Financial, Inc.. Over a 3-year CAGR, CNO leads at 7. 9% 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.
06Which has better profit margins — GL or CNO or CRBG or PFG?
Globe Life Inc.
(GL) is the more profitable company, earning 19. 4% net margin versus -12. 7% for Corebridge Financial, Inc. — 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 -18. 7% for CRBG. At the gross margin level — before operating expenses — CRBG leads at 80. 9%, 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.
07Is GL or CNO or CRBG or PFG more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, Globe Life Inc. (GL) is the more undervalued stock at a PEG of 0. 63x versus Principal Financial Group, Inc. 's 13. 78x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Corebridge Financial, Inc. (CRBG) trades at 5. 6x forward P/E versus 10. 7x for Principal Financial Group, Inc. — 5. 2x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for CRBG: 23. 2% to $33. 83.
08Which pays a better dividend — GL or CNO or CRBG or PFG?
All stocks in this comparison pay dividends.
Corebridge Financial, Inc. (CRBG) offers the highest yield at 3. 5%, versus 0. 7% for Globe Life Inc. (GL).
09Is GL or CNO or CRBG or PFG 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, +175. 7% 10Y return). Both have compounded well over 10 years (GL: +175. 7%, CRBG: +57. 9%), 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.
10What are the main differences between GL and CNO and CRBG and PFG?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: GL is a mid-cap deep-value stock; CNO is a small-cap quality compounder stock; CRBG is a mid-cap income-oriented stock; PFG is a mid-cap income-oriented stock. 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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