Last 47 quarters of trend data · Financial Services · Insurance - Life
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Globe Life Inc.'s quarterly P/E stands at 10.6x, up 14.7% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 5.2% YoY to 9.1x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.84 | 10.63 | 7.59 | 10.19 | 10.94 | 9.26 | 7.70 | 7.27 | 10.90 | 10.57 | 10.14 | 12.23 | 12.06 |
| — | +14.7% | -1.4% | +40.2% | +0.4% | -12.3% | -24.1% | -40.6% | -9.7% | -25.0% | -22.7% | +13.5% | -21.3% | |
| P/S Ratio | 1.99 | 1.86 | 1.94 | 1.74 | 1.88 | 1.61 | 1.60 | 1.34 | 1.95 | 2.05 | 1.88 | 1.99 | 2.46 |
| — | +15.1% | +20.9% | +29.5% | -3.8% | -21.5% | -14.8% | -32.6% | -20.7% | -8.7% | -0.2% | +6.6% | +27.2% | |
| P/B Ratio | 2.06 | 1.89 | 2.06 | 1.90 | 2.05 | 1.78 | 2.01 | 1.48 | 2.20 | 2.59 | 2.25 | 2.65 | 2.80 |
| — | +6.2% | +2.5% | +28.5% | -6.6% | -31.2% | -10.8% | -44.3% | -21.6% | -14.0% | +0.4% | +46.3% | +91.4% | |
| P/FCF | 9.54 | 8.56 | 14.05 | 8.72 | 6.62 | 7.34 | 7.49 | 5.42 | 8.10 | 7.68 | 9.43 | 8.53 | 5.74 |
| — | +16.7% | +87.5% | +61.0% | -18.2% | -4.4% | -20.6% | -36.5% | +41.1% | -6.1% | +35.3% | +2.4% | -11.2% | |
| EV / EBITDA | 9.07 | 9.09 | 6.89 | 9.22 | 9.75 | 8.64 | 7.32 | 7.01 | 9.71 | 9.40 | 9.12 | 10.79 | 10.65 |
| — | +5.2% | -5.9% | +31.5% | +0.4% | -8.2% | -19.8% | -35.0% | -8.8% | -23.4% | -19.7% | +11.1% | +11.3% | |
| EV / EBIT | 9.87 | 9.09 | 6.89 | 9.22 | 9.75 | 8.64 | 7.32 | 7.01 | 9.71 | 9.40 | 9.12 | 10.79 | 10.65 |
| — | +5.2% | -5.9% | +31.5% | +0.4% | -8.2% | -19.8% | -35.0% | -8.8% | -23.4% | -19.7% | +11.1% | +11.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Globe Life Inc.'s operating margin was 23.4% in Q4 2025, down 8.2 pp QoQ and up 2.1 pp YoY. Gross margin contracted 4.8% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 33.4% | 30.4% | 41.3% | 30.8% | 31.1% | 31.9% | 35.3% | 31.4% | 47.7% | 31.9% | 31.1% | 28.4% | 35.1% |
| — | -4.8% | +17.1% | -2.0% | -34.8% | +0.0% | +13.3% | +10.8% | +36.0% | +12.8% | +16.4% | -5.5% | +14.6% | |
| Operating Margin | 24.4% | 23.4% | 31.5% | 21.2% | 21.4% | 21.3% | 25.9% | 22.4% | 22.2% | 23.8% | 23.0% | 19.9% | 25.1% |
| — | +9.7% | +21.7% | -5.5% | -4.0% | -10.4% | +12.4% | +12.2% | -11.3% | +22.1% | +27.3% | -6.8% | +11.1% | |
| Net Margin | 19.4% | 17.5% | 25.6% | 17.1% | 17.2% | 17.4% | 20.8% | 17.9% | 18.0% | 19.4% | 18.6% | 16.2% | 20.4% |
| — | +0.3% | +23.1% | -4.9% | -4.2% | -10.3% | +12.1% | +10.5% | -12.2% | +21.4% | +26.4% | -6.4% | +12.2% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 20.6% | 4.6% | 7.0% | 4.7% | 4.7% | 5.1% | 6.1% | 5.0% | 5.3% | 6.0% | 6.0% | 5.5% | 5.7% |
| — | -11.1% | +13.7% | -7.4% | -11.1% | -14.9% | +2.8% | -8.5% | -7.0% | +18.5% | +51.8% | +50.0% | +87.7% | |
| ROA | 3.9% | 0.9% | 1.3% | 0.8% | 0.9% | 0.9% | 1.0% | 0.9% | 0.9% | 1.0% | 1.0% | 0.8% | 0.8% |
| — | -0.4% | +22.7% | -6.5% | -3.5% | -14.1% | +7.7% | +13.1% | +6.1% | +21.8% | +29.8% | -3.3% | +2.7% | |
| ROIC | 13.4% | 3.2% | 4.5% | 2.9% | 3.0% | 3.1% | 3.8% | 3.3% | 3.4% | 3.8% | 3.8% | 3.4% | 3.5% |
| — | +4.3% | +15.7% | -10.2% | -12.6% | -18.6% | +2.6% | -2.7% | -2.3% | +20.7% | +45.0% | +30.9% | +54.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Globe Life Inc.'s Debt/EBITDA ratio is 6.9x, up from 5.3x last quarter — elevated, raising questions about debt serviceability. Debt/Equity has declined for 4 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.44 | 0.44 | 0.48 | 0.51 | 0.52 | 0.52 | 0.60 | 0.44 | 0.47 | 0.47 | 0.49 | 0.52 | 0.56 |
| — | -14.9% | -19.8% | +17.8% | +10.1% | +9.5% | +22.5% | -15.4% | -15.8% | -10.3% | +2.8% | +29.6% | +85.6% | |
| Debt / EBITDA | 1.65 | 6.92 | 5.29 | 8.01 | 7.98 | 7.87 | 6.76 | 6.46 | 6.88 | 5.84 | 6.51 | 7.08 | 7.16 |
| — | -12.0% | -21.8% | +24.1% | +16.0% | +34.8% | +3.8% | -8.8% | -4.0% | -20.6% | -18.3% | -0.5% | +8.8% | |
| Current Ratio | 9.66 | 9.66 | 9.66 | 8.96 | 8.95 | 9.48 | 10.53 | — | — | — | — | — | — |
| — | +1.9% | -8.2% | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 9.66 | 9.66 | 9.66 | 8.96 | 8.95 | 9.48 | 10.53 | — | — | — | — | — | — |
| — | +1.9% | -8.2% | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 11.27 | 10.77 | 14.20 | 9.98 | 10.03 | 9.75 | 13.01 | 11.26 | 12.01 | 14.11 | 13.28 | 11.25 | 12.03 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Globe Life Inc.'s current P/E is 10.8x. The average P/E over the last 4 quarters is 9.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Globe Life Inc.'s current operating margin is 24.4%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Globe Life Inc.'s business trajectory between earnings reports.