Market Overview - The broader equity markets experienced a recovery after a significant sell-off, particularly driven by technology stocks like NVIDIA and Broadcom [1] - Bitcoin rebounded after dropping to $60,062.00, indicating a shift in investor sentiment towards risk-off strategies [1][2] Financial Sector Insights - The finance sector faces latent threats from AI and disappointing retail sales data, contributing to market volatility [2] - Investors are adopting a "wait-and-see" approach, focusing on "cash cow" stocks that offer higher returns [2] Key Financial Metrics - Return on Equity (ROE) is highlighted as a crucial metric for assessing a company's profitability and financial health [3][4] - A high ROE indicates effective reinvestment of cash at high rates of return, distinguishing profit-generating companies from less efficient ones [3][4] Stock Screening Criteria - Stocks are screened based on parameters such as Cash Flow greater than $1 billion and ROE exceeding industry averages [5] - Additional criteria include Price/Cash Flow lower than industry averages and Return on Assets (ROA) greater than industry benchmarks [6] Selected Stocks - Alcoa Corporation (AA): Engaged in mining and electricity generation, with a trailing four-quarter earnings surprise of 44.5% and a Zacks Rank 1 [7][8] - Globe Life Inc. (GL): An insurance holding company with a Zacks Rank 2 and a focus on life and supplemental health insurance [9][10] - Banco Bilbao Vizcaya Argentaria, S.A. (BBVA): Provides banking and asset management services, with a long-term earnings growth expectation of 12% and a Zacks Rank 1 [10][11] - The TJX Companies, Inc. (TJX): A leading off-price retailer with a long-term earnings growth expectation of 10.2% and a Zacks Rank 2 [12][13] - TE Connectivity plc (TEL): A global technology company focused on connectivity solutions, with a long-term earnings growth expectation of 12% and a Zacks Rank 1 [14][15]

Investors might want to bet on Globe Life (GL) , as it has been recently upgraded to a Zacks Rank #2 (Buy). This upgrade is essentially a reflection of an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.A company's changing earnings picture is at the core of the Zacks rating. The system tracks the Zacks Consensus Estimate -- the consensus measure of EPS estimates from the sell-side analysts covering the stock -- for the current and following years.The power of a ...

Core Viewpoint - Globe Life Inc. is recognized as one of the 10 Most Profitable Undervalued Stocks to Buy, with a price target raised to $181 by JPMorgan analyst Jimmy Bhullar, reflecting a positive outlook on the company's earnings potential [1][6]. Financial Performance - For the fourth quarter, Globe Life Inc. reported revenue of $1.52 billion, slightly below the consensus estimate of $1.53 billion, indicating a minor shortfall in top-line performance [2]. - The company projects earnings for fiscal year 2026 to be between $14.95 and $15.65 per share, surpassing the consensus estimate of $15.03, suggesting management's confidence in continued earnings growth [2]. Business Overview - Globe Life Inc. specializes in providing life and supplemental health insurance products primarily targeting lower-middle- and middle-income households in the United States [3]. - The company operates through various subsidiaries, offering a diverse range of products including whole and term life policies, Medicare supplements, and limited-benefit health products such as accident, cancer, and critical illness coverage [3].

Globe Life (NYSE:GL) Q4 2025 Earnings call February 05, 2026 11:00 AM ET Company ParticipantsFrank Svoboda - Co-CEOJeff Schmitt - Vice President & Senior Private BankerMatt Darden - Co-CEOStephen Mota - Head of Investor RelationsTom Kalmbach - CFOConference Call ParticipantsAndrew Kligerman - Managing Director and Senior Research AnalystJimmy Bhullar - Managing Director and Senior Equity Research AnalystJohn Barnidge - Managing Director and Senior Research AnalystMark Hughes - Managing Director and Equity R ...

Globe Life (NYSE:GL) Q4 2025 Earnings call February 05, 2026 11:00 AM ET Company ParticipantsFrank Svoboda - Co-CEOJeff Schmitt - Vice President & Senior Private BankerMatt Darden - Co-CEOStephen Mota - Head of Investor RelationsTom Kalmbach - CFOConference Call ParticipantsAndrew Kligerman - Managing Director and Senior Research AnalystJimmy Bhullar - Managing Director and Senior Equity Research AnalystJohn Barnidge - Managing Director and Senior Research AnalystMark Hughes - Managing Director and Equity R ...

Globe Life (NYSE:GL) Q4 2025 Earnings call February 05, 2026 11:00 AM ET Speaker7Hello, and welcome to Globe Life Inc.'s fourth quarter earnings release call. My name is Jim. I will be your coordinator for today's event. Please note this call is being recorded, and all phone lines have been placed in a listen-only mode to prevent any potential background noise. Also, if you would like to ask a question during today's question and answer session, simply press Star and the digit One on your telephone keypad. ...

Globe Life (GL) came out with quarterly earnings of $3.39 per share, missing the Zacks Consensus Estimate of $3.44 per share. This compares to earnings of $3.14 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -1.31%. A quarter ago, it was expected that this life and health insurance company would post earnings of $4.54 per share when it actually produced earnings of $4.81, delivering a surprise of +5.95%.Over the last four qua ...

Financial Performance - Net income for Q4 2025 was $3.29 per diluted common share, an increase of 9.3% from $3.01 in Q4 2024[2] - Net operating income for Q4 2025 was $3.39 per diluted common share, up 8% from $3.14 in Q4 2024[2] - For the full year 2025, net income was $14.07 per diluted common share, a rise of 17.8% from $11.94 in 2024[3] - Full year net operating income increased 17% to $14.52 per diluted common share from $12.37 in 2024[3] - Net income for Q4 2025 was $266,083,000, representing a 4.5% increase from $255,196,000 in Q4 2024[61] - Basic net income per common share for Q4 2025 was $3.35, up from $3.04 in Q4 2024, reflecting a 10.2% increase[61] - Total revenue for Q4 2025 was $1,519,621,000, compared to $1,466,277,000 in Q4 2024, marking an increase of 3.6%[61] Insurance Sales and Premiums - Life net sales at the American Income Life Division increased by 10% year-over-year, while life premiums rose by 6%[6] - Health net sales at the Family Heritage Division surged 15%, with premiums increasing by 10% compared to the previous year[6] - Total insurance premium revenue for Q4 2025 was $1.24 billion, a 5% increase from $1.18 billion in Q4 2024[20] - Total life premium for Q4 2025 reached $849.58 million, a 3% increase from $822.96 million in Q4 2024[28] - Life net sales for Q4 2025 were $161.15 million, reflecting an 11% increase compared to $144.93 million in Q4 2024[28] - Health premium for Q4 2025 was $392.34 million, a 9% increase from $358.31 million in Q4 2024[31] - Total health net sales for Q4 2025 were $125.79 million, a 71% increase from $73.64 million in Q4 2024[31] - Total premium revenue for the year ended December 31, 2025, was $4,890,220,000, a 4.8% increase compared to $4,666,272,000 in 2024[61] Investment and Expenses - Excess investment income for Q4 2025 was $30.81 million, down 20% from $38.33 million in Q4 2024[37] - The company reported a net investment income of $281,402,000 for Q4 2025, slightly down from $282,453,000 in Q4 2024[61] - The amortization of deferred acquisition costs for Q4 2025 was $116,770,000, compared to $104,298,000 in Q4 2024, indicating a 12% increase[61] - The ratio of administrative expenses to premium was 7.4%, down from 7.7% in the year-ago quarter[23] Shareholder Actions - The company repurchased 1.3 million shares at a total cost of $170 million during Q4 2025, with an average share price of $134.44[51] Future Projections - Globe Life projects net operating income for 2026 to be between $14.95 and $15.65 per diluted common share, an increase from previous guidance[53] Agent Performance - The average producing agent count at the Liberty National Division grew by 6% year-over-year[6] - The average producing agent count for American Income decreased by 2% to 11,699 in Q4 2025 compared to 11,926 in Q4 2024[33] Investment Portfolio - The investment portfolio at book value as of December 31, 2025, totaled $20.47 billion, with fixed maturities making up 86% of the total[41] - The company’s average invested assets increased by 1% while net investment income remained relatively flat[38] Realized Gains and Losses - The company experienced realized losses of $4,312,000 in Q4 2025, contrasting with realized gains of $2,392,000 in Q4 2024[61]

Core Insights - Globe Life Inc. reported a net income of $3.29 per diluted common share for Q4 2025, an increase from $3.01 in the same quarter of the previous year, and net operating income rose to $3.39 per diluted common share from $3.14 [1][2][7] - For the full year 2025, net income was $14.07 per diluted common share, up from $11.94 in 2024, while net operating income increased to $14.52 from $12.37 [2][10] - The company achieved an 8% increase in both net income and net operating income for the year [7][12] Financial Performance - Q4 2025 net operating income was $273.735 million, a 3% increase from $265.809 million in Q4 2024 [8] - Total premium revenue for Q4 2025 was $1.241 billion, up 5% from $1.181 billion in Q4 2024 [15][44] - The insurance underwriting income for Q4 2025 was $359.738 million, a 6% increase from $337.984 million in Q4 2024 [17] Insurance Operations - Life insurance accounted for 78% of the company's insurance underwriting margin for Q4 2025, while health insurance accounted for 22% [13] - Life net sales increased by 11% in Q4 2025, and health net sales surged by 71% compared to the previous year [21] - The average producing agent count increased by 6% year-over-year, indicating growth in distribution capabilities [23] Investment Performance - Excess investment income for Q4 2025 was $30.812 million, down 20% from $38.325 million in Q4 2024 [27] - The investment portfolio as of December 31, 2025, totaled $20.470 billion, with fixed maturities making up 86% of the total [29][30] Share Repurchase and Capital Management - The company repurchased 1.3 million shares of common stock during Q4 2025 at a total cost of $170 million, with an average share price of $134.44 [36] - For the full year, Globe Life repurchased 5.4 million shares at a total cost of $685 million [36] Earnings Guidance - Globe Life projects net operating income for the year ending December 31, 2026, to be between $14.95 and $15.65 per diluted common share, indicating an increase from previous guidance [38]

Financial Results Announcement - Globe Life Inc. will announce its Fourth Quarter 2025 financial results after the market closes on February 4, 2026 [1] - A copy of the earnings press release and other financial information will be available on the company's website [1] Conference Call Details - A live conference call will take place on February 5, 2026, at 11:00am Eastern [2] - The conference call can be accessed via phone at 1-646-357-8766 with the passcode "Globe Life Inc." or online [2] - A replay of the conference call will also be available through the same online link [2] Company Overview - Globe Life Inc. is a holding company that specializes in life and supplemental health insurance targeting the middle-income market [3] - The company distributes its products through various channels, including direct-to-consumer and both exclusive and independent agencies [3]