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]

With a market cap of $11.3 billion, Globe Life Inc. (GL) provides life insurance, supplemental health insurance, and annuity products primarily to lower middle- and middle-income families. It operates through Life Insurance, Supplemental Health Insurance, and Investment segments, distributing its products via direct-to-consumer channels, exclusive agencies, and independent agents. Shares of the life and health insurance company have outperformed the broader market over the past 52 weeks. GL stock has inc ...

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]