Globe Life(US:GL) ZACKS·2025-10-22 23:31Core Insights - Globe Life reported $1.52 billion in revenue for Q3 2025, a 4.1% year-over-year increase, with an EPS of $4.81 compared to $3.49 a year ago [1] - The revenue matched the Zacks Consensus Estimate, but the EPS exceeded expectations by 5.95% [1] Revenue Breakdown - Total premium revenue was $1.23 billion, slightly below the average estimate of $1.24 billion, reflecting a 5% year-over-year increase [4] - Net investment income was $286.01 million, marginally below the estimate of $286.47 million, with a 0.4% year-over-year change [4] - Life premium revenue reached $844.48 million, compared to the estimate of $852 million, marking a 3.2% year-over-year increase [4] - Health premium revenue was $386.52 million, exceeding the estimate of $382.7 million, with a 9.2% year-over-year increase [4] Underwriting Margins - Life Underwriting Margin for Other was $36.45 million, above the estimate of $34.24 million, showing a 10.6% year-over-year increase [4] - Life Underwriting Margin for Liberty National was $70.29 million, significantly above the estimate of $49.32 million, reflecting a 57.2% year-over-year increase [4] - Life Underwriting Margin for Direct to Consumer was $113.74 million, exceeding the estimate of $107.06 million, with a 28.9% year-over-year increase [4] - Life Underwriting Margin for American Income was $261.12 million, slightly below the estimate of $261.23 million, representing an 18% year-over-year increase [4] Other Income - Other income reported was $0.96 million, significantly above the estimate of $0.07 million, indicating a 2173.8% year-over-year increase [4] Stock Performance - Globe Life shares have returned -7.2% over the past month, while the Zacks S&P 500 composite increased by 1.1% [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]