The earnings call highlighted several positive developments, including significant increases in net operating income, agent count growth, and strong share repurchase activity. However, there were notable challenges such as declines in net investment income, health underwriting margins, and sales in some segments. Despite these challenges, the company remains optimistic about future growth, driven by favorable mortality trends and strategic investments.

Company Guidance -

Q3 2025

During the Globe Life Inc. Second Quarter Earnings Release Call, several key metrics were discussed. Net income for the quarter was $253 million, or $3.05 per share, compared to $258 million, or $2.83 per share, a year ago. Net operating income was $271 million, or $3.27 per share, showing a 10% increase over the $2.97 per share from the previous year. The return on equity (ROE) was 18.8% on a GAAP basis, and 14.4% excluding accumulated other comprehensive income (AOCI). Book value per share excluding AOCI was $90.26 by the end of June, marking a 10% increase from the prior year. Life insurance premium revenue grew by 3% to $840 million, while the underwriting margin increased by 6% to $340 million. Health insurance premium revenue rose by 8% to $378 million, but the underwriting margin decreased by 2% to $98 million. Administrative expenses were $86 million, representing a 5% increase over the prior year. The company anticipates a 4% increase in administrative expenses for the year, accounting for about 7.3% of premium. The guidance for the full year 2025 estimates net operating earnings per diluted share to be between $14.25 and $14.65, reflecting a 17% growth at the midpoint.

Increased Net Operating Income

Net operating income for the quarter was $271 million or $3.27 per share, an increase of 10% over the $2.97 per share from a year ago.

Life Insurance Premium Revenue Growth

Life Insurance operations saw premium revenue increase by 3% from the year-ago quarter to $840 million.

Agent Count Growth

Exclusive agencies increased average agent count from the first quarter to the second quarter, for a combined sequential growth rate of 6%, resulting in an average total agent count of 17,621 for the second quarter.

Investment Yields

Invested $263 million in investment-grade fixed maturities with an average yield of 6.44% and invested $68 million in commercial mortgage loans with an average expected cash return of approximately 9.7%.

Share Repurchase Program

Repurchased approximately 1.9 million shares of Globe Life common stock for a total cost of approximately $226 million at an average share price of $121.13.

Favorable Mortality Trends

Continued favorable mortality trends leading to remeasurement gains and a positive impact on earnings guidance.

Globe Life (GL) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

GL Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	4.47 / -	3.49	―	―	―
Jul 23, 2025	2025 (Q2)	3.25 / 3.27	2.97	10.10% (+0.30)	―
Apr 30, 2025	2025 (Q1)	3.23 / 3.07	2.78	10.43% (+0.29)	―
Feb 05, 2025	2024 (Q4)	3.12 / 3.14	2.8	12.14% (+0.34)	―
Oct 23, 2024	2024 (Q3)	3.06 / 3.49	2.71	28.78% (+0.78)	―
Jul 24, 2024	2024 (Q2)	2.92 / 2.97	2.61	13.79% (+0.36)	―
Apr 22, 2024	2024 (Q1)	2.79 / 2.78	2.53	9.88% (+0.25)	―
Feb 07, 2024	2023 (Q4)	2.73 / 2.80	2.24	25.00% (+0.56)	―
Oct 25, 2023	2023 (Q3)	2.65 / 2.71	2.15	26.05% (+0.56)	―
Jul 26, 2023	2023 (Q2)	2.58 / 2.61	2.07	26.09% (+0.54)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

GL Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 23, 2025	$124.81	$131.52	+5.38%
Apr 30, 2025	$123.06	$117.46	-4.55%
Feb 05, 2025	$122.54	$119.46	-2.51%
Oct 23, 2024	$110.15	$108.69	-1.33%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Globe Life Inc. (GL) report earnings?

Globe Life Inc. (GL) is schdueled to report earning on Oct 22, 2025, After Close (Confirmed).

What is Globe Life Inc. (GL) earnings time?

Globe Life Inc. (GL) earnings time is at Oct 22, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is GL EPS forecast?

GL EPS forecast for the fiscal quarter 2025 (Q3) is 4.47.

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