Back to top

Image: Bigstock

Globe Life (GL) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates

Read MoreHide Full Article

For the quarter ended September 2026, Globe Life (GL - Free Report) reported revenue of $1.61 billion, up 5.9% over the same period last year. EPS came in at $4.84, compared to $4.81 in the year-ago quarter.

The reported revenue represents a surprise of -0.03% over the Zacks Consensus Estimate of $1.61 billion. With the consensus EPS estimate being $4.87, the EPS surprise was -0.62%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Globe Life performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Revenue- Total premium: $1.31 billion versus $1.31 billion estimated by four analysts on average. Compared to the year-ago quarter, this number represents a +6.5% change.
  • Revenue- Net investment income: $295.9 million compared to the $297.08 million average estimate based on four analysts. The reported number represents a change of +3.5% year over year.
  • Life Underwriting Margin- Liberty National: $51 million versus the three-analyst average estimate of $54.75 million. The reported number represents a year-over-year change of -27.4%.
  • Life Underwriting Margin- Other: $25.65 million versus the three-analyst average estimate of $33.93 million. The reported number represents a year-over-year change of -29.6%.
  • Life Underwriting Margin- Direct to Consumer: $113.06 million versus $110.35 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a -0.6% change.
  • Revenue- Health premium- Family Heritage: $128.63 million versus the three-analyst average estimate of $129.35 million. The reported number represents a year-over-year change of +8.4%.
  • Life Underwriting Margin- American Income: $268.46 million compared to the $253.53 million average estimate based on three analysts. The reported number represents a change of +2.8% year over year.
  • Revenue- Health premium- Direct to Consumer: $20.84 million compared to the $20.87 million average estimate based on three analysts. The reported number represents a change of +8.6% year over year.
  • Revenue- Health premium- American Income: $31.49 million versus $32.31 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a -0.6% change.
  • Revenue- Health premium- Liberty National: $46.56 million versus $49.44 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a -1.5% change.
  • Revenue- Health Premium- United American: $219.34 million versus the three-analyst average estimate of $211.78 million. The reported number represents a year-over-year change of +29.2%.
  • Revenue- Life premium- Direct to Consumer: $243.08 million compared to the $243.38 million average estimate based on three analysts. The reported number represents a change of -0.7% year over year.

View all Key Company Metrics for Globe Life here>>>

Shares of Globe Life have returned +0.2% over the past month versus the Zacks S&P 500 composite's +1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

Published in