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Dec 31, 2025
Globe Life Q4 2025 Earnings Report
Globe Life reported its financial results for the fourth quarter ended December 31, 2025, showing increases in net income and net operating income per diluted common share compared to the prior year.
Key Takeaways
Globe Life Inc. announced a strong fourth quarter for 2025, with net income per diluted common share rising to $3.29 from $3.01 in the year-ago quarter, and net operating income per diluted common share increasing to $3.39 from $3.14. The company also reported significant growth in life and health net sales across its divisions, alongside a share repurchase program.
Net income per diluted common share increased to $3.29 in Q4 2025, up from $3.01 in Q4 2024.
Net operating income per diluted common share rose to $3.39 in Q4 2025, compared to $3.14 in Q4 2024.
Life net sales increased 11% for the quarter, and net health sales increased 71%.
The company repurchased 1.3 million shares of common stock at a total cost of $170 million during the quarter.
Revenue by Segment
Forward Guidance
Globe Life projects net operating income between $14.95 to $15.65 per diluted common share for the year ending December 31, 2026, an increase from the previous guidance.
Positive Outlook
- Projected increase in net operating income per diluted common share for FY 2026.
- Strong and stable cash flows from basic protection life and supplemental health insurance policies.
- Liquidity at the Parent Company is sufficient to meet additional capital needs.
- Business model not impacted by volatile equity markets.
- Continued focus on core insurance operations.
Challenges Ahead
- Potential impact of economic conditions, including inflation and geopolitical events, on lapse rates and sales.
- Changes in accounting standards or governmental regulations could affect financial results.
- Market trends in the senior-aged health care industry may affect Medicare Supplement sales.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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