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Globe Life (GL) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · Globe Life (GL) Q3 2026 earnings results →
Q3 2026 Revenue up 6% year over year to $1.6B · 23¢ of every $1 of revenue kept as net profit · operating margin 27.6%
Globe Life made $1.6B in Q3 2026 (+6% Y/Y). Operating margin 27.6%, net earnings $361M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $1.6B in Q3 2026, up 5% year over year and roughly flat from the previous quarter.
Operating profit was $0.44B, a 27.6% margin (down 3.9 points year over year). Operating profit fell $0.04B even though revenue rose $0.08B versus Q3 2025, so costs grew faster than sales. Total costs grew 11% against revenue growth of 5%. Net earnings were $0.36B, down 7% year over year. The effective tax rate was 18.2%.
Operating cash flow was $0.33B (up 6% year over year), 90% of net earnings. Non-cash charges added back $0.02B of share-based compensation. Working capital and other items used $0.05B. Capital expenditures of $0.01B left free cash flow of $0.31B.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 4, 2026 | $1.6B | +6% | 27.6% | $361M | $326M |
| Q2 2026 | 10-Q | Aug 5, 2026 | $1.6B | +8% | 22.2% | $288M | $314M |
| Q1 2026 | 10-Q | May 7, 2026 | $1.6B | +5% | 21.4% | $271M | $421M |
| Q4 2025 | 10-K | Feb 25, 2026 | $1.5B | +4% | 21.7% | $266M | $351M |
| Q3 2025 | 10-Q | Nov 5, 2025 | $1.5B | +4% | 31.5% | $388M | $306M |
| Q2 2025 | 10-Q | Aug 6, 2025 | $1.5B | +3% | 21.2% | $253M | $308M |
| Q1 2025 | 10-Q | May 7, 2025 | $1.5B | +4% | 21.4% | $255M | $432M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Globe Life
Globe Life and the Company refer to Globe Life Inc., an insurance holding company incorporated in Delaware in 1979, and its subsidiaries and affiliates. Its primary subsidiaries are Globe Life And Accident Insurance Company, American Income Life Insurance Company, Liberty National Life Insurance Company, Family Heritage Life Insurance Company of America, and United American Insurance Company. Globe Life's website is: www.globelifeinsurance.com. Globe Life makes available free of charge through its website, its annual report on Form 10-K, its quarterly reports on Form 10-Q, current reports on Form 8-K, and amendments to those reports as soon as reasonably practicable after they have been electronically filed with or furnished to the Securities and Exchange Commission. Other information included in Globe Life's website is not incorporated into this filing.
In its own words, from its 10-K, filed Feb 25, 2026.
Globe Life against its Life Insurance peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +6% against the peers' median +8%. Operating margin: 27.6% against the peers' median 11.4%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| GL Globe Life | Q3 2026 | $1.6B | +6% | 27.6% |
| MET Metlife | Q3 2026 | $20.5B | +18% | 8.9% |
| PRU Prudential Financial | Q3 2026 | $14.4B | -19% | 11.4% |
| Metropolitan Life Insurance | Q2 2026 | $9.6B | +2% | 6.0% |
| RGA Reinsurance Group of America | Q3 2026 | $7.5B | +22% | 8.3% |
| CRBG Corebridge Financial | Q3 2026 | $6.2B | +14% | 37.7% |
| LNC Lincoln National | Q3 2026 | $5.5B | +20% | 31.7% |
| Lincoln National Life Insurance | Q2 2026 | $4.3B | +8% | 25.2% |
| ATH-PA Athene Holding | Q3 2026 | $3.1B | -62% | -56.7% |
Source: Globe Life 10-Q on SEC EDGAR · CIK 320335 · Life Insurance
Guidance and outlook
13F: who owns GL and who is buying
More on GL
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results