Globe Life Inc. GL NYSE

Globe Life Inc. (GL) reported moderate year-over-year revenue growth of +3.8% through 2025-12 (TTM revenue vs prior-year TTM). Net income showed solid earnings growth of +8.4% YoY, reaching $266M in the latest quarter. The net profit margin is 17.5%, which is high. The company has maintained profitability in all 4 quarters. The gross margin is 25% (low), down 69.8pp vs the prior year. With a $12B market cap, MOAT composite score of 44/100 (low competitive position).

Criteria proven by this page:

• GROWTH (55/100, Partial) — growth is present but not consistently above 5% across both metrics
• PAST (100/100, Pass) — proving consistent earnings. Looking at the full 41-year annual history, the company was profitable in 41 of 41 years — a perfect long-term track record
• INCOME (70/100, Pass) — proves strong profitability and pricing power
• MOAT (44/100, Fail) — limited competitive moat based on margins and scale

Overall SharesGrow Score: 68/100 with 4/7 criteria passed.