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AFL vs. GL: Aflac vs. Globe Life Stock Comparison

How do Aflac (AFL) and Globe Life (GL) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Aflac (AFL) and Globe Life (GL) are both classified in the Life & Health Insurance sub-industry within the broader Insurance industry, placing them in the closest GICS peer bucket.

Company profile comparison for Aflac (AFL) and Globe Life (GL)
Profile ItemAFLGL
NameAflac IncorporatedGlobe Life Inc.
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryLife & Health InsuranceLife & Health Insurance
Market Capitalization61.36 billion USD11.86 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateMarch 17, 1980October 1, 1980
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

AFL
GL
GSPC
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Aflac (AFL) vs. Globe Life (GL), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Aflac (AFL) and Globe Life (GL). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Aflac (AFL) and Globe Life (GL). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Aflac (AFL) and Globe Life (GL)
MetricAFLGL
Total Return (1Y)12.21%22.37%
Total Return (3Y, Annualized)18.21%12.75%
Total Return (5Y, Annualized)20.06%12.63%

Risk Profile

Drawdown History

AFL
GL
GSPC
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Aflac (AFL) vs. Globe Life (GL), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Aflac (AFL) and Globe Life (GL). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Aflac (AFL) and Globe Life (GL)
MetricAFLGL
Volatility (1Y, Annualized)17.13%21.23%
Beta (5Y)0.550.46
Max Drawdown (5Y)-19.86%-61.62%
Avg. Volume (3M)1.93M504.63K

Risk-Adjusted Performance

Risk-Return Positioning

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AFL and GL are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Aflac (AFL) and Globe Life (GL)
MetricAFLGL
Sharpe Ratio (1Y)0.460.85
Sortino Ratio (1Y)0.681.13

Profitability

ROE (TTM)

Both Aflac (AFL) at 12.17% and Globe Life (GL) at 19.26% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

AFL

Insurance industry group

12.17%

Max
41.68%
Q3
22.04%
Median
14.81%
AFL
12.17%
Q1
8.79%
Min
-10.66%

GL

Insurance industry group

19.26%

Max
41.68%
Q3
22.04%
GL
19.26%
Median
14.81%
Q1
8.79%
Min
-10.66%
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Aflac (AFL) vs. Globe Life (GL): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

For every dollar of sales, both Aflac (AFL) at 21.24% and Globe Life (GL) at 18.89% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

AFL

Insurance industry group

21.24%

Max
29.92%
AFL
21.24%
Q3
17.03%
Median
10.97%
Q1
6.21%
Min
-4.68%

GL

Insurance industry group

18.89%

Max
29.92%
GL
18.89%
Q3
17.03%
Median
10.97%
Q1
6.21%
Min
-4.68%
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Aflac (AFL) vs. Globe Life (GL): A comparison of their net margin against the Insurance industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for Aflac (AFL) in Insurance and Globe Life (GL) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Profitability metrics for Aflac (AFL) and Globe Life (GL)
MetricAFLGL
ROE (TTM)12.17%19.26%
ROA (TTM)2.39%3.32%
Net Margin (TTM)21.24%18.89%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Globe Life (GL) at 3.74% is around its peer norm for revenue growth, while Aflac (AFL) at -9.27% drops into the bottom quartile, signaling weaker demand or pricing momentum.

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Aflac (AFL) vs. Globe Life (GL): A comparison of their Revenue Growth across different time periods.

EPS Growth

Globe Life (GL) at 17.84% is around its peer norm for EPS growth, while Aflac (AFL) at -29.18% drops into the bottom quartile, signaling weaker earnings momentum.

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Aflac (AFL) vs. Globe Life (GL): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Aflac (AFL) and Globe Life (GL)
MetricAFLGL
Revenue Growth (YoY)-9.27%3.74%
Revenue Growth (3Y CAGR)-3.23%4.67%
EPS Growth (YoY)-29.18%17.84%
EPS Growth (3Y CAGR)-0.53%23.50%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Aflac (AFL) in Insurance and Globe Life (GL) in Insurance both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for both: Aflac (AFL) in Insurance and Globe Life (GL) in Insurance run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Financial strength metrics for Aflac (AFL) and Globe Life (GL)
MetricAFLGL
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Both Aflac (AFL) at 1.91% and Globe Life (GL) at 0.79% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

AFL

Insurance industry group

1.91%

Max
5.12%
Q3
2.15%
AFL
1.91%
Median
0.98%
Q1
0.00%
Min
0.00%

GL

Insurance industry group

0.79%

Max
5.12%
Q3
2.15%
Median
0.98%
GL
0.79%
Q1
0.00%
Min
0.00%
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Aflac (AFL) vs. Globe Life (GL): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Both Aflac (AFL) at 35.18% and Globe Life (GL) at 8.43% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

AFL

Insurance industry group

35.18%

Max
76.67%
AFL
35.18%
Q3
35.18%
Median
14.74%
Q1
0.00%
Min
0.00%

GL

Insurance industry group

8.43%

Max
76.67%
Q3
35.18%
Median
14.74%
GL
8.43%
Q1
0.00%
Min
0.00%
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Aflac (AFL) vs. Globe Life (GL): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Aflac (AFL) and Globe Life (GL)
MetricAFLGL
Dividend Yield (TTM)1.91%0.79%
Dividend Payout Ratio (TTM)35.18%8.43%

Valuation

P/E Ratio (TTM)

Both Aflac (AFL) at 18.11 and Globe Life (GL) at 10.52 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

AFL

Insurance industry group

18.11

Max
28.37
Q3
18.75
AFL
18.11
Median
12.23
Q1
9.08
Min
2.32

GL

Insurance industry group

10.52

Max
28.37
Q3
18.75
Median
12.23
GL
10.52
Q1
9.08
Min
2.32
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Aflac (AFL) vs. Globe Life (GL): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

Globe Life (GL) at 1.89 is priced about in line with its industry on P/S ratio, while Aflac (AFL) at 3.70 sits in the pricier quartile — AFL costs more per dollar of sales.

AFL

Insurance industry group

3.70

Max
4.03
AFL
3.70
Q3
2.25
Median
1.23
Q1
0.85
Min
0.07

GL

Insurance industry group

1.89

Max
4.03
Q3
2.25
GL
1.89
Median
1.23
Q1
0.85
Min
0.07
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Aflac (AFL) vs. Globe Life (GL): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both Aflac (AFL) at 2.10 and Globe Life (GL) at 1.81 are valued close to their industries’ norm against book — neither stands out from peers.

AFL

Insurance industry group

2.10

Max
5.07
Q3
2.79
AFL
2.10
Median
1.76
Q1
1.23
Min
0.30

GL

Insurance industry group

1.81

Max
5.07
Q3
2.79
GL
1.81
Median
1.76
Q1
1.23
Min
0.30
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Aflac (AFL) vs. Globe Life (GL): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Aflac (AFL) and Globe Life (GL)
MetricAFLGL
P/E Ratio (TTM)18.1110.52
P/S Ratio (TTM)3.701.89
P/B Ratio (MRQ)2.101.81
Free Cash Flow Yield (TTM)----