FNF vs. GL: Fidelity National Financial vs. Globe Life Stock Comparison
How do Fidelity National Financial (FNF) 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
Fidelity National Financial (FNF) and Globe Life (GL) both belong to the Insurance industry, though FNF is classified under Property & Casualty Insurance while GL falls under Life & Health Insurance.
| Profile Item | FNF | GL |
|---|---|---|
| Name | Fidelity National Financial, Inc. | Globe Life Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Property & Casualty Insurance | Life & Health Insurance |
| Market Capitalization | 11.76 billion USD | 11.86 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | October 14, 2005 | October 1, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | FNF | GL |
|---|---|---|
| Total Return (1Y) | -16.26% | 22.37% |
| Total Return (3Y, Annualized) | 5.52% | 12.75% |
| Total Return (5Y, Annualized) | 2.84% | 12.63% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | FNF | GL |
|---|---|---|
| Volatility (1Y, Annualized) | 27.95% | 21.23% |
| Beta (5Y) | 0.91 | 0.46 |
| Max Drawdown (5Y) | -36.69% | -61.62% |
| Avg. Volume (3M) | 2.46M | 504.63K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | FNF | GL |
|---|---|---|
| Sharpe Ratio (1Y) | -0.73 | 0.85 |
| Sortino Ratio (1Y) | -1.00 | 1.13 |
Profitability
ROE (TTM)
Both Fidelity National Financial (FNF) at 15.10% 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.
FNF
Insurance industry group
15.10%
- Max
- 41.68%
- Q3
- 22.04%
- FNF
- 15.10%
- Median
- 14.81%
- 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%
Net Margin (TTM)
Globe Life (GL) at 18.89% retains a top-quartile share of revenue as profit, ahead of Fidelity National Financial (FNF) at 7.00%, which keeps about the industry-typical share.
FNF
Insurance industry group
7.00%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- FNF
- 7.00%
- 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%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Fidelity National Financial (FNF) 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
| Metric | FNF | GL |
|---|---|---|
| ROE (TTM) | 15.10% | 19.26% |
| ROA (TTM) | 1.54% | 3.32% |
| Net Margin (TTM) | 7.00% | 18.89% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Fidelity National Financial (FNF) at 5.88% and Globe Life (GL) at 3.74% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Globe Life (GL) at 17.84% is around its peer norm for EPS growth, while Fidelity National Financial (FNF) at -52.47% drops into the bottom quartile, signaling weaker earnings momentum.
Growth Metrics
| Metric | FNF | GL |
|---|---|---|
| Revenue Growth (YoY) | 5.88% | 3.74% |
| Revenue Growth (3Y CAGR) | 7.27% | 4.67% |
| EPS Growth (YoY) | -52.47% | 17.84% |
| EPS Growth (3Y CAGR) | -18.62% | 23.50% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Fidelity National Financial (FNF) 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: Fidelity National Financial (FNF) 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
| Metric | FNF | GL |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Fidelity National Financial (FNF) at 4.85% delivers top-quartile income for its industry, while Globe Life (GL) at 0.79% pays a more typical yield — both are credible income propositions, FNF the richer one.
FNF
Insurance industry group
4.85%
- Max
- 5.12%
- FNF
- 4.85%
- Q3
- 2.15%
- 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%
Dividend Payout Ratio (TTM)
Globe Life (GL) at 8.43% pays out a band-typical share of earnings, while Fidelity National Financial (FNF) at 53.20% distributes more than its industry norm — less retained, thinner cover.
FNF
Insurance industry group
53.20%
- Max
- 76.67%
- FNF
- 53.20%
- 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%
Dividend Metrics
| Metric | FNF | GL |
|---|---|---|
| Dividend Yield (TTM) | 4.85% | 0.79% |
| Dividend Payout Ratio (TTM) | 53.20% | 8.43% |
Valuation
P/E Ratio (TTM)
Both Fidelity National Financial (FNF) at 11.21 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.
FNF
Insurance industry group
11.21
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- FNF
- 11.21
- 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
P/S Ratio (TTM)
Fidelity National Financial (FNF) at 0.79 sits in the cheaper P/S ratio quartile while Globe Life (GL) at 1.89 prices around its industry’s middle — FNF costs less per dollar of sales, though read it alongside growth and margins.
FNF
Insurance industry group
0.79
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- Q1
- 0.85
- FNF
- 0.79
- 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
P/B Ratio (MRQ)
On P/B ratio, both Fidelity National Financial (FNF) at 1.59 and Globe Life (GL) at 1.81 are valued close to their industries’ norm against book — neither stands out from peers.
FNF
Insurance industry group
1.59
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- FNF
- 1.59
- 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
Valuation Metrics
| Metric | FNF | GL |
|---|---|---|
| P/E Ratio (TTM) | 11.21 | 10.52 |
| P/S Ratio (TTM) | 0.79 | 1.89 |
| P/B Ratio (MRQ) | 1.59 | 1.81 |
| Free Cash Flow Yield (TTM) | -- | -- |