GL vs. IBN: A Head-to-Head Stock Comparison

Updated on November 18, 2025

Here’s a clear look at GL and IBN, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

GL is a standard domestic listing, while IBN trades as an American Depositary Receipt (ADR), offering U.S. investors access to its foreign-listed shares.

Symbol	GL	IBN
Company Name	Globe Life Inc.	ICICI Bank Limited
Country	United States	India
GICS Sector	Financials	Financials
GICS Industry	Insurance	Banks
Market Capitalization	10.69 billion USD	113.11 billion USD
Exchange	NYSE	NYSE
Listing Date	October 1, 1980	March 28, 2000
Security Type	Common Stock	ADR

Historical Performance

This chart compares the performance of GL and IBN by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

GL vs. IBN: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	GL	IBN
5-Day Price Return	-0.67%	1.47%
13-Week Price Return	-3.35%	-2.98%
26-Week Price Return	10.19%	-3.62%
52-Week Price Return	20.57%	-0.10%
Month-to-Date Return	-0.06%	2.49%
Year-to-Date Return	17.85%	7.44%
10-Day Avg. Volume	0.55M	12.05M
3-Month Avg. Volume	0.61M	10.44M
3-Month Volatility	17.85%	14.42%
Beta	0.49	-0.06

Profitability

Return on Equity (TTM)

GL

21.07%

Insurance Industry

Max: 31.64%
Q3: 19.22%
Median: 14.77%
Q1: 10.48%
Min: 2.20%

In the upper quartile for the Insurance industry, GL’s Return on Equity of 21.07% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

IBN

16.76%

Banks Industry

Max: 25.75%
Q3: 15.51%
Median: 11.91%
Q1: 8.65%
Min: -1.41%

In the upper quartile for the Banks industry, IBN’s Return on Equity of 16.76% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

GL vs. IBN: A comparison of their Return on Equity (TTM) against their respective Insurance and Banks industry benchmarks.

Net Profit Margin (TTM)

GL

19.36%

Insurance Industry

Max: 28.47%
Q3: 15.63%
Median: 10.40%
Q1: 6.94%
Min: -3.51%

A Net Profit Margin of 19.36% places GL in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.

IBN

27.24%

Banks Industry

Max: 54.20%
Q3: 35.60%
Median: 28.95%
Q1: 22.27%
Min: 2.66%

IBN’s Net Profit Margin of 27.24% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

GL vs. IBN: A comparison of their Net Profit Margin (TTM) against their respective Insurance and Banks industry benchmarks.

Operating Profit Margin (TTM)

GL

26.27%

Insurance Industry

Max: 35.59%
Q3: 21.31%
Median: 14.99%
Q1: 10.34%
Min: -2.51%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

IBN

36.51%

Banks Industry

Max: 63.35%
Q3: 44.30%
Median: 37.14%
Q1: 28.21%
Min: 12.28%

IBN’s Operating Profit Margin of 36.51% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

GL vs. IBN: A comparison of their Operating Profit Margin (TTM) against their respective Insurance and Banks industry benchmarks.

Profitability at a Glance

Symbol	GL	IBN
Return on Equity (TTM)	21.07%	16.76%
Return on Assets (TTM)	3.86%	2.02%
Net Profit Margin (TTM)	19.36%	27.24%
Operating Profit Margin (TTM)	26.27%	36.51%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

GL

0.62

Insurance Industry

Max: 2.64
Q3: 1.19
Median: 0.53
Q1: 0.15
Min: 0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

IBN

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

GL vs. IBN: A comparison of their Current Ratio (MRQ) against their respective Insurance and Banks industry benchmarks.

Debt-to-Equity Ratio (MRQ)

GL

0.48

Insurance Industry

Max: 1.10
Q3: 0.65
Median: 0.35
Q1: 0.23
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

IBN

0.64

Banks Industry

Max: 5.78
Q3: 2.55
Median: 0.94
Q1: 0.39
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

GL vs. IBN: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Insurance and Banks industry benchmarks.

Interest Coverage Ratio (TTM)

GL

11.44

Insurance Industry

Max: 49.59
Q3: 22.05
Median: 9.63
Q1: 3.42
Min: -5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

IBN

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

GL vs. IBN: A comparison of their Interest Coverage Ratio (TTM) against their respective Insurance and Banks industry benchmarks.

Financial Strength at a Glance

Symbol	GL	IBN
Current Ratio (MRQ)	0.62	--
Quick Ratio (MRQ)	0.62	--
Debt-to-Equity Ratio (MRQ)	0.48	0.64
Interest Coverage Ratio (TTM)	11.44	--

Growth

Revenue Growth

GL vs. IBN: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

GL vs. IBN: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

GL

0.81%

Insurance Industry

Max: 9.43%
Q3: 5.10%
Median: 3.57%
Q1: 2.02%
Min: 0.00%

GL’s Dividend Yield of 0.81% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

IBN

0.80%

Banks Industry

Max: 9.92%
Q3: 5.44%
Median: 3.78%
Q1: 2.38%
Min: 0.00%

IBN’s Dividend Yield of 0.80% is in the lower quartile for the Banks industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

GL vs. IBN: A comparison of their Dividend Yield (TTM) against their respective Insurance and Banks industry benchmarks.

Dividend Payout Ratio (TTM)

GL

7.35%

Insurance Industry

Max: 169.40%
Q3: 85.57%
Median: 50.55%
Q1: 22.12%
Min: 0.00%

GL’s Dividend Payout Ratio of 7.35% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

IBN

29.24%

Banks Industry

Max: 135.42%
Q3: 78.13%
Median: 52.54%
Q1: 35.48%
Min: 0.00%

IBN’s Dividend Payout Ratio of 29.24% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

GL vs. IBN: A comparison of their Dividend Payout Ratio (TTM) against their respective Insurance and Banks industry benchmarks.

Dividend at a Glance

Symbol	GL	IBN
Dividend Yield (TTM)	0.81%	0.80%
Dividend Payout Ratio (TTM)	7.35%	29.24%

Valuation

Price-to-Earnings Ratio (TTM)

GL

9.04

Insurance Industry

Max: 27.66
Q3: 17.29
Median: 12.59
Q1: 9.86
Min: 3.13

In the lower quartile for the Insurance industry, GL’s P/E Ratio of 9.04 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

IBN

18.39

Banks Industry

Max: 21.36
Q3: 13.70
Median: 10.55
Q1: 8.08
Min: 2.84

A P/E Ratio of 18.39 places IBN in the upper quartile for the Banks industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

GL vs. IBN: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Insurance and Banks industry benchmarks.

Price-to-Sales Ratio (TTM)

GL

1.75

Insurance Industry

Max: 3.39
Q3: 1.95
Median: 1.25
Q1: 0.83
Min: 0.22

GL’s P/S Ratio of 1.75 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

IBN

4.33

Banks Industry

Max: 4.90
Q3: 2.97
Median: 2.24
Q1: 1.58
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

GL vs. IBN: A comparison of their Price-to-Sales Ratio (TTM) against their respective Insurance and Banks industry benchmarks.

Price-to-Book Ratio (MRQ)

GL

2.04

Insurance Industry

Max: 4.36
Q3: 2.47
Median: 1.77
Q1: 1.18
Min: 0.17

GL’s P/B Ratio of 2.04 is within the conventional range for the Insurance industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

IBN

2.87

Banks Industry

Max: 2.14
Q3: 1.43
Median: 1.13
Q1: 0.87
Min: 0.25

At 2.87, IBN’s P/B Ratio is at an extreme premium to the Banks industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

GL vs. IBN: A comparison of their Price-to-Book Ratio (MRQ) against their respective Insurance and Banks industry benchmarks.

Valuation at a Glance

Symbol	GL	IBN
Price-to-Earnings Ratio (TTM)	9.04	18.39
Price-to-Sales Ratio (TTM)	1.75	4.33
Price-to-Book Ratio (MRQ)	2.04	2.87
Price-to-Free Cash Flow Ratio (TTM)	8.35	8.31