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

Updated on August 18, 2025

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

Company Profile

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

Symbol	GL	ITUB
Company Name	Globe Life Inc.	Itaú Unibanco Holding S.A.
Country	United States	Brazil
GICS Sector	Financials	Financials
GICS Industry	Insurance	Banks
Market Capitalization	11.26 billion USD	71.18 billion USD
Exchange	NYSE	NYSE
Listing Date	October 1, 1980	February 25, 2002
Security Type	Common Stock	ADR

Historical Performance

This chart compares the performance of GL and ITUB 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. ITUB: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	GL	ITUB
5-Day Price Return	-1.07%	5.23%
13-Week Price Return	15.14%	2.98%
26-Week Price Return	15.86%	24.48%
52-Week Price Return	51.91%	24.32%
Month-to-Date Return	-1.05%	8.16%
Year-to-Date Return	24.64%	36.11%
10-Day Avg. Volume	0.71M	25.41M
3-Month Avg. Volume	0.67M	23.35M
3-Month Volatility	26.58%	18.66%
Beta	0.56	0.47

Profitability

Return on Equity (TTM)

GL

20.50%

Insurance Industry

Max: 29.03%
Q3: 18.11%
Median: 13.90%
Q1: 10.42%
Min: -0.64%

In the upper quartile for the Insurance industry, GL’s Return on Equity of 20.50% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

ITUB

20.76%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

In the upper quartile for the Banks industry, ITUB’s Return on Equity of 20.76% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

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

Net Profit Margin (TTM)

GL

18.11%

Insurance Industry

Max: 26.78%
Q3: 14.06%
Median: 9.15%
Q1: 5.48%
Min: -7.05%

A Net Profit Margin of 18.11% places GL in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.

ITUB

17.96%

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

Falling into the lower quartile for the Banks industry, ITUB’s Net Profit Margin of 17.96% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

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

Operating Profit Margin (TTM)

GL

24.74%

Insurance Industry

Max: 35.49%
Q3: 19.49%
Median: 14.35%
Q1: 8.53%
Min: -5.25%

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

ITUB

21.93%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

ITUB’s Operating Profit Margin of 21.93% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

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

Profitability at a Glance

Symbol	GL	ITUB
Return on Equity (TTM)	20.50%	20.76%
Return on Assets (TTM)	3.61%	1.50%
Net Profit Margin (TTM)	18.11%	17.96%
Operating Profit Margin (TTM)	24.74%	21.93%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

GL

0.54

Insurance Industry

Max: 2.97
Q3: 1.33
Median: 0.55
Q1: 0.15
Min: 0.00

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

ITUB

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

Debt-to-Equity Ratio (MRQ)

GL

0.51

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.22
Min: 0.00

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

ITUB

4.50

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
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. ITUB: 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: 43.68
Q3: 20.84
Median: 9.56
Q1: 3.34
Min: -5.73

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

ITUB

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

Financial Strength at a Glance

Symbol	GL	ITUB
Current Ratio (MRQ)	0.54	--
Quick Ratio (MRQ)	0.54	--
Debt-to-Equity Ratio (MRQ)	0.51	4.50
Interest Coverage Ratio (TTM)	11.44	--

Growth

Revenue Growth

GL vs. ITUB: 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. ITUB: 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

0.75%

Insurance Industry

Max: 8.23%
Q3: 4.54%
Median: 3.42%
Q1: 1.97%
Min: 0.00%

GL’s Dividend Yield of 0.75% 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.

ITUB

6.69%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

With a Dividend Yield of 6.69%, ITUB offers a more attractive income stream than most of its peers in the Banks industry, signaling a strong commitment to shareholder returns.

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

Dividend Payout Ratio (TTM)

GL

7.91%

Insurance Industry

Max: 168.02%
Q3: 85.57%
Median: 50.71%
Q1: 22.04%
Min: 0.00%

GL’s Dividend Payout Ratio of 7.91% 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.

ITUB

51.88%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

ITUB’s Dividend Payout Ratio of 51.88% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

Symbol	GL	ITUB
Dividend Yield (TTM)	0.75%	6.69%
Dividend Payout Ratio (TTM)	7.91%	51.88%

Valuation

Price-to-Earnings Ratio (TTM)

GL

10.52

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

GL’s P/E Ratio of 10.52 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

ITUB

9.41

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

ITUB’s P/E Ratio of 9.41 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

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

Price-to-Sales Ratio (TTM)

GL

1.90

Insurance Industry

Max: 3.72
Q3: 1.98
Median: 1.23
Q1: 0.81
Min: 0.23

GL’s P/S Ratio of 1.90 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.

ITUB

1.38

Banks Industry

Max: 5.06
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

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

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

Price-to-Book Ratio (MRQ)

GL

1.89

Insurance Industry

Max: 4.37
Q3: 2.48
Median: 1.68
Q1: 1.19
Min: 0.19

GL’s P/B Ratio of 1.89 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.

ITUB

1.58

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

ITUB’s P/B Ratio of 1.58 is in the upper tier for the Banks industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

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

Valuation at a Glance

Symbol	GL	ITUB
Price-to-Earnings Ratio (TTM)	10.52	9.41
Price-to-Sales Ratio (TTM)	1.90	1.38
Price-to-Book Ratio (MRQ)	1.89	1.58
Price-to-Free Cash Flow Ratio (TTM)	8.31	4.14