GL vs. L: Globe Life vs. Loews Stock Comparison
How do Globe Life (GL) and Loews (L) 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
Globe Life (GL) and Loews (L) both belong to the Insurance industry, though GL is classified under Life & Health Insurance while L falls under Property & Casualty Insurance.
| Profile Item | GL | L |
|---|---|---|
| Name | Globe Life Inc. | Loews Corp. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Insurance | Insurance |
| GICS Industry | Insurance | Insurance |
| GICS Sub-Industry | Life & Health Insurance | Property & Casualty Insurance |
| Market Capitalization | 11.86 billion USD | 22.19 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | October 1, 1980 | March 17, 1980 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | GL | L |
|---|---|---|
| Total Return (1Y) | 22.37% | 7.24% |
| Total Return (3Y, Annualized) | 12.75% | 19.27% |
| Total Return (5Y, Annualized) | 12.63% | 14.13% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | GL | L |
|---|---|---|
| Volatility (1Y, Annualized) | 21.23% | 16.13% |
| Beta (5Y) | 0.46 | 0.49 |
| Max Drawdown (5Y) | -61.62% | -26.11% |
| Avg. Volume (3M) | 504.63K | 805.54K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | GL | L |
|---|---|---|
| Sharpe Ratio (1Y) | 0.85 | 0.18 |
| Sortino Ratio (1Y) | 1.13 | 0.26 |
Profitability
ROE (TTM)
Globe Life (GL) at 19.26% is around its peer norm for ROE, while Loews (L) at 8.21% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
GL
Insurance industry group
19.26%
- Max
- 41.68%
- Q3
- 22.04%
- GL
- 19.26%
- Median
- 14.81%
- Q1
- 8.79%
- Min
- -10.66%
L
Insurance industry group
8.21%
- Max
- 41.68%
- Q3
- 22.04%
- Median
- 14.81%
- Q1
- 8.79%
- L
- 8.21%
- Min
- -10.66%
Net Margin (TTM)
Globe Life (GL) at 18.89% retains a top-quartile share of revenue as profit, ahead of Loews (L) at 7.93%, which keeps about the industry-typical share.
GL
Insurance industry group
18.89%
- Max
- 29.92%
- GL
- 18.89%
- Q3
- 17.03%
- Median
- 10.97%
- Q1
- 6.21%
- Min
- -4.68%
L
Insurance industry group
7.93%
- Max
- 29.92%
- Q3
- 17.03%
- Median
- 10.97%
- L
- 7.93%
- Q1
- 6.21%
- Min
- -4.68%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Globe Life (GL) in Insurance and Loews (L) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | GL | L |
|---|---|---|
| ROE (TTM) | 19.26% | 8.21% |
| ROA (TTM) | 3.32% | 1.71% |
| Net Margin (TTM) | 18.89% | 7.93% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Globe Life (GL) at 3.74% and Loews (L) at 5.44% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both Globe Life (GL) at 17.84% and Loews (L) at 24.34% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | GL | L |
|---|---|---|
| Revenue Growth (YoY) | 3.74% | 5.44% |
| Revenue Growth (3Y CAGR) | 4.67% | 8.96% |
| EPS Growth (YoY) | 17.84% | 24.34% |
| EPS Growth (3Y CAGR) | 23.50% | 33.10% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Globe Life (GL) in Insurance and Loews (L) 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: Globe Life (GL) in Insurance and Loews (L) 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 | GL | L |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Globe Life (GL) at 0.79% and Loews (L) at 0.23% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
GL
Insurance industry group
0.79%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- GL
- 0.79%
- Q1
- 0.00%
- Min
- 0.00%
L
Insurance industry group
0.23%
- Max
- 5.12%
- Q3
- 2.15%
- Median
- 0.98%
- L
- 0.23%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Globe Life (GL) at 8.43% and Loews (L) at 3.46% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
GL
Insurance industry group
8.43%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- GL
- 8.43%
- Q1
- 0.00%
- Min
- 0.00%
L
Insurance industry group
3.46%
- Max
- 76.67%
- Q3
- 35.18%
- Median
- 14.74%
- L
- 3.46%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | GL | L |
|---|---|---|
| Dividend Yield (TTM) | 0.79% | 0.23% |
| Dividend Payout Ratio (TTM) | 8.43% | 3.46% |
Valuation
P/E Ratio (TTM)
Both Globe Life (GL) at 10.52 and Loews (L) at 15.17 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
GL
Insurance industry group
10.52
- Max
- 28.37
- Q3
- 18.75
- Median
- 12.23
- GL
- 10.52
- Q1
- 9.08
- Min
- 2.32
L
Insurance industry group
15.17
- Max
- 28.37
- Q3
- 18.75
- L
- 15.17
- Median
- 12.23
- Q1
- 9.08
- Min
- 2.32
P/S Ratio (TTM)
On P/S ratio, both Globe Life (GL) at 1.89 and Loews (L) at 1.18 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
GL
Insurance industry group
1.89
- Max
- 4.03
- Q3
- 2.25
- GL
- 1.89
- Median
- 1.23
- Q1
- 0.85
- Min
- 0.07
L
Insurance industry group
1.18
- Max
- 4.03
- Q3
- 2.25
- Median
- 1.23
- L
- 1.18
- Q1
- 0.85
- Min
- 0.07
P/B Ratio (MRQ)
Loews (L) at 1.22 sits in the lower P/B ratio quartile against book while Globe Life (GL) at 1.81 is valued near its industry’s middle — L is cheaper on assets, though weigh it against ROE and asset quality.
GL
Insurance industry group
1.81
- Max
- 5.07
- Q3
- 2.79
- GL
- 1.81
- Median
- 1.76
- Q1
- 1.23
- Min
- 0.30
L
Insurance industry group
1.22
- Max
- 5.07
- Q3
- 2.79
- Median
- 1.76
- Q1
- 1.23
- L
- 1.22
- Min
- 0.30
Valuation Metrics
| Metric | GL | L |
|---|---|---|
| P/E Ratio (TTM) | 10.52 | 15.17 |
| P/S Ratio (TTM) | 1.89 | 1.18 |
| P/B Ratio (MRQ) | 1.81 | 1.22 |
| Free Cash Flow Yield (TTM) | -- | -- |