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

Updated on October 3, 2025

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

Company Profile

Symbol	GL	RJF
Company Name	Globe Life Inc.	Raymond James Financial, Inc.
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Insurance	Capital Markets
Market Capitalization	11.71 billion USD	35.03 billion USD
Exchange	NYSE	NYSE
Listing Date	October 1, 1980	July 1, 1983
Security Type	Common Stock	Common Stock

Historical Performance

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

Historical Performance at a Glance

Symbol	GL	RJF
5-Day Price Return	-0.23%	0.40%
13-Week Price Return	15.03%	12.54%
26-Week Price Return	9.53%	19.41%
52-Week Price Return	36.94%	40.94%
Month-to-Date Return	2.16%	1.87%
Year-to-Date Return	28.20%	11.12%
10-Day Avg. Volume	0.60M	1.36M
3-Month Avg. Volume	0.60M	1.09M
3-Month Volatility	26.49%	22.24%
Beta	0.57	1.09

Profitability

Return on Equity (TTM)

GL

20.50%

Insurance Industry

Max: 30.96%
Q3: 18.76%
Median: 14.22%
Q1: 10.34%
Min: 1.73%

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.

RJF

17.75%

Capital Markets Industry

Max: 38.97%
Q3: 22.24%
Median: 13.52%
Q1: 8.61%
Min: -4.25%

RJF’s Return on Equity of 17.75% is on par with the norm for the Capital Markets industry, indicating its profitability relative to shareholder equity is typical for the sector.

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

Net Profit Margin (TTM)

GL

18.11%

Insurance Industry

Max: 26.78%
Q3: 14.69%
Median: 9.87%
Q1: 6.59%
Min: -3.51%

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.

RJF

13.56%

Capital Markets Industry

Max: 69.91%
Q3: 37.24%
Median: 24.30%
Q1: 13.06%
Min: -15.18%

RJF’s Net Profit Margin of 13.56% is aligned with the median group of its peers in the Capital Markets industry. This indicates its ability to convert revenue into profit is typical for the sector.

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

Operating Profit Margin (TTM)

GL

24.74%

Insurance Industry

Max: 34.52%
Q3: 20.17%
Median: 14.46%
Q1: 9.62%
Min: -2.51%

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

RJF

17.44%

Capital Markets Industry

Max: 84.86%
Q3: 47.16%
Median: 32.23%
Q1: 18.65%
Min: -21.87%

RJF’s Operating Profit Margin of 17.44% is in the lower quartile for the Capital Markets industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

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

Profitability at a Glance

Symbol	GL	RJF
Return on Equity (TTM)	20.50%	17.75%
Return on Assets (TTM)	3.61%	2.56%
Net Profit Margin (TTM)	18.11%	13.56%
Operating Profit Margin (TTM)	24.74%	17.44%
Gross Profit Margin (TTM)	--	85.42%

Financial Strength

Current Ratio (MRQ)

GL

0.54

Insurance Industry

Max: 2.97
Q3: 1.37
Median: 0.54
Q1: 0.15
Min: 0.00

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

RJF

0.26

Capital Markets Industry

Max: 3.37
Q3: 1.81
Median: 1.01
Q1: 0.56
Min: 0.04

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

GL vs. RJF: A comparison of their Current Ratio (MRQ) against their respective Insurance and Capital Markets industry benchmarks.

Debt-to-Equity Ratio (MRQ)

GL

0.51

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.23
Min: 0.00

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

RJF

4.98

Capital Markets Industry

Max: 6.52
Q3: 2.79
Median: 0.96
Q1: 0.28
Min: 0.00

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

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

Interest Coverage Ratio (TTM)

GL

11.44

Insurance Industry

Max: 43.68
Q3: 21.45
Median: 9.67
Q1: 3.55
Min: -5.73

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

RJF

Capital Markets Industry

Max: 107.59
Q3: 48.41
Median: 10.85
Q1: 4.56
Min: -36.26

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

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

Financial Strength at a Glance

Symbol	GL	RJF
Current Ratio (MRQ)	0.54	0.26
Quick Ratio (MRQ)	0.54	0.26
Debt-to-Equity Ratio (MRQ)	0.51	4.98
Interest Coverage Ratio (TTM)	11.44	--

Growth

Revenue Growth

GL vs. RJF: 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. RJF: 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

0.73%

Insurance Industry

Max: 9.80%
Q3: 5.18%
Median: 3.58%
Q1: 2.07%
Min: 0.00%

GL’s Dividend Yield of 0.73% 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.

RJF

1.21%

Capital Markets Industry

Max: 9.02%
Q3: 4.54%
Median: 2.55%
Q1: 1.27%
Min: 0.00%

RJF’s Dividend Yield of 1.21% is in the lower quartile for the Capital Markets industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

GL vs. RJF: A comparison of their Dividend Yield (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Dividend Payout Ratio (TTM)

GL

7.91%

Insurance Industry

Max: 169.40%
Q3: 85.57%
Median: 53.26%
Q1: 23.68%
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.

RJF

19.17%

Capital Markets Industry

Max: 199.38%
Q3: 99.28%
Median: 60.67%
Q1: 32.00%
Min: 0.00%

RJF’s Dividend Payout Ratio of 19.17% is in the lower quartile for the Capital Markets industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

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

Dividend at a Glance

Symbol	GL	RJF
Dividend Yield (TTM)	0.73%	1.21%
Dividend Payout Ratio (TTM)	7.91%	19.17%

Valuation

Price-to-Earnings Ratio (TTM)

GL

10.78

Insurance Industry

Max: 30.75
Q3: 18.11
Median: 12.67
Q1: 9.66
Min: 2.87

GL’s P/E Ratio of 10.78 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.

RJF

15.89

Capital Markets Industry

Max: 51.69
Q3: 29.42
Median: 17.58
Q1: 12.55
Min: 5.59

RJF’s P/E Ratio of 15.89 is within the middle range for the Capital Markets 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. RJF: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Insurance and Capital Markets industry benchmarks.

Price-to-Sales Ratio (TTM)

GL

1.95

Insurance Industry

Max: 3.41
Q3: 1.88
Median: 1.22
Q1: 0.80
Min: 0.23

GL’s P/S Ratio of 1.95 is in the upper echelon for the Insurance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

RJF

2.16

Capital Markets Industry

Max: 14.65
Q3: 7.29
Median: 4.53
Q1: 2.26
Min: 0.04

In the lower quartile for the Capital Markets industry, RJF’s P/S Ratio of 2.16 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

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

Price-to-Book Ratio (MRQ)

GL

1.89

Insurance Industry

Max: 4.57
Q3: 2.56
Median: 1.88
Q1: 1.20
Min: 0.17

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.

RJF

2.52

Capital Markets Industry

Max: 10.83
Q3: 5.12
Median: 2.66
Q1: 1.19
Min: 0.37

RJF’s P/B Ratio of 2.52 is within the conventional range for the Capital Markets 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.

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

Valuation at a Glance

Symbol	GL	RJF
Price-to-Earnings Ratio (TTM)	10.78	15.89
Price-to-Sales Ratio (TTM)	1.95	2.16
Price-to-Book Ratio (MRQ)	1.89	2.52
Price-to-Free Cash Flow Ratio (TTM)	8.52	17.35