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GL vs. UNM: Globe Life vs. Unum Stock Comparison

How do Globe Life (GL) and Unum (UNM) 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 Unum (UNM) are both classified in the Life & Health Insurance sub-industry within the broader Insurance industry, placing them in the closest GICS peer bucket.

Company profile comparison for Globe Life (GL) and Unum (UNM)
Profile ItemGLUNM
NameGlobe Life Inc.Unum Group
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupInsuranceInsurance
GICS IndustryInsuranceInsurance
GICS Sub-IndustryLife & Health InsuranceLife & Health Insurance
Market Capitalization11.86 billion USD11.89 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateOctober 1, 1980November 6, 1986
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

GL
UNM
GSPC
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Globe Life (GL) vs. Unum (UNM), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Globe Life (GL) and Unum (UNM). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Globe Life (GL) and Unum (UNM). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Globe Life (GL) and Unum (UNM)
MetricGLUNM
Total Return (1Y)22.37%4.52%
Total Return (3Y, Annualized)12.75%25.65%
Total Return (5Y, Annualized)12.63%29.12%

Risk Profile

Drawdown History

GL
UNM
GSPC
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Globe Life (GL) vs. Unum (UNM), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Globe Life (GL) and Unum (UNM). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Globe Life (GL) and Unum (UNM)
MetricGLUNM
Volatility (1Y, Annualized)21.23%29.31%
Beta (5Y)0.460.28
Max Drawdown (5Y)-61.62%-23.00%
Avg. Volume (3M)504.63K1.86M

Risk-Adjusted Performance

Risk-Return Positioning

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GL and UNM are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Globe Life (GL) and Unum (UNM)
MetricGLUNM
Sharpe Ratio (1Y)0.850.01
Sortino Ratio (1Y)1.130.01

Profitability

ROE (TTM)

Globe Life (GL) at 19.26% is around its peer norm for ROE, while Unum (UNM) at 2.25% 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%

UNM

Insurance industry group

2.25%

Max
41.68%
Q3
22.04%
Median
14.81%
Q1
8.79%
UNM
2.25%
Min
-10.66%
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Globe Life (GL) vs. Unum (UNM): A comparison of their ROE against the Insurance industry group benchmark.

Net Margin (TTM)

Globe Life (GL) at 18.89% keeps a top-quartile share of each sales dollar as profit, while Unum (UNM) at 1.94% keeps a bottom-quartile 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%

UNM

Insurance industry group

1.94%

Max
29.92%
Q3
17.03%
Median
10.97%
Q1
6.21%
UNM
1.94%
Min
-4.68%
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Globe Life (GL) vs. Unum (UNM): A comparison of their net margin against the Insurance industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for Globe Life (GL) in Insurance and Unum (UNM) in Insurance, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Profitability metrics for Globe Life (GL) and Unum (UNM)
MetricGLUNM
ROE (TTM)19.26%2.25%
ROA (TTM)3.32%0.51%
Net Margin (TTM)18.89%1.94%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Globe Life (GL) at 3.74% is around its peer norm for revenue growth, while Unum (UNM) at 1.52% drops into the bottom quartile, signaling weaker demand or pricing momentum.

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Globe Life (GL) vs. Unum (UNM): A comparison of their Revenue Growth across different time periods.

EPS Growth

Globe Life (GL) at 17.84% is around its peer norm for EPS growth, while Unum (UNM) at -54.86% drops into the bottom quartile, signaling weaker earnings momentum.

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Globe Life (GL) vs. Unum (UNM): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Globe Life (GL) and Unum (UNM)
MetricGLUNM
Revenue Growth (YoY)3.74%1.52%
Revenue Growth (3Y CAGR)4.67%3.02%
EPS Growth (YoY)17.84%-54.86%
EPS Growth (3Y CAGR)23.50%-13.07%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Globe Life (GL) in Insurance and Unum (UNM) 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 Unum (UNM) 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

Financial strength metrics for Globe Life (GL) and Unum (UNM)
MetricGLUNM
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Unum (UNM) at 2.61% delivers top-quartile income for its industry, while Globe Life (GL) at 0.79% pays a more typical yield — both are credible income propositions, UNM the richer one.

GL

Insurance industry group

0.79%

Max
5.12%
Q3
2.15%
Median
0.98%
GL
0.79%
Q1
0.00%
Min
0.00%

UNM

Insurance industry group

2.61%

Max
5.12%
UNM
2.61%
Q3
2.15%
Median
0.98%
Q1
0.00%
Min
0.00%
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Globe Life (GL) vs. Unum (UNM): A comparison of their dividend yield against the Insurance industry group benchmark.

Dividend Payout Ratio (TTM)

Unum (UNM) reports payout ratio above 100% at 128.23%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile Globe Life (GL) reports 8.43%, ranking against industry peers normally.

GL

Insurance industry group

8.43%

Max
76.67%
Q3
35.18%
Median
14.74%
GL
8.43%
Q1
0.00%
Min
0.00%

UNM

Insurance industry group

128.23%

UNM
128.23%
Max
76.67%
Q3
35.18%
Median
14.74%
Q1
0.00%
Min
0.00%
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Globe Life (GL) vs. Unum (UNM): A comparison of their payout ratio against the Insurance industry group benchmark.

Dividend Metrics

Dividend metrics for Globe Life (GL) and Unum (UNM)
MetricGLUNM
Dividend Yield (TTM)0.79%2.61%
Dividend Payout Ratio (TTM)8.43%128.23%

Valuation

P/E Ratio (TTM)

Globe Life (GL) at 10.52 is near its industry’s usual P/E ratio, while Unum (UNM) at 52.21 sits above its peer range — an unusually expensive price for UNM’s trailing earnings.

GL

Insurance industry group

10.52

Max
28.37
Q3
18.75
Median
12.23
GL
10.52
Q1
9.08
Min
2.32

UNM

Insurance industry group

52.21

UNM
52.21
Max
28.37
Q3
18.75
Median
12.23
Q1
9.08
Min
2.32
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Globe Life (GL) vs. Unum (UNM): A comparison of their P/E ratio against the Insurance industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both Globe Life (GL) at 1.89 and Unum (UNM) at 0.95 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

UNM

Insurance industry group

0.95

Max
4.03
Q3
2.25
Median
1.23
UNM
0.95
Q1
0.85
Min
0.07
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Globe Life (GL) vs. Unum (UNM): A comparison of their P/S ratio against the Insurance industry group benchmark.

P/B Ratio (MRQ)

Unum (UNM) at 1.11 sits in the lower P/B ratio quartile against book while Globe Life (GL) at 1.81 is valued near its industry’s middle — UNM 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

UNM

Insurance industry group

1.11

Max
5.07
Q3
2.79
Median
1.76
Q1
1.23
UNM
1.11
Min
0.30
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Globe Life (GL) vs. Unum (UNM): A comparison of their P/B ratio against the Insurance industry group benchmark.

Valuation Metrics

Valuation metrics for Globe Life (GL) and Unum (UNM)
MetricGLUNM
P/E Ratio (TTM)10.5252.21
P/S Ratio (TTM)1.890.95
P/B Ratio (MRQ)1.811.11
Free Cash Flow Yield (TTM)----