Globe Life vs Unum
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KIRA’s take AI analyst
I put Globe Life and Unum side by side, using each one’s latest annual report. Here is what stands out:
- Unum is the larger business, with $13.1B of revenue in fiscal 2025 against $6.0B for Globe Life, about 2.2 times as much.
- Globe Life grew revenue faster (3.7%, against 1.5%).
- Globe Life turned more of its sales into free cash flow (20.9% FCF margin, against 4.3%).
- Globe Life earned a higher return on the capital invested in it (16.0%, against 7.6%).
- Investors pay more for each dollar of Unum’s earnings: a P/E of 21.0x against 10.4x for Globe Life.
Who comes out ahead
Of the 8 measures where higher (or lower) is clearly better, how many each company leads.
Globe Life
GL
6/8
Revenue growth5-year growthNet marginFCF marginReturn on capitalReturn on equity
Unum
UNM
2/8
Net debt / EBITDAShare count change
Side by side
Best in the row
| Latest fiscal year | GL FY25 | UNM FY25 |
|---|---|---|
| Size | ||
| Market cap | $12.4B | $14.4B |
| Revenue | $6.0B | $13.1B |
| Free cash flow | $1.3B | $555M |
| Net income | $1.2B | $739M |
| Growth | ||
| Revenue growth | 3.7% | 1.5% |
| 5-year growth | 4.8% | −0.1% |
| Share count change | −8.0% | −8.1% |
| Profitability | ||
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 19.4% | 5.7% |
| FCF margin | 20.9% | 4.3% |
| Return on capital | 16.0% | 7.6% |
| Return on equity | 20.6% | 6.7% |
| Balance sheet | ||
| Net debt | $2.2B | $593M |
| Net debt / EBITDA | 1.4x | 0.5x |
| Dividends and buybacks | $967M | $1.3B |
| Valuation & quality | ||
| P/E | 10.4x | 21.0x |
| Piotroski F-score | — | — |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.