GL
GL
Sep 30, 2023
Quarter ended Sep 30, 2023 · FY2023 Q3

Globe Life Inc. stock research

Globe Life (GL) Free Cash Flow — Quarter Ended Sep 30, 2023

Revenue increased while operating cash flow and free cash flow declined, leading to a lower free cash flow margin. Cash conversion efficiency weakened compared to both the prior quarter and the same quarter a year earlier.

Free cash flow takeaway

A quick read on the company's cash generation and what it means for investors.

Revenue increased while operating cash flow and free cash flow declined, leading to a lower free cash flow margin. Cash conversion efficiency weakened compared to both the prior quarter and the same quarter a year earlier.

  • Revenue was higher, but operating cash flow was lower, and capital expenditure was also lower than the prior quarter. The resulting free cash flow declined, and the free cash flow margin contracted from the prior quarter and the year-ago quarter.
  • Compared to the prior quarter, revenue was higher but operating cash flow, free cash flow, and free cash flow margin were all lower. Versus the same quarter a year ago, revenue was higher while operating cash flow, free cash flow, and margin were again lower.

FCF snapshot

Quarterly and TTM cash-flow metrics with the minimum valuation context.

TTM free cash flow

$1.4B

Trailing twelve-month free cash flow.

Quarter free cash flow

$276.1M

Free cash flow in the selected fiscal quarter.

Operating cash flow

$286.9M

Cash generated by operations before capital spending.

CapEx

$10.8M

Capital spending and related asset purchases.

FCF margin

19.9%

The share of revenue converted into free cash flow.

Cash flow trend

A short quarterly history shows whether FCF is scaling with revenue or only spiking for one period.

PeriodRevenueOperating CFCapExFCFFCF margin
2022-12-31$1.3B$371.8M$8.2M$363.6M27.2%
2023-03-31$1.3B$477.3M$8.2M$469.1M35.5%
2023-06-30$1.3B$326.8M$17.4M$309.4M23.3%
2023-09-30$1.4B$286.9M$10.8M$276.1M19.9%

Cash conversion quality

Checks that separate high-quality free cash flow from accounting noise or working-capital timing.

FCF / net income107.4%Shows whether accounting earnings convert into cash.
CapEx / revenue0.8%Lower capital intensity usually supports FCF margin.
Net cashn/aCash and equivalents minus total debt.

Recent events shaping cash flow

Near-term business events that help explain the free cash flow result.

Watch

Operating Cash Flow Decline

Operating cash flow decreased from the prior quarter and from the same quarter a year earlier, even though revenue was higher. This decline was the primary factor behind the lower free cash flow and margin.

The reduction in operating cash flow directly weakened free cash flow generation and compressed the free cash flow margin.

What the cash flow says

How to interpret the company's free cash flow beyond the headline number.

Revenue was higher, but operating cash flow was lower, and capital expenditure was also lower than the prior quarter. The resulting free cash flow declined, and the free cash flow margin contracted from the prior quarter and the year-ago quarter.

Compared to the prior quarter, revenue was higher but operating cash flow, free cash flow, and free cash flow margin were all lower. Versus the same quarter a year ago, revenue was higher while operating cash flow, free cash flow, and margin were again lower.

Monitor the trend in operating cash flow given its decline relative to both the prior quarter and the year-ago period.