GL
GL
Dec 31, 2025
Quarter ended Dec 31, 2025 · FY2025 Q4

Globe Life Inc. stock research

Globe Life (GL) Free Cash Flow — Quarter Ended Dec 31, 2025

Free cash flow improved sharply from the prior quarter and rose slightly from a year ago, driven by stronger operating cash flow and reduced capital spending. The free cash flow margin strengthened sequentially and remained broadly stable year over year.

Free cash flow takeaway

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

Free cash flow improved sharply from the prior quarter and rose slightly from a year ago, driven by stronger operating cash flow and reduced capital spending. The free cash flow margin strengthened sequentially and remained broadly stable year over year.

  • The ratio of operating cash flow to revenue improved from the previous quarter, enhancing the conversion of revenue into free cash flow. Capital expenditure as a share of operating cash flow declined sequentially, supporting free cash flow generation.
  • Compared to the prior quarter, free cash flow and margin both strengthened notably. Versus the same quarter a year earlier, free cash flow increased modestly and margin held steady.

FCF snapshot

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

TTM free cash flow

$1.3B

Trailing twelve-month free cash flow.

Quarter free cash flow

$330.1M

Free cash flow in the selected fiscal quarter.

Operating cash flow

$350.6M

Cash generated by operations before capital spending.

CapEx

$20.5M

Capital spending and related asset purchases.

FCF margin

21.7%

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
2025-03-31$1.5B$431.9M$11.7M$420.1M28.4%
2025-06-30$1.5B$307.9M$12.9M$295.0M19.9%
2025-09-30$1.5B$306.0M$97.3M$208.7M13.8%
2025-12-31$1.5B$350.6M$20.5M$330.1M21.7%

Cash conversion quality

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

FCF / net income124.1%Shows whether accounting earnings convert into cash.
CapEx / revenue1.3%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.

Supportive

Operating cash flow improvement

The primary driver of free cash flow growth was operating cash flow, which increased from both the preceding quarter and the year-ago quarter, despite stable revenue. This, together with reduced capital expenditure compared to the prior quarter, lifted free cash flow.

The free cash flow margin improved sequentially and was broadly in line with the year-ago level.

What the cash flow says

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

The ratio of operating cash flow to revenue improved from the previous quarter, enhancing the conversion of revenue into free cash flow. Capital expenditure as a share of operating cash flow declined sequentially, supporting free cash flow generation.

Compared to the prior quarter, free cash flow and margin both strengthened notably. Versus the same quarter a year earlier, free cash flow increased modestly and margin held steady.

Monitor capital expenditure trends, as they varied sharply between the sequential decline and the year-over-year increase.