Globe Life Inc. (GL) vs Genworth Financial, Inc. (GNW)

Globe Life Inc. and Genworth Financial, Inc. are both Insurance Life companies. Globe Life Inc. is the larger, with a market value of $12.2B against $3.4B — 3.6× the size. Globe Life Inc. trades at the lower P/E: 10.4× against 68.8×. Globe Life Inc. grew revenue faster over the last twelve months: 5.62% against −0.59%. Globe Life Inc. has the higher net margin (18.9% vs 0.76%) and the lower return on invested capital (0.00% vs 2.38%). Across the 20 metrics below, Genworth Financial, Inc. leads on 11 and Globe Life Inc. on 9.

Valuation

Metric GL GNW Insurance Life median
P/E 10.44 68.77 11.34
P/S 1.94 0.46 0.81
P/B 1.98 0.35 1.08
Price to free cash flow 9.89 7.58 7.43
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.58% 1.45% 8.82%
Free cash flow yield 10.12% 13.20% 13.20%

Profitability

Metric GL GNW Insurance Life median
Gross margin 40.64% 27.05% 30.01%
Operating margin 25.54% 4.67% 8.83%
Net margin 18.89% 0.76% 9.93%
Free cash flow margin 0.00% 6.11% 15.40%
Return on equity 0.00% 0.57% 8.47%
Return on assets 0.00% 0.06% 0.50%
Return on invested capital 0.00% 2.38% 7.11%

Growth

Metric GL GNW Insurance Life median
Revenue growth (TTM) 5.62% (0.59%) 4.80%
EPS growth (last fiscal year) 17.84% (20.59%) (3.45%)
Revenue growth, 5-year CAGR 4.82% (2.49%) 1.33%
Net income growth, 5-year CAGR 9.68% 4.61% 0.00%

Health

Metric GL GNW Insurance Life median
Debt to equity 0.48 0.15 0.48
Current ratio 0.05 0.28 0.21
Net debt to EBITDA 1.23 (0.83) 0.12

Dividend

Metric GL GNW Insurance Life median
Dividend yield 0.79% — 2.28%
Payout ratio 0.08 — 0.28

Size

Metric GL GNW Insurance Life median
Market cap 12.24b 3.37b 7.96b

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