Citizens vs Globe Life
Globe Life is the larger business, with $5.99bn of revenue in fiscal 2025 against $256m for Citizens (23.5 times as much). Citizens grew faster (4.3% against 3.7%). Globe Life kept more of each dollar of sales as profit: a net margin of 19.4% against 5.7%. Citizens carries less debt relative to equity (0.0% against 43.9%).
| Latest fiscal year | CitizensCIA, 2025 | Globe LifeGL, 2025 |
|---|---|---|
| Revenue | $256m | $5.99bn |
| Revenue growth | 4.3% | 3.7% |
| Net income | $14.6m | $1.16bn |
| Operating margin | — | — |
| Net margin | 5.7% | 19.4% |
| Return on equity | 6.6% | 20.6% |
| Free cash flow | $17.5m | $1.25bn |
| Cash | $23.0m | $145m |
| Total debt | $0 | $2.63bn |
| Debt to equity | 0.0% | 43.9% |
| Dividend per share | — | $1.08 |
| Dividend yield | — | 0.6% |
| Share buybacks | — | $881m |
| Employees | — | 3,695 |
| Market value | $193m | $14.59bn |
| Price vs our value range | — | — |
| Moat score | — | 88 (Strong) |
| Insider trades, 12 months | 8 buys, 0 sales | 0 buys, 81 sales |