Analysis for GL
- 📈 Growth — 26/30
- 💰 Profitability — 16/20
- 🏦 Financial Health — 16/20
- 💵 Valuation — 14/20
- ⚠️ Risk — 4/10
Summary:
📈 Growth & Financial Trajectory
Across 8 quarters, Revenues rose from about $1.46B (2024 Q3) to about $1.60B (2026 Q2), a cumulative gain near 9%. Net income (to parent) moved from roughly $255M in 2024 Q3 to about $288M in 2026 Q2, despite quarterly volatility (notably a spike in 2024 Q4). The trend shows durable top-line growth with improving scale and earnings power toward the latest quarter.
💰 Margins & Cash Flow
Gross margin traced to the mid-20s percent; for example, Q4 2025 shows gross_profit around $379.15M on $1.466B in revenues (~26%). Operating cash flow remained robust, with quarterly cash from operating activities typically in the $300M–$430M range; Q1 2026 was about $421M, Q2 2026 about $314M, and similar levels seen in other periods. Investing outflows are meaningful, but operating cash generation supports steady liquidity; free cash flow remains positive though variability exists due to investing activity.
🛡️ Balance Sheet & Liquidity
Assets run roughly $29.8B–$31.6B, with Liabilities around $24.3B–$25.4B and Equity in the $5.9B–$6.2B range. The liabilities base is substantial but comfortably offset by a solid equity cushion, yielding current ratios near 1.2–1.3 in several periods. This profile supports ongoing solvency and liquidity for operations and capital needs.
⚠️ Key Drivers & Risks
- Drivers: Demand for life/annuity products and stable policyholder cash flows; favorable pricing/mix aiding resilience.
- Risks: Interest-rate sensitivity and regulatory environment; valuation sensitivity to rate shifts and capital requirements.