What is Global Indemnity Group Llc's earnings per share (EPS)?

Global Indemnity Group Llc (GBLI) reported diluted earnings per share of $1.75 for fiscal year 2025. This represents a -43.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Global Indemnity Group Llc Financials

GBLI

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Global Indemnity Group Llc (GBLI) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI GBLI FY2025 2026-05-05

Profitability improved faster than revenue, but cash conversion deteriorated sharply in FY2025 despite a gradually lighter liability load.

From FY2023 to FY2025, revenue stayed near $450M and net income stayed positive, but operating cash flow fell from $42.9M to $9.1M while net income was still $25.3M. That widening profit-to-cash gap means the latest earnings were far less cash-backed than the prior two years, pointing to balance-sheet timing effects rather than a simple deterioration in reported margin.

The earnings rebound after FY2022 did not come from scale: revenue moved down from $628.5M in FY2022 to $441.2M in FY2024, yet net margin improved from -0.1% to 9.8% as interest expense fell from $3.0M to $0. That pattern suggests lower financing drag, not top-line expansion, was a major part of the profit recovery.

FY2025 liquidity depended more on investing inflows than on the operating engine: cash rose to $65.5M even though operating cash flow was only $9.1M and dividends paid were $20.0M, because investing cash flow added $59.9M. Meanwhile, total liabilities eased to $1.01B against equity of $706.6M, so the balance sheet kept getting less burdened even as internally generated cash weakened.

Financial Health Signals

Financial Profile 19/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Global Indemnity Group Llc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Global Indemnity Group Llc's revenue grew a modest 2.0% year-over-year to $450.1M. This slow but positive growth earns a score of 21/100.

Leverage

Global Indemnity Group Llc carries a low D/E ratio of 1.44, meaning only $1.44 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 73/100, indicating a strong balance sheet with room for future borrowing.

Returns

Global Indemnity Group Llc generates a 3.6% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 21/100. This is down from 6.3% the prior year.

Piotroski F-Score Weak

3/9

Global Indemnity Group Llc passes 3 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Low Quality

0.36x

For every $1 of reported earnings, Global Indemnity Group Llc generates $0.36 in operating cash flow ($9.1M OCF vs $25.3M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$450.1M

YoY+2.0%

5Y CAGR-5.1%

10Y CAGR-1.8%

Global Indemnity Group Llc generated $450.1M in revenue in fiscal year 2025. This represents an increase of 2.0% from the prior year.

EBITDA

N/A

Net Income

$25.3M

YoY-41.4%

10Y CAGR-4.8%

Global Indemnity Group Llc reported $25.3M in net income in fiscal year 2025. This represents a decrease of 41.4% from the prior year.

EPS (Diluted)

$1.75

YoY-43.9%

10Y CAGR+0.3%

Global Indemnity Group Llc earned $1.75 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 43.9% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$65.5M

YoY+285.3%

5Y CAGR-0.5%

10Y CAGR-0.2%

Global Indemnity Group Llc held $65.5M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.40

YoY+0.0%

5Y CAGR+7.0%

Global Indemnity Group Llc paid $1.40 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

5.6%

YoY-4.2pp

5Y CAGR+9.2pp

10Y CAGR-2.1pp

Global Indemnity Group Llc's net profit margin was 5.6% in fiscal year 2025, showing the share of revenue converted to profit. This is down 4.2 percentage points from the prior year.

Return on Equity

3.6%

YoY-2.7pp

5Y CAGR+6.5pp

10Y CAGR-1.9pp

Global Indemnity Group Llc's ROE was 3.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.7 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

YoY-100.0%

Global Indemnity Group Llc spent $0 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 100.0% from the prior year.

Capital Expenditures

N/A

GBLI Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$450.1M+2.0%	$441.2M-16.5%	$528.1M-16.0%	$628.5M-7.3%	$678.3M+16.2%	$583.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	$0	$0-100.0%	$3.0M-71.3%	$10.5M-33.6%	$15.8M
Income Tax	$8.0M-32.0%	$11.7M+55.2%	$7.5M+167.5%	$2.8M-18.2%	$3.4M+142.6%	-$8.1M
Net Income	$25.3M-41.4%	$43.2M+70.0%	$25.4M+3091.6%	-$850K-102.9%	$29.4M+239.7%	-$21.0M
EPS (Diluted)	$1.75-43.9%	$3.12+70.5%	$1.83+2133.3%	$-0.09-104.6%	$1.97+233.1%	$-1.48

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$109.2M-6.5%	$116.7M+2.2%	$114.2M+3.3%	$110.5M+1.7%	$108.7M+0.2%	$108.4M-3.0%	$111.8M+2.8%	$108.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	$0-100.0%	$17K
Income Tax	$1.3M-53.8%	$2.7M-22.5%	$3.5M+27.1%	$2.8M+352.0%	-$1.1M-135.5%	$3.1M-0.5%	$3.1M+21.1%	$2.6M
Net Income	$4.2M-34.2%	$6.5M-48.5%	$12.5M+21.1%	$10.3M+359.3%	-$4.0M-144.2%	$9.0M-29.3%	$12.8M+26.4%	$10.1M
EPS (Diluted)	$0.29	N/A	$0.86+21.1%	$0.71+336.7%	$-0.30	N/A	$0.92+26.0%	$0.73

GBLI Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.7B-0.6%	$1.7B+0.1%	$1.7B-4.0%	$1.8B-10.5%	$2.0B+5.7%	$1.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$65.5M+285.3%	$17.0M-55.3%	$38.0M-2.1%	$38.8M-50.4%	$78.3M+16.2%	$67.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$4.8M0.0%	$4.8M0.0%	$4.8M0.0%	$4.8M-10.7%	$5.4M-17.2%	$6.5M
Total Liabilities	$1.0B-2.7%	$1.0B-3.6%	$1.1B-8.0%	$1.2B-10.1%	$1.3B+10.1%	$1.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	$0-100.0%	$126.4M+0.1%	$126.3M
Total Equity	$706.6M+2.5%	$689.1M+6.2%	$648.8M+3.6%	$626.2M-11.4%	$706.6M-1.6%	$718.3M
Retained Earnings	$273.6M+1.8%	$268.7M+9.7%	$245.0M+4.9%	$233.5M-6.4%	$249.3M+6.1%	$235.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$1.7B-2.4%	$1.7B-0.8%	$1.7B+0.8%	$1.7B+0.4%	$1.7B-1.0%	$1.7B-1.7%	$1.8B+1.3%	$1.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$34.8M-46.9%	$65.5M-13.0%	$75.4M+11.9%	$67.3M-17.0%	$81.1M+377.1%	$17.0M-45.2%	$31.0M-33.6%	$46.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$4.8M0.0%	$4.8M0.0%	$4.8M0.0%	$4.8M0.0%	$4.8M0.0%	$4.8M0.0%	$4.8M0.0%	$4.8M
Total Liabilities	$976.0M-3.8%	$1.0B-1.5%	$1.0B+0.5%	$1.0B-0.1%	$1.0B-1.5%	$1.0B-3.0%	$1.1B+0.3%	$1.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$704.1M-0.4%	$706.6M+0.3%	$704.1M+1.3%	$695.3M+1.2%	$687.1M-0.3%	$689.1M+0.4%	$686.7M+2.9%	$667.5M
Retained Earnings	$272.7M-0.3%	$273.6M+0.5%	$272.2M+2.8%	$264.8M+2.0%	$259.6M-3.4%	$268.7M+1.6%	$264.6M+3.1%	$256.7M

GBLI Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$9.1M-76.7%	$38.8M-9.4%	$42.9M-3.1%	$44.2M-51.3%	$90.8M+177.9%	$32.7M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$59.9M+251.7%	-$39.5M-141.9%	-$16.3M-120.4%	$80.1M+224.2%	-$64.5M-137.0%	$174.6M
Financing Cash Flow	-$20.4M-0.4%	-$20.4M+25.6%	-$27.4M+83.3%	-$163.8M-966.3%	-$15.4M+91.7%	-$184.2M
Dividends Paid	$20.0M+3.2%	$19.4M+36.1%	$14.2M-0.8%	$14.4M-0.5%	$14.4M+1.3%	$14.3M
Share Buybacks	$0-100.0%	$529K-95.8%	$12.7M-43.2%	$22.3M+4458.2%	$490K+220.3%	$153K

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	-$17.9M-196.4%	-$6.0M-205.8%	$5.7M-18.7%	$7.0M+192.1%	$2.4M+117.9%	-$13.4M-187.6%	$15.3M+7.4%	$14.3M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$7.7M-221.7%	$6.3M+160.7%	$2.4M+115.5%	-$15.7M-123.5%	$66.8M+635.5%	$9.1M+129.4%	-$30.9M-4135.3%	-$730K
Financing Cash Flow	-$5.1M+49.3%	-$10.1M-9106.4%	-$110K+97.8%	-$5.1M-0.1%	-$5.1M+47.3%	-$9.7M-8702.7%	-$110K+98.1%	-$5.7M
Dividends Paid	$5.0M-49.9%	$10.0M	$0-100.0%	$5.0M+0.1%	$5.0M-47.9%	$9.6M	$0-100.0%	$5.0M
Share Buybacks	N/A	$0	N/A	N/A	N/A	$0	$0-100.0%	$529K

GBLI Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	5.6%-4.2pp	9.8%+5.0pp	4.8%+4.9pp	-0.1%-4.5pp	4.3%+7.9pp	-3.6%
Return on Equity	3.6%-2.7pp	6.3%+2.4pp	3.9%+4.1pp	-0.1%-4.3pp	4.2%+7.1pp	-2.9%
Return on Assets	1.5%-1.0pp	2.5%+1.0pp	1.5%+1.5pp	-0.1%-1.5pp	1.5%+2.6pp	-1.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.44-0.1	1.51-0.2	1.67+1.7	0.00-0.2	0.180.0	0.18
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	3.9%-1.6pp	5.5%-5.4pp	11.0%+1.6pp	9.4%+13.0pp	-3.7%-12.0pp	8.3%-3.1pp	11.4%+2.1pp	9.3%
Return on Equity	0.6%-0.3pp	0.9%-0.9pp	1.8%+0.3pp	1.5%+2.1pp	-0.6%-1.9pp	1.3%-0.5pp	1.9%+0.3pp	1.5%
Return on Assets	0.3%-0.1pp	0.4%-0.3pp	0.7%+0.1pp	0.6%+0.8pp	-0.2%-0.8pp	0.5%-0.2pp	0.7%+0.1pp	0.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	1.39-0.0	1.44-0.0	1.46-0.0	1.47-0.0	1.49-0.0	1.51-0.1	1.56-0.0	1.60
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Similar Companies

American Coastal Insurance ACIC

$525.8M

Universal Ins Hldgs Inc UVE

$1.1B

Donegal Group DGICA

$632.8M

Donegal Group Inc DGICB

$710.2M

United Fire Group Inc UFCS

$1.2B

Frequently Asked Questions

What is Global Indemnity Group Llc's annual revenue?

Global Indemnity Group Llc (GBLI) reported $450.1M in total revenue for fiscal year 2025. This represents a 2.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Global Indemnity Group Llc's revenue growing?

Global Indemnity Group Llc (GBLI) revenue grew by 2% year-over-year, from $441.2M to $450.1M in fiscal year 2025.

Is Global Indemnity Group Llc profitable?

Yes, Global Indemnity Group Llc (GBLI) reported a net income of $25.3M in fiscal year 2025, with a net profit margin of 5.6%.

What is Global Indemnity Group Llc's net profit margin?

Global Indemnity Group Llc (GBLI) had a net profit margin of 5.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Global Indemnity Group Llc pay dividends?

Yes, Global Indemnity Group Llc (GBLI) paid $1.40 per share in dividends during fiscal year 2025.

What is Global Indemnity Group Llc's return on equity (ROE)?

Global Indemnity Group Llc (GBLI) has a return on equity of 3.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Global Indemnity Group Llc's operating cash flow?

Global Indemnity Group Llc (GBLI) generated $9.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Global Indemnity Group Llc's total assets?

Global Indemnity Group Llc (GBLI) had $1.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What is Global Indemnity Group Llc's debt-to-equity ratio?

Global Indemnity Group Llc (GBLI) had a debt-to-equity ratio of 1.44 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Global Indemnity Group Llc's return on assets (ROA)?

Global Indemnity Group Llc (GBLI) had a return on assets of 1.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Global Indemnity Group Llc's Piotroski F-Score?

Global Indemnity Group Llc (GBLI) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Global Indemnity Group Llc's earnings high quality?

Global Indemnity Group Llc (GBLI) has an earnings quality ratio of 0.36x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Global Indemnity Group Llc?

Global Indemnity Group Llc (GBLI) scores 19 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.