(GL) Globe Life - Ratings and Ratios
Life, Health, Annuity
EPS (Earnings per Share)
Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 22.7% |
| Value at Risk 5%th | 35.2% |
| Relative Tail Risk | -6.00% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.68 |
| Alpha | 9.78 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.657 |
| Beta | 0.717 |
| Beta Downside | 0.906 |
| Drawdowns 3y | |
|---|---|
| Max DD | 61.62% |
| Mean DD | 11.09% |
| Median DD | 9.05% |
Description: GL Globe Life October 31, 2025
Globe Life Inc. (NYSE:GL) markets life and supplemental health insurance, plus annuity products, primarily to lower-middle- and middle-income families in the United States. The business is organized into three segments-Life Insurance, Supplemental Health Insurance, and Investments-and distributes its offerings through a direct-to-consumer channel, exclusive agency network, and independent agents. The company, originally founded in 1900 as Torchmark Corp., rebranded to Globe Life in August 2019 and is headquartered in McKinney, Texas.
As of the 2023 fiscal year, Globe Life reported $5.6 billion in net written premiums, a combined ratio of 94.5 % in its life-insurance segment, and a return on equity (ROE) of 12.3 %, indicating solid underwriting profitability. The firm’s investment portfolio generated $310 million of net investment income, reflecting the benefit of a higher-yielding interest-rate environment. Key sector drivers include the aging U.S. population-projected to push Medicare-eligible enrollment above 80 million by 2030-and the sensitivity of life-insurance carriers to interest-rate shifts, which affect both product pricing and the valuation of fixed-income assets.
For a deeper quantitative view, consider exploring ValueRay’s analyst dashboards to see how Globe Life’s valuation metrics compare to peers and to broader market expectations.
GL Stock Overview
| Market Cap in USD | 10,680m |
| Sub-Industry | Life & Health Insurance |
| IPO / Inception | 1987-12-30 |
| Return 12m vs S&P 500 | 8.07% |
| Analyst Rating | 3.90 of 5 |
GL Dividends
| Metric | Value |
|---|---|
| Dividend Yield | 1.01% |
| Yield on Cost 5y | 1.45% |
| Yield CAGR 5y | 6.41% |
| Payout Consistency | 92.6% |
| Payout Ratio | 7.4% |
GL Growth Ratios
| Metric | Value |
|---|---|
| CAGR 3y | 4.51% |
| CAGR/Max DD Calmar Ratio | 0.07 |
| CAGR/Mean DD Pain Ratio | 0.41 |
| Current Volume | 299.9k |
| Average Volume | 583.8k |
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (1.15b TTM) > 0 and > 6% of Revenue (6% = 356.5m TTM) |
| FCFTA 0.04 (>2.0%) and ΔFCFTA -0.61pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 11.79% (prev 7.85%; Δ 3.94pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.05 (>3.0%) and CFO 1.38b > Net Income 1.15b (YES >=105%, WARN >=100%) |
| Net Debt (2.41b) to EBITDA (1.56b) ratio: 1.55 <= 3.0 (WARN <= 3.5) |
| Current Ratio 2.78 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (82.0m) change vs 12m ago -6.89% (target <= -2.0% for YES) |
| Gross Margin 33.81% (prev 81.20%; Δ -47.39pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 19.78% (prev 19.38%; Δ 0.40pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 10.01 (EBITDA TTM 1.56b / Interest Expense TTM 141.7m) >= 6 (WARN >= 3) |
Altman Z'' 1.70
| (A) 0.02 = (Total Current Assets 1.09b - Total Current Liabilities 394.3m) / Total Assets 30.53b |
| (B) 0.29 = Retained Earnings (Balance) 8.81b / Total Assets 30.53b |
| (C) 0.05 = EBIT TTM 1.42b / Avg Total Assets 30.04b |
| (D) 0.28 = Book Value of Equity 6.94b / Total Liabilities 24.84b |
| Total Rating: 1.70 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 75.04
| 1. Piotroski 6.0pt |
| 2. FCF Yield -26.13% |
| 3. FCF Margin 20.97% |
| 4. Debt/Equity 0.48 |
| 5. Debt/Ebitda 1.55 |
| 6. ROIC - WACC (= 6.91)% |
| 7. RoE 21.07% |
| 8. Rev. Trend 77.34% |
| 9. EPS Trend 86.95% |
What is the price of GL shares?
Over the past week, the price has changed by -2.10%, over one month by -3.74%, over three months by -6.09% and over the past year by +20.88%.
Is GL a buy, sell or hold?
- Strong Buy: 3
- Buy: 3
- Hold: 4
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the GL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 166.3 | 27.5% |
| Analysts Target Price | 166.3 | 27.5% |
| ValueRay Target Price | 132.3 | 1.5% |
GL Fundamental Data Overview November 20, 2025
P/E Trailing = 9.5405
P/E Forward = 10.4384
P/S = 1.7977
P/B = 1.8391
Beta = 0.481
Revenue TTM = 5.94b USD
EBIT TTM = 1.42b USD
EBITDA TTM = 1.56b USD
Long Term Debt = 2.32b USD (from longTermDebt, last quarter)
Short Term Debt = 394.3m USD (from shortTermDebt, last quarter)
Debt = 2.71b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.41b USD (from netDebt column, last quarter)
Enterprise Value = -4.77b USD (10.68b + Debt 2.71b - CCE 18.16b)
Interest Coverage Ratio = 10.01 (Ebit TTM 1.42b / Interest Expense TTM 141.7m)
FCF Yield = -26.13% (FCF TTM 1.25b / Enterprise Value -4.77b)
FCF Margin = 20.97% (FCF TTM 1.25b / Revenue TTM 5.94b)
Net Margin = 19.36% (Net Income TTM 1.15b / Revenue TTM 5.94b)
Gross Margin = 33.81% ((Revenue TTM 5.94b - Cost of Revenue TTM 3.93b) / Revenue TTM)
Gross Margin QoQ = 41.30% (prev 30.82%)
Tobins Q-Ratio = -0.16 (set to none) (Enterprise Value -4.77b / Total Assets 30.53b)
Interest Expense / Debt = 1.33% (Interest Expense 36.1m / Debt 2.71b)
Taxrate = 18.71% (89.3m / 477.1m)
NOPAT = 1.15b (EBIT 1.42b * (1 - 18.71%))
Current Ratio = 2.78 (Total Current Assets 1.09b / Total Current Liabilities 394.3m)
Debt / Equity = 0.48 (Debt 2.71b / totalStockholderEquity, last quarter 5.69b)
Debt / EBITDA = 1.55 (Net Debt 2.41b / EBITDA 1.56b)
Debt / FCF = 1.94 (Net Debt 2.41b / FCF TTM 1.25b)
Total Stockholder Equity = 5.46b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.77% (Net Income 1.15b / Total Assets 30.53b)
RoE = 21.07% (Net Income TTM 1.15b / Total Stockholder Equity 5.46b)
RoCE = 18.24% (EBIT 1.42b / Capital Employed (Equity 5.46b + L.T.Debt 2.32b))
RoIC = 14.03% (NOPAT 1.15b / Invested Capital 8.22b)
WACC = 7.12% (E(10.68b)/V(13.39b) * Re(8.66%) + D(2.71b)/V(13.39b) * Rd(1.33%) * (1-Tc(0.19)))
Discount Rate = 8.66% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -7.31%
[DCF Debug] Terminal Value 76.10% ; FCFE base≈1.30b ; Y1≈1.31b ; Y5≈1.39b
Fair Price DCF = 275.7 (DCF Value 21.95b / Shares Outstanding 79.6m; 5y FCF grow -0.34% → 3.0% )
EPS Correlation: 86.95 | EPS CAGR: 32.04% | SUE: 1.78 | # QB: 1
Revenue Correlation: 77.34 | Revenue CAGR: 5.01% | SUE: -0.52 | # QB: 0
Additional Sources for GL Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle