(GL) Globe Life - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US37959E1029

Life Insurance, Supplemental Health, Annuities

Stock: Life & Health Insurance
Age 38.1y

MCap 11,497m
Avg Vol 502K (70.3M USD)

Beta 0.728
Volatility 22.83%

EPS (Earnings per Share)

EPS CAGR: -40.91%
EPS Trend: 1.3%

Last SUE: -4.00
Qual. Beats: 0

Revenue

Rev. CAGR: 4.19%
Rev. Trend: 75.3%

Last SUE: -0.52
Qual. Beats: 0

Dividends

Dividend Yield	1.04%
Yield on Cost 5y	1.16%
Yield CAGR 5y	7.65%
Payout Consistency	91.2%
Payout Ratio	7.6%

Risk via 5d forecast
Volatility	22.8%
Value at Risk 5%th	35.2%
Relative Tail Risk	-6.19%

Reward TTM
Sharpe Ratio	0.67
Alpha	6.34
CAGR/Max DD	0.11

Character TTM
Hurst Exponent	0.538
Beta	0.728
Beta Downside	0.897

Drawdowns 3y
Max DD	61.62%
Mean DD	11.15%
Median DD	8.97%

Description: GL Globe Life January 04, 2026

Globe Life Inc. (NYSE:GL) markets life and supplemental health insurance, plus annuities, primarily to lower-middle- and middle-income U.S. households. The business is organized into three segments-Life Insurance, Supplemental Health Insurance, and Investments-and distributes products via a direct-to-consumer channel, exclusive agency network, and independent agents. The firm, originally Torchmark Corp., rebranded to Globe Life in August 2019 and is headquartered in McKinney, Texas.

Key operating metrics from the most recent filing show 2023 net written premiums of roughly $5.3 billion and a combined ratio near 92%, indicating underwriting profitability despite a low-interest-rate environment that compresses investment income. The company’s return on equity hovered around 6%, while the aging U.S. population and expanding Medicare-eligible cohort continue to boost demand for supplemental health products such as critical-illness and accident coverage.

For a deeper, data-driven look at Globe Life’s valuation and peer benchmarks, consider exploring the analytical tools available on ValueRay.

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 36.53%; Δ -2.72pp) >=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

(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) 70.56

1. Piotroski 6.0pt

2. FCF Yield -31.53%

3. FCF Margin 20.97%

4. Debt/Equity 0.48

5. Debt/Ebitda 1.55

6. ROIC - WACC (= 6.87)%

7. RoE 21.07%

8. Rev. Trend 75.33%

9. EPS Trend 1.29%

What is the price of GL shares?

As of January 19, 2026, the stock is trading at USD 138.97 with a total of 410,391 shares traded.
Over the past week, the price has changed by -2.73%, over one month by +0.51%, over three months by +2.81% and over the past year by +17.20%.

Is GL a buy, sell or hold?

Globe Life has received a consensus analysts rating of 3.90. Therefore, it is recommended to buy GL.

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	168.7	21.4%
Analysts Target Price	168.7	21.4%
ValueRay Target Price	148.6	6.9%

GL Fundamental Data Overview January 14, 2026

P/E Trailing = 10.2997
P/E Forward = 10.4384
P/S = 1.9352
P/B = 1.9991
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 = -3.95b USD (11.50b + Debt 2.71b - CCE 18.16b)
Interest Coverage Ratio = 10.01 (Ebit TTM 1.42b / Interest Expense TTM 141.7m)
EV/FCF = -3.17x (Enterprise Value -3.95b / FCF TTM 1.25b)
FCF Yield = -31.53% (FCF TTM 1.25b / Enterprise Value -3.95b)
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 = -0.13 (set to none) (Enterprise Value -3.95b / 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 = 3.83% (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 = 7.16% (E(11.50b)/V(14.21b) * Re(8.60%) + D(2.71b)/V(14.21b) * Rd(1.33%) * (1-Tc(0.19)))
Discount Rate = 8.60% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -7.31%
[DCF Debug] Terminal Value 81.28% ; FCFF base≈1.30b ; Y1≈1.31b ; Y5≈1.39b
Fair Price DCF = 335.7 (EV 29.14b - Net Debt 2.41b = Equity 26.73b / Shares 79.6m; r=7.16% [WACC]; 5y FCF grow -0.34% → 2.90% )
EPS Correlation: 1.29 | EPS CAGR: -40.91% | SUE: -4.0 | # QB: 0
Revenue Correlation: 75.33 | Revenue CAGR: 4.19% | SUE: -0.52 | # QB: 0
EPS next Quarter (2026-03-31): EPS=3.52 | Chg30d=-0.001 | Revisions Net=+0 | Analysts=9
EPS next Year (2026-12-31): EPS=15.03 | Chg30d=+0.023 | Revisions Net=+0 | Growth EPS=+3.1% | Growth Revenue=+5.3%

Additional Sources for GL Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle