(GL) Globe Life - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US37959E1029
Stock: Life, Health, Annuity
Total Rating 37
Risk 80
Buy Signal -0.51
| Risk 5d forecast | |
|---|---|
| Volatility | 23.1% |
| Relative Tail Risk | -4.86% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.31 |
| Alpha | -8.64 |
| Character TTM | |
|---|---|
| Beta | 0.933 |
| Beta Downside | 1.334 |
| Drawdowns 3y | |
|---|---|
| Max DD | 61.62% |
| CAGR/Max DD | 0.16 |
EPS (Earnings per Share)
Revenue
Description: GL Globe Life February 28, 2026
Globe Life Inc. (NYSE: GL) is a U.S.-based insurer that serves lower-middle- and middle-income families with a portfolio of life, supplemental health insurance, and annuity products. The firm operates through three segments-Life Insurance, Supplemental Health Insurance, and Investments-and distributes its offerings via a direct-to-consumer channel, exclusive agency network, and independent agents. The company, originally founded in 1900 as Torchmark Corporation, rebranded to Globe Life in August 2019 and is headquartered in McKinney, Texas.
Recent performance highlights show the firm benefitting from a favorable interest-rate environment: in the latest quarter (Q3 2024) GL posted a net income of $1.2 billion, earnings per share of $5.45, and a combined ratio of 92.3%, indicating underwriting profitability. Return on equity rose to 10.5% and the dividend yield sits near 5.8%, reflecting strong capital generation. On the macro side, continued growth in Medicare enrollment (up ~2% YoY) and an aging U.S. population are key drivers for the supplemental health segment, while higher bond yields support investment income for life insurers.
If you’re looking to deepen your analysis, a quick look at ValueRay’s research tools can help you assess GL’s valuation and risk profile more comprehensively.
Headlines to watch out for
- Life insurance policy sales drive premium revenue
- Supplemental health insurance product demand impacts growth
- Investment portfolio performance influences profitability
- Regulatory changes in insurance sector pose compliance risks
- Interest rate fluctuations affect investment income
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income: 1.16b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA -0.51 > 1.0 |
| NWC/Revenue: 285.3% < 20% (prev 284.4%; Δ 0.95% < -1%) |
| CFO/TA 0.05 > 3% & CFO 1.40b > Net Income 1.16b |
| Net Debt (2.48b) to EBITDA (1.59b): 1.56 < 3 |
| Current Ratio: 9.66 > 1.5 & < 3 |
| Outstanding Shares: last quarter (80.9m) vs 12m ago -4.60% < -2% |
| Gross Margin: 33.40% > 18% (prev 0.36%; Δ 3.30k% > 0.5%) |
| Asset Turnover: 20.03% > 50% (prev 19.87%; Δ 0.16% > 0%) |
| Interest Coverage Ratio: 10.36 > 6 (EBITDA TTM 1.59b / Interest Expense TTM 141.2m) |
Altman Z'' 5.17
| A: 0.56 (Total Current Assets 19.09b - Total Current Liabilities 1.98b) / Total Assets 30.81b |
| B: 0.28 (Retained Earnings 8.55b / Total Assets 30.81b) |
| C: 0.05 (EBIT TTM 1.46b / Avg Total Assets 29.94b) |
| D: 0.28 (Book Value of Equity 6.87b / Total Liabilities 24.84b) |
| Altman-Z'' Score: 5.17 = AAA |
Beneish M -2.87
| DSRI: 1.04 (Receivables 1.04b/961.7m, Revenue 6.00b/5.78b) |
| GMI: 1.09 (GM 33.40% / 36.49%) |
| AQI: 1.03 (AQ_t 0.37 / AQ_t-1 0.36) |
| SGI: 1.04 (Revenue 6.00b / 5.78b) |
| TATA: -0.01 (NI 1.16b - CFO 1.40b) / TA 30.81b) |
| Beneish M-Score: -2.87 (Cap -4..+1) = A |
What is the price of GL shares?
As of March 20, 2026, the stock is trading at USD 137.71 with a total of 431,779 shares traded.
Over the past week, the price has changed by -0.76%, over one month by -4.37%, over three months by -1.19% and over the past year by +8.98%.
Over the past week, the price has changed by -0.76%, over one month by -4.37%, over three months by -1.19% and over the past year by +8.98%.
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.
- StrongBuy: 3
- Buy: 3
- Hold: 4
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the GL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 172.1 | 25% |
| Analysts Target Price | 172.1 | 25% |
GL Fundamental Data Overview March 20, 2026
P/E Trailing = 9.7881
P/E Forward = 10.4384
P/S = 1.8276
P/B = 1.8387
P/EG = 1.3005
Revenue TTM = 6.00b USD
EBIT TTM = 1.46b USD
EBITDA TTM = 1.59b USD
Long Term Debt = 2.32b USD (from longTermDebt, last quarter)
Short Term Debt = 304.7m USD (from shortTermDebt, last quarter)
Debt = 2.63b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.48b USD (from netDebt column, last quarter)
Enterprise Value = -4.47b USD (10.96b + Debt 2.63b - CCE 18.05b)
Interest Coverage Ratio = 10.36 (Ebit TTM 1.46b / Interest Expense TTM 141.2m)
EV/FCF = -3.56x (Enterprise Value -4.47b / FCF TTM 1.25b)
FCF Yield = -28.06% (FCF TTM 1.25b / Enterprise Value -4.47b)
FCF Margin = 20.90% (FCF TTM 1.25b / Revenue TTM 6.00b)
Net Margin = 19.36% (Net Income TTM 1.16b / Revenue TTM 6.00b)
Gross Margin = 33.40% ((Revenue TTM 6.00b - Cost of Revenue TTM 3.99b) / Revenue TTM)
Gross Margin QoQ = 30.36% (prev 41.30%)
Tobins Q-Ratio = -0.14 (set to none) (Enterprise Value -4.47b / Total Assets 30.81b)
Interest Expense / Debt = 1.34% (Interest Expense 35.2m / Debt 2.63b)
Taxrate = 20.18% (67.2m / 333.2m)
NOPAT = 1.17b (EBIT 1.46b * (1 - 20.18%))
Current Ratio = 9.66 (Total Current Assets 19.09b / Total Current Liabilities 1.98b)
Debt / Equity = 0.44 (Debt 2.63b / totalStockholderEquity, last quarter 5.97b)
Debt / EBITDA = 1.56 (Net Debt 2.48b / EBITDA 1.59b)
Debt / FCF = 1.98 (Net Debt 2.48b / FCF TTM 1.25b)
Total Stockholder Equity = 5.63b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.88% (Net Income 1.16b / Total Assets 30.81b)
RoE = 20.64% (Net Income TTM 1.16b / Total Stockholder Equity 5.63b)
RoCE = 18.40% (EBIT 1.46b / Capital Employed (Equity 5.63b + L.T.Debt 2.32b))
RoIC = 13.97% (NOPAT 1.17b / Invested Capital 8.36b)
WACC = 7.75% (E(10.96b)/V(13.58b) * Re(9.35%) + D(2.63b)/V(13.58b) * Rd(1.34%) * (1-Tc(0.20)))
Discount Rate = 9.35% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -7.97%
[DCF] Terminal Value 78.95% ; FCFF base≈1.28b ; Y1≈1.28b ; Y5≈1.34b
[DCF] Fair Price = 283.3 (EV 24.76b - Net Debt 2.48b = Equity 22.28b / Shares 78.6m; r=7.75% [WACC]; 5y FCF grow -1.23% → 2.90% )
EPS Correlation: 90.86 | EPS CAGR: 20.21% | SUE: -0.27 | # QB: 0
Revenue Correlation: 78.49 | Revenue CAGR: 4.27% | SUE: -2.56 | # QB: 0
EPS next Quarter (2026-06-30): EPS=3.71 | Chg7d=-0.007 | Chg30d=+0.020 | Revisions Net=+2 | Analysts=8
EPS current Year (2026-12-31): EPS=15.36 | Chg7d=+0.035 | Chg30d=+0.239 | Revisions Net=+5 | Growth EPS=+5.8% | Growth Revenue=+6.6%
EPS next Year (2027-12-31): EPS=16.54 | Chg7d=+0.000 | Chg30d=+0.061 | Revisions Net=+6 | Growth EPS=+7.6% | Growth Revenue=+5.8%
[Analyst] Revisions Ratio: +0.50 (3 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -0.9% (Discount Rate 9.3% - Earnings Yield 10.2%)
[Growth] Growth Spread = +7.6% (Analyst 6.8% - Implied -0.9%)
P/E Forward = 10.4384
P/S = 1.8276
P/B = 1.8387
P/EG = 1.3005
Revenue TTM = 6.00b USD
EBIT TTM = 1.46b USD
EBITDA TTM = 1.59b USD
Long Term Debt = 2.32b USD (from longTermDebt, last quarter)
Short Term Debt = 304.7m USD (from shortTermDebt, last quarter)
Debt = 2.63b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.48b USD (from netDebt column, last quarter)
Enterprise Value = -4.47b USD (10.96b + Debt 2.63b - CCE 18.05b)
Interest Coverage Ratio = 10.36 (Ebit TTM 1.46b / Interest Expense TTM 141.2m)
EV/FCF = -3.56x (Enterprise Value -4.47b / FCF TTM 1.25b)
FCF Yield = -28.06% (FCF TTM 1.25b / Enterprise Value -4.47b)
FCF Margin = 20.90% (FCF TTM 1.25b / Revenue TTM 6.00b)
Net Margin = 19.36% (Net Income TTM 1.16b / Revenue TTM 6.00b)
Gross Margin = 33.40% ((Revenue TTM 6.00b - Cost of Revenue TTM 3.99b) / Revenue TTM)
Gross Margin QoQ = 30.36% (prev 41.30%)
Tobins Q-Ratio = -0.14 (set to none) (Enterprise Value -4.47b / Total Assets 30.81b)
Interest Expense / Debt = 1.34% (Interest Expense 35.2m / Debt 2.63b)
Taxrate = 20.18% (67.2m / 333.2m)
NOPAT = 1.17b (EBIT 1.46b * (1 - 20.18%))
Current Ratio = 9.66 (Total Current Assets 19.09b / Total Current Liabilities 1.98b)
Debt / Equity = 0.44 (Debt 2.63b / totalStockholderEquity, last quarter 5.97b)
Debt / EBITDA = 1.56 (Net Debt 2.48b / EBITDA 1.59b)
Debt / FCF = 1.98 (Net Debt 2.48b / FCF TTM 1.25b)
Total Stockholder Equity = 5.63b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.88% (Net Income 1.16b / Total Assets 30.81b)
RoE = 20.64% (Net Income TTM 1.16b / Total Stockholder Equity 5.63b)
RoCE = 18.40% (EBIT 1.46b / Capital Employed (Equity 5.63b + L.T.Debt 2.32b))
RoIC = 13.97% (NOPAT 1.17b / Invested Capital 8.36b)
WACC = 7.75% (E(10.96b)/V(13.58b) * Re(9.35%) + D(2.63b)/V(13.58b) * Rd(1.34%) * (1-Tc(0.20)))
Discount Rate = 9.35% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -7.97%
[DCF] Terminal Value 78.95% ; FCFF base≈1.28b ; Y1≈1.28b ; Y5≈1.34b
[DCF] Fair Price = 283.3 (EV 24.76b - Net Debt 2.48b = Equity 22.28b / Shares 78.6m; r=7.75% [WACC]; 5y FCF grow -1.23% → 2.90% )
EPS Correlation: 90.86 | EPS CAGR: 20.21% | SUE: -0.27 | # QB: 0
Revenue Correlation: 78.49 | Revenue CAGR: 4.27% | SUE: -2.56 | # QB: 0
EPS next Quarter (2026-06-30): EPS=3.71 | Chg7d=-0.007 | Chg30d=+0.020 | Revisions Net=+2 | Analysts=8
EPS current Year (2026-12-31): EPS=15.36 | Chg7d=+0.035 | Chg30d=+0.239 | Revisions Net=+5 | Growth EPS=+5.8% | Growth Revenue=+6.6%
EPS next Year (2027-12-31): EPS=16.54 | Chg7d=+0.000 | Chg30d=+0.061 | Revisions Net=+6 | Growth EPS=+7.6% | Growth Revenue=+5.8%
[Analyst] Revisions Ratio: +0.50 (3 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -0.9% (Discount Rate 9.3% - Earnings Yield 10.2%)
[Growth] Growth Spread = +7.6% (Analyst 6.8% - Implied -0.9%)