GL Stock Analysis: Globe Life | NYSE
Insurance - Life | NYSE, USA | Market Cap: 12.810m USD | 12M Return: 25.1% | US37959E1029 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 71.0M
EPS Trend: 99.3%
Qual. Beats: 0
Rev. Trend: 95.2%
Qual. Beats: 1
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Globe Life Inc. (NYSE: GL) is a US-based insurance provider that, through its subsidiaries, offers life and supplemental health insurance products primarily targeted at lower middle- and middle-income families. The company operates through three business segments: Life Insurance, Supplemental Health Insurance, and Investments. It is classified within the Life & Health Insurance sub-industry of the Financials sector.
Its product portfolio spans whole, term, and other life insurance, including policies for children, as well as Medicare supplement and limited-benefit supplemental health products covering conditions such as accident, cancer, critical illness, heart, and intensive care. Additional offerings include final expense, accidental death, mortgage protection, and hospital insurance. Globe Life distributes via a multi-channel approach using direct-to-consumer, exclusive independent agents, general agency independent agents, and brokers.
The Investments segment reflects the typical insurance industry model in which collected premiums are invested to generate portfolio income alongside underwriting results. The company was founded in 1900, is headquartered in McKinney, Texas, and was formerly known as Torchmark Corporation before adopting its current name in August 2019.
- Net investment income rises on higher interest rates
- Supplemental health insurance segment drives premium growth
- Direct-to-consumer distribution gains market share
| Net Income: 1.21b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA -0.62 > 1.0 |
| NWC/Revenue: 7.24% < 20% (prev 282.1%; Δ -274.9% < -1%) |
| CFO/TA 0.04 > 3% & CFO 1.39b > Net Income 1.21b |
| Net Debt (2.49b) to EBITDA (1.64b): 1.52 < 3 |
| Current Ratio: 1.41 > 1.5 & < 3 |
| Outstanding Shares: last quarter (79.8m) vs 12m ago -3.61% < -2% |
| Gross Margin: 17.00% > 18% (prev 32.24%; Δ -15.24% > 0.5%) |
| Asset Turnover: 20.19% > 50% (prev 19.74%; Δ 0.46% > 0%) |
| Interest Coverage Ratio: 11.58 > 6 (EBIT TTM 1.64b / Interest Expense TTM 141.4m) |
| A: 0.01 (Total Current Assets 1.55b - Total Current Liabilities 1.10b) / Total Assets 31.6b |
| B: 0.29 (Retained Earnings 9.04b / Total Assets 31.6b) |
| C: 0.05 (EBIT TTM 1.64b / Avg Total Assets 30.7b) |
| D: 0.24 (Book Value of Equity 6.16b / Total Liabilities 25.4b) |
| Altman-Z'' = 1.64 = BB |
| DSRI: 0.81 (Receivables 818.8m/962.4m, Revenue 6.20b/5.88b) |
| GMI: 1.90 (GM 32.24% / 17.00%) |
| AQI: 2.58 (AQ_t 0.94 / AQ_t-1 0.36) |
| SGI: 1.05 (Revenue 6.20b / 5.88b) |
| TATA: -0.01 (NI 1.21b - CFO 1.39b) / TA 31.6b) |
| Beneish M = -1.40 (Cap -4..+1) = D |
As of October 07, 2026, the stock is trading at USD 166.28 with a total of 643,755 shares traded. Over the past week, the price has changed by +0.32%, over one month by -2.38%, over three months by -5.86% and over the past year by +25.10%.
Current recommended Stop Loss: 162.20 (which is 2.5% or 1.3 ATR below the current price).
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
| Analysts Target Price | 193.9 | 16.6% |
P/E Trailing = 11.1127
P/E Forward = 10.1937
P/S = 2.0688
P/B = 2.1067
P/EG = 1.3005
Revenue TTM = 6.20b USD
EBIT TTM = 1.64b USD
EBITDA TTM = 1.64b USD
Long Term Debt = 2.67b USD (from longTermDebt, last quarter)
Short Term Debt = 278.0m USD (from shortTermDebt, last quarter)
Debt = 2.94b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.49b USD (calculated: Debt 2.94b - CCE 455.4m)
Enterprise Value = 15.3b USD (12.8b + Debt 2.94b - CCE 455.4m)
Interest Coverage Ratio = 11.58 (Ebit TTM 1.64b / Interest Expense TTM 141.4m)
EV/FCF = 12.41x (Enterprise Value 15.3b / FCF TTM 1.23b)
FCF Yield = 8.06% (FCF TTM 1.23b / Enterprise Value 15.3b)
FCF Margin = 19.89% (FCF TTM 1.23b / Revenue TTM 6.20b)
Net Margin = 19.56% (Net Income TTM 1.21b / Revenue TTM 6.20b)
Gross Margin = 17.00% ((Revenue TTM 6.20b - Cost of Revenue TTM 5.14b) / Revenue TTM)
Gross Margin QoQ = -50.26% (prev 49.37%)
Tobins Q-Ratio = 0.48 (Enterprise Value 15.3b / Total Assets 31.6b)
Interest Expense / Debt = 4.80% (Interest Expense 141.4m / Debt 2.94b)
Taxrate = 19.16% (287.3m / 1.50b)
NOPAT = 1.32b (EBIT 1.64b * (1 - 19.16%))
Current Ratio = 1.41 (Total Current Assets 1.55b / Total Current Liabilities 1.10b)
Debt / Equity = 0.48 (Debt 2.94b / totalStockholderEquity, last quarter 6.16b)
Debt / EBITDA = 1.52 (Net Debt 2.49b / EBITDA 1.64b)
Debt / FCF = 2.02 (Net Debt 2.49b / FCF TTM 1.23b)
Total Stockholder Equity = 5.98b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.95% (Net Income 1.21b / Total Assets 31.6b)
RoE = 20.28% (Net Income TTM 1.21b / Total Stockholder Equity 5.98b)
RoCE = 18.94% (EBIT 1.64b / Capital Employed (Equity 5.98b + L.T.Debt 2.67b))
RoIC = 4.35% (NOPAT 1.32b / Invested Capital 30.4b)
WACC = 6.44% (E(12.8b)/V(15.8b) * Re(7.03%) + D(2.94b)/V(15.8b) * Rd(4.80%) * (1-Tc(0.19)))
Discount Rate = 7.03% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -93.63 | Cagr: -7.51%
[DCF] Terminal Value 74.19% ; FCFF base≈1.28b ; Y1≈1.19b ; Y5≈1.09b
[DCF] Fair Price = 191.2 (EV 17.2b - Net Debt 2.49b = Equity 14.7b / Shares 76.8m; r=8.35% [WACC [floored]]; 5y FCF grow -8.60% → 2.50% )
EPS Correlation: 99.32 | EPS CAGR: 16.65% | SUE: -0.31 | # QB: 0
Revenue Correlation: 95.15 | Revenue CAGR: 6.27% | SUE: 0.89 | # QB: 1
EPS current Quarter (2026-09-30): EPS=4.90 | Chg30d=+0.43% | Revisions=+70% | Analysts=9
EPS current Year (2026-12-31): EPS=15.71 | Chg30d=+0.05% | Revisions=+73% | GrowthEPS=+8.2% | GrowthRev=+6.8%
EPS next Year (2027-12-31): EPS=16.52 | Chg30d=+0.00% | Revisions=-50% | GrowthEPS=+5.1% | GrowthRev=+6.5%
[Analyst] Revisions Ratio: +40% (up=16, down=6)