(GL) Globe Life - Overview
Sector: Financial Services | Industry: Insurance - Life | Exchange: NYSE (USA) | Market Cap: 11.994m USD | Total Return: 29.9% in 12m
Life Insurance, Health Insurance, Medicare Supplements, Annuities
Total Rating 61
Safety 58
Buy Signal 0.35
Insurance - Life
Industry Rotation: +11.6
Industry Rotation: +11.6
Market Cap:
12.0B
Avg Turnover: 80.2M
Avg Turnover: 80.2M
Risk 3d forecast
Volatility21.1%
VaR 5th Pctl3.66%
VaR vs Median5.49%
Reward TTM
Sharpe Ratio1.19
Rel. Str. IBD68.4
Rel. Str. Peer Group67.5
Character TTM
Beta0.467
Beta Downside0.367
Hurst Exponent0.504
Drawdowns 3y
Max DD61.62%
CAGR/Max DD0.23
CAGR/Mean DD1.53
EPS (Earnings per Share)
EPS CAGR: 14.42%
EPS Trend: 90.8%
EPS Trend: 90.8%
Last SUE: -0.24
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 5.15%
Rev. Trend: 81.6%
Rev. Trend: 81.6%
Last SUE: -0.57
Qual. Beats: 0
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: GL Globe Life
Globe Life Inc. (NYSE: GL) provides life and supplemental health insurance products specifically targeting lower middle- and middle-income families in the United States. Operating through Life Insurance, Supplemental Health Insurance, and Investment segments, the company offers a range of protection products including whole life, term life, Medicare supplements, and critical illness coverage. Its distribution model utilizes a multi-channel approach consisting of direct-to-consumer marketing, exclusive independent agents, and brokers.
The life and health insurance sector typically generates revenue through a combination of policy premiums and investment income derived from a portfolio of fixed-income assets. This business model relies on actuarial precision to manage long-term liabilities while maintaining capital reserves to meet policyholder claims. Globe Life’s focus on the middle-income demographic allows it to capture a large, underserved market segment with relatively low policy face amounts but high volume.
Investors can further analyze these financial metrics and growth trends at ValueRay.
- Agency force recruitment and productivity drive premium growth in life segment
- Higher interest rates boost net investment income on fixed-income portfolio holdings
- Short-seller allegations and regulatory inquiries regarding sales practices increase volatility
- Mortality rate stabilization improves underwriting margins for middle-income life products
- Continued demand for supplemental health products offsets rising medical claim costs
Piotroski VR‑10 (Strict)
7.0
| Net Income: 1.18b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA -0.77 > 1.0 |
| NWC/Revenue: 2.71% < 20% (prev 286.6%; Δ -283.9% < -1%) |
| CFO/TA 0.04 > 3% & CFO 1.39b > Net Income 1.18b |
| Net Debt (2.52b) to EBITDA (1.61b): 1.57 < 3 |
| Current Ratio: 1.13 > 1.5 & < 3 |
| Outstanding Shares: last quarter (79.8m) vs 12m ago -5.54% < -2% |
| Gross Margin: 38.07% > 18% (prev 0.32%; Δ 3.77k% > 0.5%) |
| Asset Turnover: 20.04% > 50% (prev 19.67%; Δ 0.37% > 0%) |
| Interest Coverage Ratio: 10.80 > 6 (EBITDA TTM 1.61b / Interest Expense TTM 140.2m) |
Altman Z''
1.60
| A: 0.01 (Total Current Assets 1.46b - Total Current Liabilities 1.29b) / Total Assets 30.97b |
| B: 0.28 (Retained Earnings 8.79b / Total Assets 30.97b) |
| C: 0.05 (EBIT TTM 1.51b / Avg Total Assets 30.34b) |
| D: 0.29 (Book Value of Equity 7.18b / Total Liabilities 24.88b) |
| Altman-Z'' Score: 1.60 = BB |
Beneish M
-2.40
| DSRI: 0.71 (Receivables 727.5m/979.1m, Revenue 6.08b/5.84b) |
| GMI: 0.85 (GM 38.07% / 32.41%) |
| AQI: 2.64 (AQ_t 0.94 / AQ_t-1 0.36) |
| SGI: 1.04 (Revenue 6.08b / 5.84b) |
| TATA: -0.01 (NI 1.18b - CFO 1.39b) / TA 30.97b) |
| Beneish M-Score: -2.40 (Cap -4..+1) = BBB |
What is the price of GL shares?
As of May 20, 2026, the stock is trading at USD 157.35 with a total of 501,380 shares traded.
Over the past week, the price has changed by +2.27%, over one month by +4.14%, over three months by +9.83% and over the past year by +29.85%.
Over the past week, the price has changed by +2.27%, over one month by +4.14%, over three months by +9.83% and over the past year by +29.85%.
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?
| Analysts Target Price | 174.7 | 11% |
Globe Life (GL) - Fundamental Data Overview
as of 16 May 2026
P/E Trailing = 10.6974 P/E Forward = 10.4384
P/S = 1.9748
P/B = 1.9279
P/EG = 1.3005
Revenue TTM = 6.08b USD
EBIT TTM = 1.51b USD
EBITDA TTM = 1.61b USD
Long Term Debt = 2.32b USD (from longTermDebt, last fiscal year)
Short Term Debt = 457.0m USD (from shortTermDebt, last quarter)
Debt = 2.78b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.52b USD (from netDebt column, last quarter)
Enterprise Value = 14.33b USD (11.99b + Debt 2.78b - CCE 439.0m)
Interest Coverage Ratio = 10.80 (Ebit TTM 1.51b / Interest Expense TTM 140.2m)
EV/FCF = 11.66x (Enterprise Value 14.33b / FCF TTM 1.23b)
FCF Yield = 8.58% (FCF TTM 1.23b / Enterprise Value 14.33b)
FCF Margin = 20.23% (FCF TTM 1.23b / Revenue TTM 6.08b)
Net Margin = 19.37% (Net Income TTM 1.18b / Revenue TTM 6.08b)
Gross Margin = 38.07% ((Revenue TTM 6.08b - Cost of Revenue TTM 3.76b) / Revenue TTM)
Gross Margin QoQ = 49.37% (prev 30.36%)
Tobins Q-Ratio = 0.46 (Enterprise Value 14.33b / Total Assets 30.97b)
Interest Expense / Debt = 1.22% (Interest Expense 34.0m / Debt 2.78b)
Taxrate = 19.04% (63.6m / 334.1m)
NOPAT = 1.23b (EBIT 1.51b * (1 - 19.04%))
Current Ratio = 1.13 (Total Current Assets 1.46b / Total Current Liabilities 1.29b)
Debt / Equity = 0.46 (Debt 2.78b / totalStockholderEquity, last quarter 6.08b)
Debt / EBITDA = 1.57 (Net Debt 2.52b / EBITDA 1.61b)
Debt / FCF = 2.05 (Net Debt 2.52b / FCF TTM 1.23b)
Total Stockholder Equity = 5.79b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.88% (Net Income 1.18b / Total Assets 30.97b)
RoE = 20.32% (Net Income TTM 1.18b / Total Stockholder Equity 5.79b)
RoCE = 18.67% (EBIT 1.51b / Capital Employed (Equity 5.79b + L.T.Debt 2.32b))
RoIC = 14.59% (NOPAT 1.23b / Invested Capital 8.40b)
WACC = 6.37% (E(11.99b)/V(14.77b) * Re(7.62%) + D(2.78b)/V(14.77b) * Rd(1.22%) * (1-Tc(0.19)))
Discount Rate = 7.62% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares (quarterly) Correlation: -100.00 | Cagr: -7.66%
[DCF] Terminal Value 84.48% ; FCFF base≈1.30b ; Y1≈1.26b ; Y5≈1.27b
[DCF] Fair Price = 400.3 (EV 33.60b - Net Debt 2.52b = Equity 31.08b / Shares 77.6m; r=6.37% [WACC]; 5y FCF grow -3.98% → 3.0% )
EPS Correlation: 90.81 | EPS CAGR: 14.42% | SUE: -0.24 | # QB: 0
Revenue Correlation: 81.62 | Revenue CAGR: 5.15% | SUE: -0.57 | # QB: 0
EPS current Quarter (2026-06-30): EPS=3.68 | Chg30d=-0.90% | Revisions=-11% | Analysts=7
EPS next Quarter (2026-09-30): EPS=4.63 | Chg30d=+9.52% | Revisions=+25% | Analysts=7
EPS current Year (2026-12-31): EPS=15.60 | Chg30d=+1.60% | Revisions=+50% | GrowthEPS=+7.5% | GrowthRev=+6.8%
EPS next Year (2027-12-31): EPS=16.62 | Chg30d=+0.57% | Revisions=+25% | GrowthEPS=+6.5% | GrowthRev=+6.1%
[Analyst] Revisions Ratio: +50%