(GL) Globe Life - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US37959E1029
Stock: Life Insurance, Supplemental Health, Annuities
Total Rating 45
Risk 80
Buy Signal -0.43
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 0.82% |
| Yield on Cost 5y | 1.20% |
| Yield CAGR 5y | 7.65% |
| Payout Consistency | 91.2% |
| Payout Ratio | 7.4% |
| Risk 5d forecast | |
|---|---|
| Volatility | 22.2% |
| Relative Tail Risk | -5.46% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.78 |
| Alpha | 7.56 |
| Character TTM | |
|---|---|
| Beta | 0.724 |
| Beta Downside | 0.902 |
| Drawdowns 3y | |
|---|---|
| Max DD | 61.62% |
| CAGR/Max DD | 0.12 |
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) 7.0
| Net Income: 1.16b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA -0.61 > 1.0 |
| NWC/Revenue: 11.68% < 20% (prev 7.78%; Δ 3.90% < -1%) |
| CFO/TA 0.05 > 3% & CFO 1.38b > Net Income 1.16b |
| Net Debt (2.41b) to EBITDA (1.21b): 1.99 < 3 |
| Current Ratio: 2.78 > 1.5 & < 3 |
| Outstanding Shares: last quarter (82.0m) vs 12m ago -6.89% < -2% |
| Gross Margin: 51.06% > 18% (prev 0.36%; Δ 5070 % > 0.5%) |
| Asset Turnover: 19.95% > 50% (prev 19.55%; Δ 0.40% > 0%) |
| Interest Coverage Ratio: 7.84 > 6 (EBITDA TTM 1.21b / Interest Expense TTM 141.2m) |
Altman Z'' 1.63
| A: 0.02 (Total Current Assets 1.09b - Total Current Liabilities 394.3m) / Total Assets 30.53b |
| B: 0.29 (Retained Earnings 8.81b / Total Assets 30.53b) |
| C: 0.04 (EBIT TTM 1.11b / Avg Total Assets 30.04b) |
| D: 0.28 (Book Value of Equity 6.94b / Total Liabilities 24.84b) |
| Altman-Z'' Score: 1.63 = BB |
Beneish M -3.21
| DSRI: 1.08 (Receivables 729.2m/651.9m, Revenue 5.99b/5.78b) |
| GMI: 0.71 (GM 51.06% / 36.49%) |
| AQI: 0.99 (AQ_t 0.95 / AQ_t-1 0.96) |
| SGI: 1.04 (Revenue 5.99b / 5.78b) |
| TATA: -0.01 (NI 1.16b - CFO 1.38b) / TA 30.53b) |
| Beneish M-Score: -3.21 (Cap -4..+1) = AA |
What is the price of GL shares?
As of February 08, 2026, the stock is trading at USD 146.51 with a total of 510,418 shares traded.
Over the past week, the price has changed by +4.49%, over one month by +4.92%, over three months by +11.35% and over the past year by +23.12%.
Over the past week, the price has changed by +4.49%, over one month by +4.92%, over three months by +11.35% and over the past year by +23.12%.
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 | 171 | 16.7% |
| Analysts Target Price | 171 | 16.7% |
| ValueRay Target Price | 158.5 | 8.2% |
GL Fundamental Data Overview February 07, 2026
P/E Trailing = 10.4516
P/E Forward = 10.4384
P/S = 2.0036
P/B = 2.0264
Revenue TTM = 5.99b USD
EBIT TTM = 1.11b USD
EBITDA TTM = 1.21b 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 = -3.54b USD (11.90b + Debt 2.71b - CCE 18.16b)
Interest Coverage Ratio = 7.84 (Ebit TTM 1.11b / Interest Expense TTM 141.2m)
EV/FCF = -2.85x (Enterprise Value -3.54b / FCF TTM 1.25b)
FCF Yield = -35.15% (FCF TTM 1.25b / Enterprise Value -3.54b)
FCF Margin = 20.78% (FCF TTM 1.25b / Revenue TTM 5.99b)
Net Margin = 19.37% (Net Income TTM 1.16b / Revenue TTM 5.99b)
Gross Margin = 51.06% ((Revenue TTM 5.99b - Cost of Revenue TTM 2.93b) / Revenue TTM)
Gross Margin QoQ = none% (prev 41.30%)
Tobins Q-Ratio = -0.12 (set to none) (Enterprise Value -3.54b / Total Assets 30.53b)
Interest Expense / Debt = 1.30% (Interest Expense 35.2m / Debt 2.71b)
Taxrate = 21.0% (US default 21%)
NOPAT = 874.1m (EBIT 1.11b * (1 - 21.00%))
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 = 1.99 (Net Debt 2.41b / EBITDA 1.21b)
Debt / FCF = 1.94 (Net Debt 2.41b / FCF TTM 1.25b)
Total Stockholder Equity = 5.46b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.87% (Net Income 1.16b / Total Assets 30.53b)
RoE = 21.27% (Net Income TTM 1.16b / Total Stockholder Equity 5.46b)
RoCE = 14.22% (EBIT 1.11b / Capital Employed (Equity 5.46b + L.T.Debt 2.32b))
RoIC = 10.63% (NOPAT 874.1m / Invested Capital 8.22b)
WACC = 7.18% (E(11.90b)/V(14.62b) * Re(8.58%) + D(2.71b)/V(14.62b) * Rd(1.30%) * (1-Tc(0.21)))
Discount Rate = 8.58% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -7.31%
[DCF Debug] Terminal Value 81.23% ; FCFF base≈1.30b ; Y1≈1.31b ; Y5≈1.39b
Fair Price DCF = 334.6 (EV 29.05b - Net Debt 2.41b = Equity 26.64b / Shares 79.6m; r=7.18% [WACC]; 5y FCF grow -0.34% → 2.90% )
EPS Correlation: 90.86 | EPS CAGR: 20.21% | SUE: -0.27 | # QB: 0
Revenue Correlation: 78.34 | Revenue CAGR: 4.19% | SUE: -2.93 | # QB: 0
EPS next Quarter (2026-03-31): EPS=3.50 | Chg30d=-0.019 | Revisions Net=+0 | Analysts=7
EPS current Year (2026-12-31): EPS=15.05 | Chg30d=+0.030 | Revisions Net=+0 | Growth EPS=+3.7% | Growth Revenue=+5.9%
EPS next Year (2027-12-31): EPS=16.47 | Chg30d=+0.039 | Revisions Net=-1 | Growth EPS=+9.4% | Growth Revenue=+4.9%
P/E Forward = 10.4384
P/S = 2.0036
P/B = 2.0264
Revenue TTM = 5.99b USD
EBIT TTM = 1.11b USD
EBITDA TTM = 1.21b 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 = -3.54b USD (11.90b + Debt 2.71b - CCE 18.16b)
Interest Coverage Ratio = 7.84 (Ebit TTM 1.11b / Interest Expense TTM 141.2m)
EV/FCF = -2.85x (Enterprise Value -3.54b / FCF TTM 1.25b)
FCF Yield = -35.15% (FCF TTM 1.25b / Enterprise Value -3.54b)
FCF Margin = 20.78% (FCF TTM 1.25b / Revenue TTM 5.99b)
Net Margin = 19.37% (Net Income TTM 1.16b / Revenue TTM 5.99b)
Gross Margin = 51.06% ((Revenue TTM 5.99b - Cost of Revenue TTM 2.93b) / Revenue TTM)
Gross Margin QoQ = none% (prev 41.30%)
Tobins Q-Ratio = -0.12 (set to none) (Enterprise Value -3.54b / Total Assets 30.53b)
Interest Expense / Debt = 1.30% (Interest Expense 35.2m / Debt 2.71b)
Taxrate = 21.0% (US default 21%)
NOPAT = 874.1m (EBIT 1.11b * (1 - 21.00%))
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 = 1.99 (Net Debt 2.41b / EBITDA 1.21b)
Debt / FCF = 1.94 (Net Debt 2.41b / FCF TTM 1.25b)
Total Stockholder Equity = 5.46b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.87% (Net Income 1.16b / Total Assets 30.53b)
RoE = 21.27% (Net Income TTM 1.16b / Total Stockholder Equity 5.46b)
RoCE = 14.22% (EBIT 1.11b / Capital Employed (Equity 5.46b + L.T.Debt 2.32b))
RoIC = 10.63% (NOPAT 874.1m / Invested Capital 8.22b)
WACC = 7.18% (E(11.90b)/V(14.62b) * Re(8.58%) + D(2.71b)/V(14.62b) * Rd(1.30%) * (1-Tc(0.21)))
Discount Rate = 8.58% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -7.31%
[DCF Debug] Terminal Value 81.23% ; FCFF base≈1.30b ; Y1≈1.31b ; Y5≈1.39b
Fair Price DCF = 334.6 (EV 29.05b - Net Debt 2.41b = Equity 26.64b / Shares 79.6m; r=7.18% [WACC]; 5y FCF grow -0.34% → 2.90% )
EPS Correlation: 90.86 | EPS CAGR: 20.21% | SUE: -0.27 | # QB: 0
Revenue Correlation: 78.34 | Revenue CAGR: 4.19% | SUE: -2.93 | # QB: 0
EPS next Quarter (2026-03-31): EPS=3.50 | Chg30d=-0.019 | Revisions Net=+0 | Analysts=7
EPS current Year (2026-12-31): EPS=15.05 | Chg30d=+0.030 | Revisions Net=+0 | Growth EPS=+3.7% | Growth Revenue=+5.9%
EPS next Year (2027-12-31): EPS=16.47 | Chg30d=+0.039 | Revisions Net=-1 | Growth EPS=+9.4% | Growth Revenue=+4.9%