(GL) Globe Life - Ratings and Ratios
Life Insurance, Supplemental Health Insurance, Annuities
GL EPS (Earnings per Share)
GL Revenue
Description: GL Globe Life
Globe Life Inc. (NYSE:GL) is a leading provider of life and supplemental health insurance products, as well as annuities, catering to lower middle- and middle-income families in the United States. The company operates through three distinct segments: Life Insurance, Supplemental Health Insurance, and Investments, offering a diverse range of products including whole, term, and other life insurance, as well as Medicare supplement and limited-benefit supplemental health insurance products.
With a strong distribution network, Globe Life Inc. sells its products through multiple channels, including its direct-to-consumer division, exclusive agencies, and independent agents. The companys product portfolio and distribution strategy enable it to effectively target its core customer base. Key performance indicators (KPIs) such as policyholder growth rate, premium revenue growth, and claims ratio are crucial in assessing the companys operational efficiency and financial health.
From a financial perspective, Globe Life Inc.s return on equity (RoE) of 20.80% indicates a strong ability to generate profits from shareholder equity. The companys price-to-earnings (P/E) ratio of 9.90 and forward P/E of 10.44 suggest a relatively attractive valuation compared to its earnings. Additionally, the companys market capitalization of $10.037 billion underscores its significant presence in the life and health insurance industry.
To further evaluate Globe Life Inc.s performance, other relevant KPIs could include the loss ratio, expense ratio, and return on assets (RoA). Analyzing these metrics in conjunction with the companys growth prospects, competitive positioning, and industry trends can provide a more comprehensive understanding of its investment potential. As a Trading Analyst, it is essential to scrutinize these factors to identify optimal stock options trading opportunities.
GL Stock Overview
| Market Cap in USD | 11,524m |
| Sub-Industry | Life & Health Insurance |
| IPO / Inception | 1987-12-30 |
GL Stock Ratings
| Growth Rating | 65.7% |
| Fundamental | 75.4% |
| Dividend Rating | 56.4% |
| Return 12m vs S&P 500 | 12.7% |
| Analyst Rating | 3.90 of 5 |
GL Dividends
| Dividend Yield 12m | 0.99% |
| Yield on Cost 5y | 1.63% |
| Annual Growth 5y | 5.10% |
| Payout Consistency | 93.4% |
| Payout Ratio | 8.1% |
GL Growth Ratios
| Growth Correlation 3m | 81.1% |
| Growth Correlation 12m | 81.5% |
| Growth Correlation 5y | 65.8% |
| CAGR 5y | 11.83% |
| CAGR/Max DD 3y | 0.19 |
| CAGR/Mean DD 3y | 1.37 |
| Sharpe Ratio 12m | 2.25 |
| Alpha | 0.05 |
| Beta | 0.806 |
| Volatility | 21.12% |
| Current Volume | 525.6k |
| Average Volume 20d | 448.7k |
| Stop Loss | 136.6 (-3%) |
| Signal | -0.29 |
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (1.07b TTM) > 0 and > 6% of Revenue (6% = 353.0m TTM) |
| FCFTA 0.05 (>2.0%) and ΔFCFTA -0.26pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 9.89% (prev -11.06%; Δ 20.95pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.05 (>3.0%) and CFO 1.42b > Net Income 1.07b (YES >=105%, WARN >=100%) |
| Net Debt (2.55b) to EBITDA (1.46b) ratio: 1.75 <= 3.0 (WARN <= 3.5) |
| Current Ratio 2.25 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (82.8m) change vs 12m ago -11.80% (target <= -2.0% for YES) |
| Gross Margin 33.06% (prev 93.46%; Δ -60.40pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 20.25% (prev 19.99%; Δ 0.26pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 10.63 (EBITDA TTM 1.46b / Interest Expense TTM 137.0m) >= 6 (WARN >= 3) |
Altman Z'' 1.67
| (A) 0.02 = (Total Current Assets 1.05b - Total Current Liabilities 464.5m) / Total Assets 29.81b |
| (B) 0.28 = Retained Earnings (Balance) 8.45b / Total Assets 29.81b |
| (C) 0.05 = EBIT TTM 1.46b / Avg Total Assets 29.05b |
| (D) 0.27 = Book Value of Equity 6.57b / Total Liabilities 24.39b |
| Total Rating: 1.67 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 75.41
| 1. Piotroski 6.0pt = 1.0 |
| 2. FCF Yield -39.58% = -5.0 |
| 3. FCF Margin 22.92% = 5.73 |
| 4. Debt/Equity 0.51 = 2.37 |
| 5. Debt/Ebitda 1.92 = 0.16 |
| 6. ROIC - WACC (= 7.32)% = 9.14 |
| 7. RoE 20.50% = 1.71 |
| 8. Rev. Trend 75.60% = 5.67 |
| 9. EPS Trend 92.46% = 4.62 |
What is the price of GL shares?
Over the past week, the price has changed by +0.28%, over one month by +3.58%, over three months by +17.03% and over the past year by +33.80%.
Is Globe Life a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of GL is around 143.73 USD . This means that GL is currently overvalued and has a potential downside of 2.04%.
Is GL a buy, sell or hold?
- 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 | 160.2 | 13.7% |
| Analysts Target Price | 160.2 | 13.7% |
| ValueRay Target Price | 158.7 | 12.7% |
Last update: 2025-09-15 04:36
GL Fundamental Data Overview
CCE Cash And Equivalents = 17.72b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 11.3725
P/E Forward = 10.4384
P/S = 1.9588
P/B = 2.1266
Beta = 0.56
Revenue TTM = 5.88b USD
EBIT TTM = 1.46b USD
EBITDA TTM = 1.46b USD
Long Term Debt = 2.33b USD (from longTermDebt, last quarter)
Short Term Debt = 464.5m USD (from shortTermDebt, last quarter)
Debt = 2.79b USD (Calculated: Short Term 464.5m + Long Term 2.33b)
Net Debt = 2.55b USD (from netDebt column, last quarter)
Enterprise Value = -3.41b USD (11.52b + Debt 2.79b - CCE 17.72b)
Interest Coverage Ratio = 10.63 (Ebit TTM 1.46b / Interest Expense TTM 137.0m)
FCF Yield = -39.58% (FCF TTM 1.35b / Enterprise Value -3.41b)
FCF Margin = 22.92% (FCF TTM 1.35b / Revenue TTM 5.88b)
Net Margin = 18.11% (Net Income TTM 1.07b / Revenue TTM 5.88b)
Gross Margin = 33.06% ((Revenue TTM 5.88b - Cost of Revenue TTM 3.94b) / Revenue TTM)
Tobins Q-Ratio = -0.52 (set to none) (Enterprise Value -3.41b / Book Value Of Equity 6.57b)
Interest Expense / Debt = 1.25% (Interest Expense 34.9m / Debt 2.79b)
Taxrate = 19.29% (255.9m / 1.33b)
NOPAT = 1.17b (EBIT 1.46b * (1 - 19.29%))
Current Ratio = 2.25 (Total Current Assets 1.05b / Total Current Liabilities 464.5m)
Debt / Equity = 0.51 (Debt 2.79b / last Quarter total Stockholder Equity 5.42b)
Debt / EBITDA = 1.92 (Net Debt 2.55b / EBITDA 1.46b)
Debt / FCF = 2.07 (Debt 2.79b / FCF TTM 1.35b)
Total Stockholder Equity = 5.20b (last 4 quarters mean)
RoA = 3.57% (Net Income 1.07b, Total Assets 29.81b )
RoE = 20.50% (Net Income TTM 1.07b / Total Stockholder Equity 5.20b)
RoCE = 19.35% (Ebit 1.46b / (Equity 5.20b + L.T.Debt 2.33b))
RoIC = 14.74% (NOPAT 1.17b / Invested Capital 7.97b)
WACC = 7.43% (E(11.52b)/V(14.31b) * Re(8.98%)) + (D(2.79b)/V(14.31b) * Rd(1.25%) * (1-Tc(0.19)))
Shares Correlation 3-Years: -96.97 | Cagr: -1.53%
Discount Rate = 8.98% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 74.97% ; FCFE base≈1.35b ; Y1≈1.35b ; Y5≈1.44b
Fair Price DCF = 265.9 (DCF Value 21.54b / Shares Outstanding 81.0m; 5y FCF grow -0.34% → 3.0% )
EPS Correlation: 92.46 | EPS CAGR: 16.47% | SUE: 0.12 | # QB: 0
Revenue Correlation: 75.60 | Revenue CAGR: 5.12% | SUE: N/A | # QB: None
Additional Sources for GL Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle