Overview Dividends

(GL) Globe Life - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US37959E1029

Life, Health, Annuity

GL EPS (Earnings per Share)

EPS Growth (3Y CAGR): 32.04%
EPS Trend (3Y Correlation): 86.9%

GL Revenue

Revenue Growth (3Y CAGR): 5.01%
Revenue Trend (3Y Correlation): 77.3%

Risk via 10d forecast
Volatility	23.0%
Value at Risk 5%th	35.8%
Relative Tail Risk	-5.37%

Reward TTM
Sharpe Ratio	0.73
Alpha	12.18

Character TTM
Hurst Exponent	0.667
Beta	0.720
Beta Downside	0.922

Drawdowns 3y
Max DD	61.62%
Mean DD	11.02%
Median DD	8.90%

Description: GL Globe Life October 31, 2025

Globe Life Inc. (NYSE:GL) markets life and supplemental health insurance, plus annuity products, primarily to lower-middle- and middle-income families in the United States. The business is organized into three segments-Life Insurance, Supplemental Health Insurance, and Investments-and distributes its offerings through a direct-to-consumer channel, exclusive agency network, and independent agents. The company, originally founded in 1900 as Torchmark Corp., rebranded to Globe Life in August 2019 and is headquartered in McKinney, Texas.

As of the 2023 fiscal year, Globe Life reported $5.6 billion in net written premiums, a combined ratio of 94.5 % in its life-insurance segment, and a return on equity (ROE) of 12.3 %, indicating solid underwriting profitability. The firm’s investment portfolio generated $310 million of net investment income, reflecting the benefit of a higher-yielding interest-rate environment. Key sector drivers include the aging U.S. population-projected to push Medicare-eligible enrollment above 80 million by 2030-and the sensitivity of life-insurance carriers to interest-rate shifts, which affect both product pricing and the valuation of fixed-income assets.

For a deeper quantitative view, consider exploring ValueRay’s analyst dashboards to see how Globe Life’s valuation metrics compare to peers and to broader market expectations.

GL Stock Overview

Market Cap in USD	10,582m
Sub-Industry	Life & Health Insurance
IPO / Inception	1987-12-30
Return 12m vs S&P 500	7.10%
Analyst Rating	3.90 of 5

GL Dividends

Dividend Yield	0.99%
Yield on Cost 5y	1.46%
Yield CAGR 5y	6.41%
Payout Consistency	92.6%
Payout Ratio	7.4%

GL Growth Ratios

CAGR 3y	6.63%
CAGR/Max DD Calmar Ratio	0.11
CAGR/Mean DD Pain Ratio	0.60
Current Volume	487.4k
Average Volume	587.9k

Piotroski VR‑10 (Strict, 0-10) 5.0

Net Income (1.15b TTM) > 0 and > 6% of Revenue (6% = 356.5m TTM)

FCFTA 0.05 (>2.0%) and ΔFCFTA 0.06pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 8.87% (prev 7.85%; Δ 1.02pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.05 (>3.0%) and CFO 1.42b > Net Income 1.15b (YES >=105%, WARN >=100%)

Net Debt (2.57b) to EBITDA (1.56b) ratio: 1.65 <= 3.0 (WARN <= 3.5)

Current Ratio 2.27 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (82.0m) change vs 12m ago -6.89% (target <= -2.0% for YES)

Gross Margin 18.04% (prev 81.20%; Δ -63.16pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 20.26% (prev 19.38%; Δ 0.89pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 2.68 (EBITDA TTM 1.56b / Interest Expense TTM 141.7m) >= 6 (WARN >= 3)

Altman Z'' 1.37

(A) 0.02 = (Total Current Assets 942.3m - Total Current Liabilities 415.4m) / Total Assets 29.08b

(B) 0.28 = Retained Earnings (Balance) 8.00b / Total Assets 29.08b

(D) 0.26 = Book Value of Equity 6.07b / Total Liabilities 23.77b

Total Rating: 1.37 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 72.18

1. Piotroski 5.0pt = 0.0

2. FCF Yield 10.32% = 5.0

3. FCF Margin 22.70% = 5.67

4. Debt/Equity 0.52 = 2.37

5. Debt/Ebitda 1.65 = 0.68

6. ROIC - WACC (= -2.82)% = -3.53

7. RoE 22.13% = 1.84

8. Rev. Trend 77.34% = 5.80

9. EPS Trend 86.95% = 4.35

What is the price of GL shares?

As of November 15, 2025, the stock is trading at USD 133.16 with a total of 487,352 shares traded.
Over the past week, the price has changed by +1.01%, over one month by -2.42%, over three months by -4.02% and over the past year by +21.99%.

Is Globe Life a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Globe Life (NYSE:GL) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 72.18 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of GL is around 126.35 USD . This means that GL is currently overvalued and has a potential downside of -5.11%.

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.

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	166.5	25%
Analysts Target Price	166.5	25%
ValueRay Target Price	138.5	4%

GL Fundamental Data Overview November 05, 2025

Market Cap USD = 10.58b (10.58b USD * 1.0 USD.USD)
P/E Trailing = 9.4804
P/E Forward = 10.4384
P/S = 1.7812
P/B = 2.0843
Beta = 0.552
Revenue TTM = 5.94b USD
EBIT TTM = 380.5m USD
EBITDA TTM = 1.56b USD
Long Term Debt = 2.32b USD (from longTermDebt, last fiscal year)
Short Term Debt = 415.4m USD (from shortTermDebt, last fiscal year)
Debt = 2.74b USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 2.57b USD (from netDebt column, last fiscal year)
Enterprise Value = 13.07b USD (10.58b + Debt 2.74b - CCE 250.4m)
Interest Coverage Ratio = 2.68 (Ebit TTM 380.5m / Interest Expense TTM 141.7m)
FCF Yield = 10.32% (FCF TTM 1.35b / Enterprise Value 13.07b)
FCF Margin = 22.70% (FCF TTM 1.35b / Revenue TTM 5.94b)
Net Margin = 19.36% (Net Income TTM 1.15b / Revenue TTM 5.94b)
Gross Margin = 18.04% ((Revenue TTM 5.94b - Cost of Revenue TTM 4.87b) / Revenue TTM)
Gross Margin QoQ = -52.19% (prev 41.44%)
Tobins Q-Ratio = 0.45 (Enterprise Value 13.07b / Total Assets 29.08b)
Interest Expense / Debt = 1.32% (Interest Expense 36.1m / Debt 2.74b)
Taxrate = 18.71% (89.3m / 477.1m)
NOPAT = 309.3m (EBIT 380.5m * (1 - 18.71%))
Current Ratio = 2.27 (Total Current Assets 942.3m / Total Current Liabilities 415.4m)
Debt / Equity = 0.52 (Debt 2.74b / totalStockholderEquity, last fiscal year 5.31b)
Debt / EBITDA = 1.65 (Net Debt 2.57b / EBITDA 1.56b)
Debt / FCF = 1.91 (Net Debt 2.57b / FCF TTM 1.35b)
Total Stockholder Equity = 5.20b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.96% (Net Income 1.15b / Total Assets 29.08b)
RoE = 22.13% (Net Income TTM 1.15b / Total Stockholder Equity 5.20b)
RoCE = 5.06% (EBIT 380.5m / Capital Employed (Equity 5.20b + L.T.Debt 2.32b))
RoIC = 3.79% (NOPAT 309.3m / Invested Capital 8.16b)
WACC = 6.62% (E(10.58b)/V(13.32b) * Re(8.05%) + D(2.74b)/V(13.32b) * Rd(1.32%) * (1-Tc(0.19)))
Discount Rate = 8.05% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -7.31%
[DCF Debug] Terminal Value 78.32% ; FCFE base≈1.35b ; Y1≈1.35b ; Y5≈1.44b
Fair Price DCF = 314.6 (DCF Value 25.48b / Shares Outstanding 81.0m; 5y FCF grow -0.34% → 3.0% )
EPS Correlation: 86.95 | EPS CAGR: 32.04% | SUE: 1.78 | # QB: 1
Revenue Correlation: 77.34 | Revenue CAGR: 5.01% | SUE: -0.52 | # QB: 0

Additional Sources for GL Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle