GL Stock Analysis: Globe Life | NYSE
Insurance - Life | NYSE, USA | Market Cap: 13.922m USD | 12M Return: 45% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 102M
EPS Trend: 99.4%
Qual. Beats: 0
Rev. Trend: 95.3%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 10.5 years of data
Average return per month, with how dependable it is below — did the month move the same way every year (high) or randomly (low). Above 60 is a pattern worth trusting; under 40 is noise.
Globe Life Inc. (NYSE: GL) provides life and supplemental health insurance products targeted at lower middle- and middle-income families in the United States. The company operates through three segments: Life Insurance, Supplemental Health Insurance, and Investments, offering a range of products including whole, term, and childrens life insurance, as well as Medicare supplements, accident, cancer, critical illness, and other limited-benefit health products, along with final expense and mortgage protection coverage. Distribution is conducted through direct-to-consumer channels, exclusive independent agents, general agency independent agents, and brokers.
The company was originally founded in 1900 and is headquartered in McKinney, Texas. It was formerly known as Torchmark Corporation before rebranding to Globe Life Inc. in August 2019. As a large-cap issuer in the Life & Health Insurance sub-industry, Globe Lifes business model reflects a focus on serving middle-market households, a demographic segment often underserved by larger national insurers, with products that are typically lower-ticket but sold at high volumes through agent-driven and direct distribution networks.
- Life Insurance net sales growth drives premium revenue expansion
- Supplemental Health benefit ratio trends shape underwriting margins
- Investment portfolio yield expansion lifts net investment income
- Share repurchase program reduces share count and supports EPS
| 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 (2.34b) to EBITDA (1.51b): 1.54 < 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 32.41%; Δ 5.66% > 0.5%) |
| Asset Turnover: 20.04% > 50% (prev 19.67%; Δ 0.37% > 0%) |
| Interest Coverage Ratio: 10.80 > 6 (EBIT TTM 1.51b / Interest Expense TTM 140.2m) |
| A: 0.01 (Total Current Assets 1.46b - Total Current Liabilities 1.29b) / Total Assets 31.0b |
| B: 0.28 (Retained Earnings 8.79b / Total Assets 31.0b) |
| C: 0.05 (EBIT TTM 1.51b / Avg Total Assets 30.3b) |
| D: 0.24 (Book Value of Equity 6.08b / Total Liabilities 24.9b) |
| Altman-Z'' = 1.55 = BB |
| DSRI: 0.71 (Receivables 727.5m/979.1m, Revenue 6.08b/5.84b) |
| GMI: 0.85 (GM 32.41% / 38.07%) |
| 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 31.0b) |
| Beneish M = -2.39 (Cap -4..+1) = BBB |
As of July 01, 2026, the stock is trading at USD 179.25 with a total of 875,278 shares traded. Over the past week, the price has changed by +1.77%, over one month by +17.46%, over three months by +28.69% and over the past year by +44.99%.
Current recommended Stop Loss: 174.30 (which is 2.8% 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 | 177.4 | -1.1% |
P/E Trailing = 12.409
P/E Forward = 10.4384
P/S = 2.2923
P/B = 2.2882
P/EG = 1.3005
Revenue TTM = 6.08b USD
EBIT TTM = 1.51b USD
EBITDA TTM = 1.51b USD
Long Term Debt = 2.32b USD (from longTermDebt, last quarter)
Short Term Debt = 457.0m USD (from shortTermDebt, last quarter)
Debt = 2.78b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.34b USD (calculated: Debt 2.78b - CCE 439.0m)
Enterprise Value = 16.3b USD (13.9b + Debt 2.78b - CCE 439.0m)
Interest Coverage Ratio = 10.80 (Ebit TTM 1.51b / Interest Expense TTM 140.2m)
EV/FCF = 13.22x (Enterprise Value 16.3b / FCF TTM 1.23b)
FCF Yield = 7.56% (FCF TTM 1.23b / Enterprise Value 16.3b)
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 = 0.53 (Enterprise Value 16.3b / Total Assets 31.0b)
Interest Expense / Debt = 5.05% (Interest Expense 140.2m / Debt 2.78b)
Taxrate = 19.25% (280.7m / 1.46b)
NOPAT = 1.22b (EBIT 1.51b * (1 - 19.25%))
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 = 1.54 (Net Debt 2.34b / EBITDA 1.51b)
Debt / FCF = 1.90 (Net Debt 2.34b / FCF TTM 1.23b)
Total Stockholder Equity = 5.79b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.88% (Net Income 1.18b / Total Assets 31.0b)
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 = 4.10% (NOPAT 1.22b / Invested Capital 29.8b)
WACC = 6.83% (E(13.9b)/V(16.7b) * Re(7.38%) + D(2.78b)/V(16.7b) * Rd(5.05%) * (1-Tc(0.19)))
Discount Rate = 7.38% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.56 | Cagr: -7.78%
[DCF] Terminal Value 73.49% ; FCFF base≈1.30b ; Y1≈1.17b ; Y5≈984.0m
[DCF] Fair Price = 172.2 (EV 15.7b - Net Debt 2.34b = Equity 13.4b / Shares 77.6m; r=8.35% [WACC [floored]]; 5y FCF grow -12.77% → 2.50% )
EPS Correlation: 99.41 | EPS CAGR: 17.47% | SUE: -0.26 | # QB: 0
Revenue Correlation: 95.35 | Revenue CAGR: 6.92% | SUE: -0.57 | # QB: 0
EPS next Quarter (2026-09-30): EPS=4.70 | Chg30d=+1.16% | Revisions=+50% | Analysts=8
EPS current Year (2026-12-31): EPS=15.65 | Chg30d=+0.28% | Revisions=+60% | GrowthEPS=+7.8% | GrowthRev=+6.8%
EPS next Year (2027-12-31): EPS=16.65 | Chg30d=+0.03% | Revisions=+50% | GrowthEPS=+6.4% | GrowthRev=+6.1%
[Analyst] Revisions Ratio: +60%