GL
Globe Life
$184.05
▼ 1.1%Updated Today 11:30 AM ET
GL at a glance — five pillars scored 0–100 from real filed financials.
Overall: Favorable · 65/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 42.6% over the last 12 months
Market Cap
$14.01B
P/E
11.95x
Forward P/E (est.)
10.15x
ROE
20.3%
Revenue Growth
4.0%
EPS Growth
17.7%
Profit Margin
19.4%
FCF Yield
—
Debt / Equity
0.44x
ROIC
13.0%
Interest Coverage
8.96x
Current Ratio
—
Dividend Yield
0.8%
Implied Growth (rev. DCF)
0.0%
Rating Score
65/100
Globe Life (GL) is a large-cap company in the Life & Health Insurance industry, part of the Financials sector of the S&P 500, with a market value around $14.01B.
In its latest reported year it generated about $5.99B in revenue and $1.16B in net profit.
Our model rates GL Favorable (65/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Evidence of durable competitive advantage in the filed financials (10 years of history).
Some durable-advantage evidence, but not across the board — dig into which ingredient is weak and whether it's cyclical or structural.
23.2% average over the last 3 years
±1.7 pts around 21.0% across 8 years
grew in 9 of the last 9 year-over-year periods
positive in 10 of 10 years
13.0% latest fiscal year
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what GL's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. GL trades near $184.05, above its 50-day average ($160.11) and 200-day average ($144.64). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 94 it is overbought — the recent rally is stretched and can cool off.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. GL's is $3.69 (~2.0% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month GL found buyers near $152.01 (support) and sellers near $182.32 (resistance); its 52-week range is $116.73–$182.32. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.9× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
4.1%
Revenue moved from $3.93B in 2016 to $5.99B in 2025, a 4.8% compound annual growth rate. The most recent year was roughly flat (4.0%) year over year. Slower, mature growth is common for established businesses.
Gross Margin
—
Operating Margin
26.3%
Net Margin
19.4%
ROE
20.3%
Globe Life keeps about 19.4% of each sales dollar as net profit. Return on equity is 20.3% and return on invested capital about 13.0%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
$1.63B
Net Debt
$1.59B
Net Debt / EBITDA
—
Debt / Equity
0.44x
Leverage: debt-to-equity is 0.4x, and operating profit covers interest about 9.0x. That is a conservative balance sheet — a cushion in downturns. It carries roughly $1.63B of total debt against $38.79M of cash.
Operating CF
$1.40B
Free Cash Flow
$1.25B
FCF Margin
20.9%
In the latest year Globe Life produced about $1.40B of operating cash flow and $1.25B of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The payout is comfortably covered by cash the business actually generates, with a raise habit behind it.
Dividend yield
0.8%
Per share (latest FY)
$1.08
Total paid (latest FY)
$86.07M
History on record
10 years
dividend uses 7% of free cash flow
7% of net income paid out
total dividends increased 9 years in a row
no cuts in the last 10 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
11.95x
P/S
2.17x
P/B
2.02x
EV / EBITDA
—
GL trades at 11.9x trailing earnings (about 10.2x on estimated forward earnings), 2.2x sales, and 2.0x book value. Reverse-engineering today's price implies the market expects roughly 0.0% long-term free-cash-flow growth. That is an undemanding multiple — potentially cheap if the business is stable.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$276.64
Current price
$184.05
Starting FCF (latest 10-K)
$1.25B
Growth, years 1–5
4.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where GL sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How GL stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), GL ranks #68 of 289 by our overall rating. It trades at a discount versus the sector on earnings (11.9x P/E vs. 15.8x median) with a higher return on equity (20.3% vs. 13.6%) and slower revenue growth (4.0% vs. 15.9%).
P/E vs sector
11.9x
median 15.8x
ROE vs sector
20.3%
median 13.6%
Growth vs sector
4.0%
median 15.9%
Sector rank
#68
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $184.05 today · expected CAGR -7% – 3%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $6.23B | $6.48B | $6.74B | $7.01B | $7.29B |
| Net income | $1.18B | $1.23B | $1.28B | $1.33B | $1.39B |
| EPS | $15.56 | $16.18 | $16.83 | $17.50 | $18.20 |
| Share price (low) | $108.89 | $113.25 | $117.78 | $122.49 | $127.39 |
| Share price (high) | $186.67 | $194.14 | $201.90 | $209.98 | $218.38 |
| CAGR (low–high) | -41% / 1% | -22% / 3% | -14% / 3% | -10% / 3% | -7% / 3% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for GL:
- High net margins (19.4%) point to pricing power or efficiency.
- Strong return on equity (20.3%) shows capital is put to work well.
- A conservative balance sheet (debt/equity 0.4x) lowers risk.
- Our model's overall read is Favorable (65/100).
The case against GL:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Globe Life is a large-cap financials business growing at a mature pace, with solid profitability, and a sound balance sheet. It trades at 11.9x earnings, which our model scores Favorable (65/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 23 Wall Street analysts covering GL recommend (August 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Latest SEC Filings
GL's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
In the Idea Lab
GL — frequently asked questions
Is GL a good stock to buy?
We don't give buy or sell advice. Our model rates Globe Life Favorable (65/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is GL's rating on The Stocks School?
Globe Life currently scores 65/100 (Favorable) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does GL's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Globe Life's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for GL calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this GL analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell GL. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.