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Globe Life Inc.
GL: NYSELowest reading is at 37 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Frank Martin Svoboda
Market Cap
12.84 Billion USD
Sector
Financial Services
Website
https://home.globelifeinsurance.comLast Update
27/09/2026, 13:23:54
Description
Globe Life Inc., through its subsidiaries, provides various life and supplemental health insurance products to lower middle- and middle-income families in the United States.
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Strongest readings
- ✔Share count has been falling at 5.16% per year
- ✔Financial health is strong (health score 78 out of 100)
- ✔Debt is low at 0.44 times equity
- ✔Dividend cover is strong (dividend score 70 out of 100)
- ✔Price-to-earnings of 11.0 is below the market average of 19.6
Weakest readings
- ✘Revenue is growing at 4.22% per year while free cashflow is falling
- ✘Earnings and cashflow growth is weak (growth score 37 out of 100)
- ✘The current price sits above estimated fair value (margin of safety -24.11%)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings (TTM) | 10.96x | 19.60x | |
| ✘ | Margin of safety (DCF) | -24.11% | 17.95% | |
| ✘ | Revenue growth (5y average) | 4.22% | 10.97% | |
| ✘ | Dividend yield (TTM) | 0.71% | 1.85% | |
| ✔ | Share count, per year | -5.16% | 0.00% | |
| Return on capital employed | N/A | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
72 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings | 10.96x | 19.60x | |
| ✔ | Free cashflow yield | 9.60% | 4.70% | |
| ✔ | Price / earnings growth | 0.58x | 1.50x | |
| Price / book | 2.09x | — | ||
| ✘ | Margin of safety | -24.11% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of 126.76 USD is below the current price of 167.04 USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 320 USD ✔
Current Price: 167 USD
How Does This Work?
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This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
37 / 100Growing more slowly than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 4.22% | 10.97% | |
| ✔ | Earnings growth | 17.43% | 14.48% | |
| ✘ | Cashflow growth | -2.46% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Revenue growth has improved this year (5.24% against a five year average of 4.22%)
- ✔Earnings growth has improved this year (22.42% against a five year average of 17.43%)
- ✘Free cashflow growth has slowed this year
- ✘Revenue is growing at 4.22% per year while free cashflow is falling at 2.46% per year
Health
78 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✔ | Debt / equity | 0.44x | 0.80x | |
| ✔ | Debt / total capital | 0.31x | 1.00x | |
| Equity / assets | 19.39% | — | ||
| ✔ | Interest coverage | 12.36x | 2.50x | |
| Underwriting loss ratio | 58.98% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
70 / 100Covered by both earnings and cashflow.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Dividend yield | 0.71% | 1.85% | |
| ✔ | Dividend growth | 0.68% | 0.00% | |
| ✔ | Payout ratio (earnings) | 7.47% | 40.00% | |
| ✔ | Payout ratio (cashflow) | 7.35% | 65.00% | |
| ✔ | Worst year, last 5 years | 4.89% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Dividend growth has been slowing recently
Management
75 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Return on equity | 19.44% | 15.00% | |
| Return on capital employed | N/A | 10.00% | ||
| Return on assets | 3.77% | — | ||
| Free cashflow return on capital | 4.07% | — | ||
| ✔ | Return on capital, 5y change | 0.92% | 0.00% | |
| ✔ | Share count, per year | -5.16% | 0.00% | |
| ✔ | Share count, recent | -5.56% | 0.00% | |
| ✔ | Realized buyback return | 7.60% | 0.00% | |
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 43.04% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Shares were repurchased while the value score was 72 out of 100
- ✘Return on equity of 19.44% is driven by debt rather than operations, because return on capital employed is only N/A
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
GL
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Globe Life Inc.
Currency
USD
Beta
0.462
Vol Avg
553374
Ceo
Mr. Frank Martin Svoboda
Cik
0000320335
Cusip
Exchange
NYSE
Full Time Employees
3695
Industry
Insurance - Life
Sector
Financial Services
Ipo Date
Address
7677 Henneman Way
City
McKinney
State
TX
Country
United States
Zip
75070
Phone
972 569 4000
Analysis Last Updated
27/09/2026, 13:23:54
Financial data compiled from SEC EDGAR filings and Yahoo Finance.