Stock Analysis
Globe Life Inc.GL
P/E 10.70×· 5Y range 6.24–18.46×· 26th percentile of history
Sector: Financial Services · Industry: Life Insurance
AnalystsStrong Buy23 analystsP/E 10.7× sits at the 26th percentile of its 5.086926762491444-year history.
Cash covers 12% of debt · FY 2025.
PMP Verdict
High quality, fairly valued
Strengths
- Quality92
- Profitability77
Strong fundamentals at a reasonable valuation.
Bull Case
- ✓Piotroski F-Score 7/9 — high earnings quality
- ✓ROE 20.3% — efficient capital deployment
- ✓Interest coverage 10.9× — debt well covered
What's happening with GL
Profile
Strong earnings quality, valuation and profitability.
How is each axis scored?
- Valuation90/100 · Strong
- P/E vs own history (26th pct)20/25
- FCF yield (9.5%)25/25
- P/S (2.1x)20/25
- EV/EBIT (9.7x)25/25
- Growth51/100 · Moderate
- Revenue CAGR (4.1%)6/25
- Net income CAGR (11.7%)20/25
- EPS CAGR 5Y (18.0%)20/25
- Fwd implied growth (2.8%)5/25
- Profitability77/100 · Strong
- ROIC (15.0%)12/25
- ROE (20.3%)20/25
- Net margin (19.6%)20/25
- Operating margin (25.4%)25/25
- Financial Health54/100 · Moderate
- Altman Z (1.07)3/25
- Current ratio (0.70)6/25
- Interest coverage (10.9x)25/25
- Net cash / debt (D/A 7%)20/25
- Quality92/100 · Strong
- Piotroski F (7/9)22/25
- Beneish M (-2.46)20/25
- FCF conversion (102%)25/25
- Margin stability (σ 3.9%)25/25
- Moat56/100 · Moderate
- ROIC >12% years (3/7 yrs)6/25
- Median gross margin (n/a)0/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 14.0%)25/25
Risk Flags
- ⚠Altman Z 1.1 — distress-zone balance sheet
About Globe Life Inc.
Globe Life Inc is an insurance holding company. Show more
It provides a variety of life and supplemental health insurance products and annuities to a broad base of customers. The company's core operations are organized into three reportable segments: life insurance, supplemental health insurance and investments. Investment activities, conducted by the investment segment, focus on seeking investments with a yield and term appropriate to support the insurance product obligations. These investments generally consist of fixed maturities and, over the long term, the expected yields are considered when setting insurance premium rates and product profitability expectations.
Headquarters: MCKINNEY, TX · Employees: 3,695 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
90A+P/E (TTM)10.7xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 6.2x–18.5x · 26th pct
P/FCF10.4xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield9.5%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 7.6%–20.9% · 10th pct
P/S (TTM)2.09xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 1.1x–2.7x · 52nd pct
EV/EBIT9.7xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 6.9x–17.3x · 5th pct
EV/Sales2.5xB
Grade B: FairEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E10.4xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio2.17xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.55A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield0.70%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio7.5%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
77B+ROIC15.0%C
Grade C: AverageNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE20.3%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA3.9%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin19.6%A
Grade A: HighNet Income / Revenue
Operating Margin25.4%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin19.9%A
Grade A: HighFCF / Revenue
True FCF Margin19.9%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
51CRevenue CAGR4.1%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR11.7%C
Grade C: OkCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)18.0%A
Grade A: HighCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth2.8%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-26.4%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
54CAltman Z-Score1.07D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.70xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.70xC
Grade C: Ok(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage10.9xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment1.9yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT1.5xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.44xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.12xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
92A+Piotroski F-Score7/9A
Grade A: StrongFinancial strength 0–9. >7 Strong
Beneish M-Score-2.46A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion101.7%A
Grade A: StrongFCF / Net Income
Margin Stability3.9%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue2.6%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.20xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Hensley Robert Edward Filed | Hensley Robert Edward | Option exercise | -10000 | |
Hensley Robert Edward Filed | Hensley Robert Edward | SellOpen market sale | -6656 | |
Hensley Robert Edward Filed | Hensley Robert Edward | SellOpen market sale | -3344 | |
Hensley Robert Edward Filed | Hensley Robert Edward | Option exercise | +10.0K | |
MITCHELL ROBERT BRIAN Filed | MITCHELL ROBERT BRIAN | Option exercise | -23000 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
MITCHELL ROBERT BRIAN Filed | MITCHELL ROBERT BRIAN | SellOpen market sale | -1017 | |
MITCHELL ROBERT BRIAN Filed | MITCHELL ROBERT BRIAN | SellOpen market sale | -10529 | |
MITCHELL ROBERT BRIAN Filed | MITCHELL ROBERT BRIAN | SellOpen market sale | -11454 |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
56CROIC >12% Years3/7 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor14.0%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$15.77
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$0.91
Cash & short-term investments per share (Finnhub)
Book Value / Share$79.89
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$2.63B
Total debt obligations (short + long term)
Cash & Equiv.$314.71M
Cash and short-term investments
Net Debt$2.31B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$5.97B
Shareholders' equity (book value)
Asset / Liability1.24xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$12.97B
Current Market Capitalization
Beta0.45B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Globe Life Inc. (GL)
GL is up 0.70% at the last close. Globe Life Inc. meets 7 of 9 Piotroski F-Score criteria, placing its fundamental strength in the top tier of US-listed stocks. Altman Z-Score of 1.07 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.46 suggests a low likelihood of earnings manipulation.
- Globe Life Inc. converts about 20% of revenue into free cash flow — strong cash generation.
- Takes ~1.9 years to repay net debt from free cash flow.
- At a valuation score of 90/100, GL trades near the cheapest end of its own historical range (P/E 10.7).
- Return on equity of 20.3% is well above the market average.
See how GL ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all GL moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 8 | Regular | 166.16 | +1.68% | 2.92 |
| Oct 8 | After-hours | 166.08 | +1.63% | 2.84 |
| Oct 7 | Regular | 164.16 | -1.27% | -2.06 |
| Oct 7 | After-hours | 163.41 | -1.73% | -2.86 |
Frequently Asked Questions about GL
What is the current Globe Life Inc. (GL) stock price?
GL is trading at $168.77 at the last market close, up 0.70% on the session. PreMarketPrice tracks GL pre-market, intraday and after-hours prices.
Is GL stock a buy right now?
PreMarketPrice's quantitative model rates Globe Life Inc.'s financial health at 54/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is GL stock overvalued?
Globe Life Inc. trades at a trailing P/E of 10.7 and our valuation score rates it 90/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Globe Life Inc. report earnings?
No confirmed earnings date is currently scheduled for GL. The Earnings section lists recent reports and updates as dates are announced.
What sector does Globe Life Inc. operate in?
Globe Life Inc. operates in the Financial Services sector, within the Life Insurance industry. The Related Stocks section lists sector peers for comparison.
What does Globe Life Inc. do?
Globe Life Inc is an insurance holding company.
About Globe Life Inc. (GL) Stock
Globe Life Inc. (GL) is a US-listed stock operating in the Financial Services sector, specifically the Life Insurance industry. As of the latest update, Globe Life Inc. is trading at $168.77, up 0.70% on the day with a market capitalization of $13.0 billion. The financial health score for GL is 54/100, which indicates moderate financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for GL stock.
GL Stock Analysis & Key Metrics
On PreMarketPrice, you can track Globe Life Inc. (GL) across multiple dimensions:
- Pre-market price & movement: Real-time GL stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for GL with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Globe Life Inc. across multiple reporting periods.
- Financial health score: A composite score of 54/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for GL.
- Sector peers: Compare GL against 6 other financial services stocks on key financial metrics.
Is GL a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Globe Life Inc. (GL) as an investment. The financial health score of 54/100 suggests moderate financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Globe Life Inc. (GL) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.