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Company Analysis

Globe Life Inc. GL

A comprehensive view of key metrics, scores, and financial health for Globe Life Inc.

Overview of Globe Life Inc.

GL NYQ
Financial Services Insurance - Life Framework: Insurance & Reinsurance Large Cap
Globe Life Inc. (GL), is a Large Cap company, in the Insurance - Life industry, last closed at $171.08, about 53.8% overvalued vs fair value, +21.3% 1Y return, ranked 455/1078 in sector.
Metrics P/E 9.9× Rev Growth 3.7% ROE 20.6% Gross Margin 33.4% Div Yield 0.77%
USD 171.08
-7.19%
(Delayed)
• Vol 90d: 23.1%
52-Week Range
Market Cap
$13.89B
Enterprise Value
$16.41B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Good
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats
No strong beats yet

Quick Facts

Website https://home.globelifeinsuranc...
HQ McKinney, TX
Employees 3,695
Fiscal year Dec 31

Next Events

Dividend Jul 31

Fair Value Snapshot

Bear Base Bull
$44
$79
$148
Current: $171.08 -54% vs base

Engine Room Money Flow™

Large Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$6.0B
3.7%%
Claims & Losses
$-4.0B
2.2%%
Acquisition & Admin Expenses
$-408.9M
Underwriting Result
$1.5B
10.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
66.6%
Fair

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$967.0M
83.3% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Globe Life Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
70
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Moderate
67
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing GL's balance between Growth (24.7%), Profitability (50.4%), and Safety (24.9%). Growth 25% Safety 25% Profitability 50%

Click axes to expand details. Marker shows current allocation.

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Growth

37th percentile vs peers
37
Key Signals
Rev Growth YoY 3.7% 30p Equity Growth YoY 12.6% 47p Revenue CAGR 3Y 4.7% 30p EPS Growth YoY 17.8% 47p Asset Growth YoY 6.0% 45p
Strengths
  • Net Profit Margin in top 20% of peers (19.4%, 81th percentile)
Risks
  • Growth below peer median (percentile: 37)

Profitability

76th percentile vs peers
76
Key Signals
Strengths
Risks
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Safety

37th percentile vs peers
38
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Globe Life Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$78.99
- - -
-53.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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