GLOBE LIFE INC (GL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GL - US37959E1029 - Common Stock
141.5 USD
-0.87 (-0.61%)
Overall GL gets a fundamental rating of 5 out of 10. We evaluated GL against 148 industry peers in the Insurance industry. GL scores excellent on profitability, but there are some minor concerns on its financial health. GL has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year GL was profitable.
GL had a positive operating cash flow in the past year.
In the past 5 years GL has always been profitable.
GL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 3.77%, GL is doing good in the industry, outperforming 74.32% of the companies in the same industry.
The Return On Equity of GL (20.22%) is better than 88.51% of its industry peers.
The Return On Invested Capital of GL (4.33%) is better than 72.30% of its industry peers.
The Average Return On Invested Capital over the past 3 years for GL is significantly below the industry average of 14.88%.
The last Return On Invested Capital (4.33%) for GL is above the 3 year average (3.96%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.77% | ||
| ROE | 20.22% | ||
| ROIC | 4.33% |
ROA(3y)3.53%
ROA(5y)3.31%
ROE(3y)21.49%
ROE(5y)16.95%
ROIC(3y)3.96%
ROIC(5y)3.76%
1.3 Margins
GL has a Profit Margin of 19.36%. This is amongst the best in the industry. GL outperforms 88.51% of its industry peers.
GL's Profit Margin has improved in the last couple of years.
With an excellent Operating Margin value of 26.76%, GL belongs to the best of the industry, outperforming 89.19% of the companies in the same industry.
GL's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 26.76% | ||
| PM (TTM) | 19.36% | ||
| GM | N/A |
OM growth 3Y-1.67%
OM growth 5Y2.45%
PM growth 3Y-2.72%
PM growth 5Y1.98%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so GL is destroying value.
Compared to 1 year ago, GL has less shares outstanding
The number of shares outstanding for GL has been reduced compared to 5 years ago.
The debt/assets ratio for GL is higher compared to a year ago.
2.2 Solvency
GL has an Altman-Z score of 1.03. This is a bad value and indicates that GL is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.03, GL is in the better half of the industry, outperforming 79.73% of the companies in the same industry.
GL has a debt to FCF ratio of 2.18. This is a good value and a sign of high solvency as GL would need 2.18 years to pay back of all of its debts.
GL's Debt to FCF ratio of 2.18 is in line compared to the rest of the industry. GL outperforms 51.35% of its industry peers.
A Debt/Equity ratio of 0.48 indicates that GL is not too dependend on debt financing.
GL has a Debt to Equity ratio of 0.48. This is in the lower half of the industry: GL underperforms 67.57% of its industry peers.
Even though the debt/equity ratio score it not favorable for GL, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 2.18 | ||
| Altman-Z | 1.03 |
ROIC/WACC0.55
WACC7.94%
2.3 Liquidity
A Current Ratio of 0.62 indicates that GL may have some problems paying its short term obligations.
GL has a Current ratio of 0.62. This is in the better half of the industry: GL outperforms 75.00% of its industry peers.
GL has a Quick Ratio of 0.62. This is a bad value and indicates that GL is not financially healthy enough and could expect problems in meeting its short term obligations.
GL's Quick ratio of 0.62 is fine compared to the rest of the industry. GL outperforms 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.62 | ||
| Quick Ratio | 0.62 |
3. Growth
3.1 Past
GL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.69%, which is quite good.
The Earnings Per Share has been growing by 12.93% on average over the past years. This is quite good.
GL shows a small growth in Revenue. In the last year, the Revenue has grown by 3.73%.
GL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.00% yearly.
EPS 1Y (TTM)18.69%
EPS 3Y21.75%
EPS 5Y12.93%
EPS Q2Q%37.82%
Revenue 1Y (TTM)3.73%
Revenue growth 3Y4.1%
Revenue growth 5Y5%
Sales Q2Q%3.96%
3.2 Future
GL is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.00% yearly.
Based on estimates for the next years, GL will show a small growth in Revenue. The Revenue will grow by 5.74% on average per year.
EPS Next Y21.32%
EPS Next 2Y11.76%
EPS Next 3Y10.99%
EPS Next 5Y10%
Revenue Next Year7.24%
Revenue Next 2Y6.27%
Revenue Next 3Y5.82%
Revenue Next 5Y5.74%
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 9.90 indicates a reasonable valuation of GL.
GL's Price/Earnings ratio is a bit cheaper when compared to the industry. GL is cheaper than 64.19% of the companies in the same industry.
When comparing the Price/Earnings ratio of GL to the average of the S&P500 Index (26.50), we can say GL is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.15, the valuation of GL can be described as very reasonable.
Based on the Price/Forward Earnings ratio, GL is valued a bit cheaper than 64.19% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of GL to the average of the S&P500 Index (23.93), we can say GL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.9 | ||
| Fwd PE | 9.15 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GL indicates a somewhat cheap valuation: GL is cheaper than 68.92% of the companies listed in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as GL.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.04 | ||
| EV/EBITDA | 6.68 |
4.3 Compensation for Growth
GL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
GL has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.46
PEG (5Y)0.77
EPS Next 2Y11.76%
EPS Next 3Y10.99%
5. Dividend
5.1 Amount
GL has a yearly dividend return of 0.78%, which is pretty low.
GL's Dividend Yield is slightly below the industry average, which is at 2.30.
With a Dividend Yield of 0.78, GL pays less dividend than the S&P500 average, which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.78% |
5.2 History
The dividend of GL is nicely growing with an annual growth rate of 7.26%!
GL has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)7.26%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
7.35% of the earnings are spent on dividend by GL. This is a low number and sustainable payout ratio.
GL's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP7.35%
EPS Next 2Y11.76%
EPS Next 3Y10.99%
NYSE:GL (12/24/2025, 9:30:43 AM)
141.5
-0.87 (-0.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners85.9%
Inst Owner Change-3.32%
Ins Owners0.68%
Ins Owner Change0.49%
Market Cap11.26B
Revenue(TTM)5.94B
Net Income(TTM)1.15B
Analysts81
Price Target171.08 (20.9%)
Short Float %2.06%
Short Ratio2.92
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.78% |
Yearly Dividend0.96
Dividend Growth(5Y)7.26%
DP7.35%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.37%
Min EPS beat(2)-2.04%
Max EPS beat(2)2.79%
EPS beat(4)1
Avg EPS beat(4)-2.44%
Min EPS beat(4)-8.15%
Max EPS beat(4)2.79%
EPS beat(8)2
Avg EPS beat(8)-0.43%
EPS beat(12)3
Avg EPS beat(12)-0.49%
EPS beat(16)3
Avg EPS beat(16)-1.2%
Revenue beat(2)0
Avg Revenue beat(2)-3.88%
Min Revenue beat(2)-4.43%
Max Revenue beat(2)-3.32%
Revenue beat(4)0
Avg Revenue beat(4)-3.66%
Min Revenue beat(4)-4.43%
Max Revenue beat(4)-3.3%
Revenue beat(8)0
Avg Revenue beat(8)-3.38%
Revenue beat(12)0
Avg Revenue beat(12)-3.83%
Revenue beat(16)0
Avg Revenue beat(16)-3.86%
PT rev (1m)0.76%
PT rev (3m)4.7%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.45%
EPS NY rev (1m)0.15%
EPS NY rev (3m)1.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.38%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)-0.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.9 | ||
| Fwd PE | 9.15 | ||
| P/S | 1.9 | ||
| P/FCF | 9.04 | ||
| P/OCF | 8.15 | ||
| P/B | 1.98 | ||
| P/tB | 2.17 | ||
| EV/EBITDA | 6.68 |
EPS(TTM)14.29
EY10.1%
EPS(NY)15.46
Fwd EY10.93%
FCF(TTM)15.65
FCFY11.06%
OCF(TTM)17.37
OCFY12.27%
SpS74.63
BVpS71.46
TBVpS65.3
PEG (NY)0.46
PEG (5Y)0.77
Graham Number151.58
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.77% | ||
| ROE | 20.22% | ||
| ROCE | 5.42% | ||
| ROIC | 4.33% | ||
| ROICexc | 4.37% | ||
| ROICexgc | 4.74% | ||
| OM | 26.76% | ||
| PM (TTM) | 19.36% | ||
| GM | N/A | ||
| FCFM | 20.97% |
ROA(3y)3.53%
ROA(5y)3.31%
ROE(3y)21.49%
ROE(5y)16.95%
ROIC(3y)3.96%
ROIC(5y)3.76%
ROICexc(3y)3.97%
ROICexc(5y)3.78%
ROICexgc(3y)4.24%
ROICexgc(5y)3.99%
ROCE(3y)4.95%
ROCE(5y)4.7%
ROICexgc growth 3Y2.76%
ROICexgc growth 5Y5.11%
ROICexc growth 3Y1.85%
ROICexc growth 5Y4.53%
OM growth 3Y-1.67%
OM growth 5Y2.45%
PM growth 3Y-2.72%
PM growth 5Y1.98%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.19
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 2.18 | ||
| Debt/EBITDA | 1.36 | ||
| Cap/Depr | 33.41% | ||
| Cap/Sales | 2.31% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 69.14% | ||
| Profit Quality | 108.29% | ||
| Current Ratio | 0.62 | ||
| Quick Ratio | 0.62 | ||
| Altman-Z | 1.03 |
F-Score9
WACC7.94%
ROIC/WACC0.55
Cap/Depr(3y)11.62%
Cap/Depr(5y)9.69%
Cap/Sales(3y)0.89%
Cap/Sales(5y)0.86%
Profit Quality(3y)142.61%
Profit Quality(5y)151.92%
High Growth Momentum
Growth
EPS 1Y (TTM)18.69%
EPS 3Y21.75%
EPS 5Y12.93%
EPS Q2Q%37.82%
EPS Next Y21.32%
EPS Next 2Y11.76%
EPS Next 3Y10.99%
EPS Next 5Y10%
Revenue 1Y (TTM)3.73%
Revenue growth 3Y4.1%
Revenue growth 5Y5%
Sales Q2Q%3.96%
Revenue Next Year7.24%
Revenue Next 2Y6.27%
Revenue Next 3Y5.82%
Revenue Next 5Y5.74%
EBIT growth 1Y7.81%
EBIT growth 3Y2.36%
EBIT growth 5Y7.57%
EBIT Next Year11.26%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-12.16%
FCF growth 3Y-1.65%
FCF growth 5Y0.15%
OCF growth 1Y-5.48%
OCF growth 3Y-0.82%
OCF growth 5Y0.56%
GLOBE LIFE INC / GL FAQ
What is the ChartMill fundamental rating of GLOBE LIFE INC (GL) stock?
ChartMill assigns a fundamental rating of 5 / 10 to GL.
What is the valuation status of GLOBE LIFE INC (GL) stock?
ChartMill assigns a valuation rating of 6 / 10 to GLOBE LIFE INC (GL). This can be considered as Fairly Valued.
Can you provide the profitability details for GLOBE LIFE INC?
GLOBE LIFE INC (GL) has a profitability rating of 7 / 10.
What is the financial health of GLOBE LIFE INC (GL) stock?
The financial health rating of GLOBE LIFE INC (GL) is 4 / 10.
What is the earnings growth outlook for GLOBE LIFE INC?
The Earnings per Share (EPS) of GLOBE LIFE INC (GL) is expected to grow by 21.32% in the next year.