GLOBE LIFE INC (GL) Fundamental Analysis & Valuation

NYSE:GL • US37959E1029

Current stock price

152.56 USD
-1.41 (-0.92%)
At close:
152.56 USD
0 (0%)
After Hours:

This GL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. GL Profitability Analysis

1.1 Basic Checks

  • In the past year GL was profitable.
  • In the past year GL had a positive cash flow from operations.
  • GL had positive earnings in each of the past 5 years.
  • GL had a positive operating cash flow in each of the past 5 years.
GL Yearly Net Income VS EBIT VS OCF VS FCFGL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

1.2 Ratios

  • GL has a Return On Assets of 3.77%. This is in the better half of the industry: GL outperforms 66.67% of its industry peers.
  • GL has a Return On Equity of 19.44%. This is in the better half of the industry: GL outperforms 79.59% of its industry peers.
  • With a decent Return On Invested Capital value of 4.30%, GL is doing good in the industry, outperforming 68.71% of the companies in the same industry.
  • GL had an Average Return On Invested Capital over the past 3 years of 4.11%. This is significantly below the industry average of 9.51%.
  • The 3 year average ROIC (4.11%) for GL is below the current ROIC(4.30%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 3.77%
ROE 19.44%
ROIC 4.3%
ROA(3y)3.64%
ROA(5y)3.56%
ROE(3y)20.42%
ROE(5y)19.17%
ROIC(3y)4.11%
ROIC(5y)4.03%
GL Yearly ROA, ROE, ROICGL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • GL's Profit Margin of 19.37% is amongst the best of the industry. GL outperforms 81.63% of its industry peers.
  • In the last couple of years the Profit Margin of GL has grown nicely.
  • Looking at the Operating Margin, with a value of 26.60%, GL belongs to the top of the industry, outperforming 86.39% of the companies in the same industry.
  • GL's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 26.6%
PM (TTM) 19.37%
GM N/A
OM growth 3Y5.09%
OM growth 5Y5%
PM growth 3Y4.14%
PM growth 5Y4.64%
GM growth 3YN/A
GM growth 5YN/A
GL Yearly Profit, Operating, Gross MarginsGL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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5

2. GL Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so GL is destroying value.
  • GL has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, GL has less shares outstanding
  • Compared to 1 year ago, GL has an improved debt to assets ratio.
GL Yearly Shares OutstandingGL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
GL Yearly Total Debt VS Total AssetsGL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • Based on the Altman-Z score of 1.03, we must say that GL is in the distress zone and 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 79.59% of the companies in the same industry.
  • The Debt to FCF ratio of GL is 2.09, which is a good value as it means it would take GL, 2.09 years of fcf income to pay off all of its debts.
  • GL has a Debt to FCF ratio (2.09) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.44 indicates that GL is not too dependend on debt financing.
  • GL has a worse Debt to Equity ratio (0.44) than 64.63% of its industry peers.
  • Although GL's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 2.09
Altman-Z 1.03
ROIC/WACC0.53
WACC8.11%
GL Yearly LT Debt VS Equity VS FCFGL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.3 Liquidity

  • GL has a Current Ratio of 0.66. This is a bad value and indicates that GL is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 0.66, GL is in the better half of the industry, outperforming 76.19% of the companies in the same industry.
  • GL has a Quick Ratio of 0.66. This is a bad value and indicates that GL is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a decent Quick ratio value of 0.66, GL is doing good in the industry, outperforming 76.19% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.66
Quick Ratio 0.66
GL Yearly Current Assets VS Current LiabilitesGL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. GL Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 17.60% over the past year.
  • The Earnings Per Share has been growing by 16.18% on average over the past years. This is quite good.
  • Looking at the last year, GL shows a small growth in Revenue. The Revenue has grown by 3.74% in the last year.
  • Measured over the past years, GL shows a small growth in Revenue. The Revenue has been growing by 4.81% on average per year.
EPS 1Y (TTM)17.6%
EPS 3Y21.23%
EPS 5Y16.18%
EPS Q2Q%11.73%
Revenue 1Y (TTM)3.74%
Revenue growth 3Y4.75%
Revenue growth 5Y4.81%
Sales Q2Q%5.45%

3.2 Future

  • The Earnings Per Share is expected to grow by 9.03% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 5.78% on average over the next years.
EPS Next Y8.48%
EPS Next 2Y8.13%
EPS Next 3Y8.76%
EPS Next 5Y9.03%
Revenue Next Year5.81%
Revenue Next 2Y5.71%
Revenue Next 3Y6.18%
Revenue Next 5Y5.78%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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.
GL Yearly Revenue VS EstimatesGL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B
GL Yearly EPS VS EstimatesGL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5 10 15 20

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6

4. GL Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.24, the valuation of GL can be described as very reasonable.
  • GL's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 27.42, GL is valued rather cheaply.
  • A Price/Forward Earnings ratio of 8.97 indicates a reasonable valuation of GL.
  • GL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. GL is cheaper than 63.95% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of GL to the average of the S&P500 Index (22.24), we can say GL is valued rather cheaply.
Industry RankSector Rank
PE 10.24
Fwd PE 8.97
GL Price Earnings VS Forward Price EarningsGL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 65.31% of the companies in the same industry are more expensive than GL, based on the Enterprise Value to EBITDA ratio.
  • GL's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 9.54
EV/EBITDA 6.98
GL Per share dataGL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • GL has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.21
PEG (5Y)0.63
EPS Next 2Y8.13%
EPS Next 3Y8.76%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. GL Dividend Analysis

5.1 Amount

  • GL has a yearly dividend return of 0.86%, which is pretty low.
  • Compared to an average industry Dividend Yield of 2.37, GL is paying slightly less dividend.
  • With a Dividend Yield of 0.86, GL pays less dividend than the S&P500 average, which is at 1.81.
Industry RankSector Rank
Dividend Yield 0.86%

5.2 History

  • The dividend of GL is nicely growing with an annual growth rate of 7.43%!
  • GL has been paying a dividend for at least 10 years, so it has a reliable track record.
  • The dividend of GL decreased recently.
Dividend Growth(5Y)7.43%
Div Incr Years1
Div Non Decr Years1
GL Yearly Dividends per shareGL Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 7.41% of the earnings are spent on dividend by GL. This is a low number and sustainable payout ratio.
  • The dividend of GL is growing, but earnings are growing more, so the dividend growth is sustainable.
DP7.41%
EPS Next 2Y8.13%
EPS Next 3Y8.76%
GL Yearly Income VS Free CF VS DividendGL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B
GL Dividend Payout.GL Dividend Payout, showing the Payout Ratio.GL Dividend Payout.PayoutRetained Earnings

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GL Fundamentals: All Metrics, Ratios and Statistics

GLOBE LIFE INC

NYSE:GL (4/24/2026, 8:04:00 PM)

After market: 152.56 0 (0%)

152.56

-1.41 (-0.92%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-22
Earnings (Next)07-21
Inst Owners85.24%
Inst Owner Change-0.1%
Ins Owners0.74%
Ins Owner Change3.22%
Market Cap11.97B
Revenue(TTM)5.99B
Net Income(TTM)1.16B
Analysts80
Price Target172.98 (13.38%)
Short Float %1.94%
Short Ratio2.94
Dividend
Industry RankSector Rank
Dividend Yield 0.86%
Yearly Dividend1.06
Dividend Growth(5Y)7.43%
DP7.41%
Div Incr Years1
Div Non Decr Years1
Ex-Date04-02
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.7%
Min EPS beat(2)-4.18%
Max EPS beat(2)2.79%
EPS beat(4)1
Avg EPS beat(4)-2.9%
Min EPS beat(4)-8.15%
Max EPS beat(4)2.79%
EPS beat(8)2
Avg EPS beat(8)-0.89%
EPS beat(12)2
Avg EPS beat(12)-0.87%
EPS beat(16)3
Avg EPS beat(16)-1.06%
Revenue beat(2)0
Avg Revenue beat(2)-3.51%
Min Revenue beat(2)-3.7%
Max Revenue beat(2)-3.32%
Revenue beat(4)0
Avg Revenue beat(4)-3.69%
Min Revenue beat(4)-4.43%
Max Revenue beat(4)-3.3%
Revenue beat(8)0
Avg Revenue beat(8)-3.61%
Revenue beat(12)0
Avg Revenue beat(12)-3.82%
Revenue beat(16)0
Avg Revenue beat(16)-3.97%
PT rev (1m)-0.25%
PT rev (3m)0.52%
EPS NQ rev (1m)-0.93%
EPS NQ rev (3m)-1.26%
EPS NY rev (1m)0.54%
EPS NY rev (3m)1.93%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)0.25%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)0.47%
Valuation
Industry RankSector Rank
PE 10.24
Fwd PE 8.97
P/S 2
P/FCF 9.54
P/OCF 8.57
P/B 2
P/tB 2.18
EV/EBITDA 6.98
EPS(TTM)14.9
EY9.77%
EPS(NY)17
Fwd EY11.14%
FCF(TTM)15.98
FCFY10.48%
OCF(TTM)17.8
OCFY11.67%
SpS76.41
BVpS76.16
TBVpS69.91
PEG (NY)1.21
PEG (5Y)0.63
Graham Number159.787 (4.74%)
Profitability
Industry RankSector Rank
ROA 3.77%
ROE 19.44%
ROCE 5.38%
ROIC 4.3%
ROICexc 4.32%
ROICexgc 4.7%
OM 26.6%
PM (TTM) 19.37%
GM N/A
FCFM 20.92%
ROA(3y)3.64%
ROA(5y)3.56%
ROE(3y)20.42%
ROE(5y)19.17%
ROIC(3y)4.11%
ROIC(5y)4.03%
ROICexc(3y)4.13%
ROICexc(5y)4.04%
ROICexgc(3y)4.42%
ROICexgc(5y)4.3%
ROCE(3y)5.15%
ROCE(5y)5.04%
ROICexgc growth 3Y4.5%
ROICexgc growth 5Y8.67%
ROICexc growth 3Y4.22%
ROICexc growth 5Y7.99%
OM growth 3Y5.09%
OM growth 5Y5%
PM growth 3Y4.14%
PM growth 5Y4.64%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.19
Health
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 2.09
Debt/EBITDA 1.29
Cap/Depr 31.82%
Cap/Sales 2.38%
Interest Coverage 11.02
Cash Conversion 68.38%
Profit Quality 107.98%
Current Ratio 0.66
Quick Ratio 0.66
Altman-Z 1.03
F-Score8
WACC8.11%
ROIC/WACC0.53
Cap/Depr(3y)20.73%
Cap/Depr(5y)14.6%
Cap/Sales(3y)1.51%
Cap/Sales(5y)1.16%
Profit Quality(3y)126.64%
Profit Quality(5y)134.31%
High Growth Momentum
Growth
EPS 1Y (TTM)17.6%
EPS 3Y21.23%
EPS 5Y16.18%
EPS Q2Q%11.73%
EPS Next Y8.48%
EPS Next 2Y8.13%
EPS Next 3Y8.76%
EPS Next 5Y9.03%
Revenue 1Y (TTM)3.74%
Revenue growth 3Y4.75%
Revenue growth 5Y4.81%
Sales Q2Q%5.45%
Revenue Next Year5.81%
Revenue Next 2Y5.71%
Revenue Next 3Y6.18%
Revenue Next 5Y5.78%
EBIT growth 1Y8.06%
EBIT growth 3Y10.09%
EBIT growth 5Y10.06%
EBIT Next Year10.31%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-5.82%
FCF growth 3Y-3.47%
FCF growth 5Y-2.66%
OCF growth 1Y-0.43%
OCF growth 3Y-0.61%
OCF growth 5Y-1.11%

GLOBE LIFE INC / GL Fundamental Analysis FAQ

What is the fundamental rating for GL stock?

ChartMill assigns a fundamental rating of 5 / 10 to GL.


Can you provide the valuation status for GLOBE LIFE INC?

ChartMill assigns a valuation rating of 6 / 10 to GLOBE LIFE INC (GL). This can be considered as Fairly Valued.


What is the profitability of GL stock?

GLOBE LIFE INC (GL) has a profitability rating of 7 / 10.


What is the expected EPS growth for GLOBE LIFE INC (GL) stock?

The Earnings per Share (EPS) of GLOBE LIFE INC (GL) is expected to grow by 8.48% in the next year.


Is the dividend of GLOBE LIFE INC sustainable?

The dividend rating of GLOBE LIFE INC (GL) is 4 / 10 and the dividend payout ratio is 7.41%.