GLOBE LIFE INC (GL) Stock Fundamental Analysis

NYSE:GL • US37959E1029

142.29 USD
-0.36 (-0.25%)
At close: Feb 24, 2026
142.29 USD
0 (0%)
After Hours: 2/24/2026, 5:05:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to GL. GL was compared to 150 industry peers in the Insurance industry. GL has an average financial health and profitability rating. GL is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • GL had positive earnings in the past year.
  • GL had a positive operating cash flow in the past year.
  • In the past 5 years GL has always been profitable.
  • Of the past 5 years GL 4 years had a positive operating cash flow.
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 better Return On Assets (3.77%) than 74.67% of its industry peers.
  • GL has a Return On Equity of 20.22%. This is amongst the best in the industry. GL outperforms 87.33% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 4.32%, GL is in the better half of the industry, outperforming 70.67% of the companies in the same industry.
Industry RankSector Rank
ROA 3.77%
ROE 20.22%
ROIC 4.32%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
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

  • With an excellent Profit Margin value of 19.36%, GL belongs to the best of the industry, outperforming 87.33% of the companies in the same industry.
  • GL's Profit Margin has improved in the last couple of years.
  • GL has a better Operating Margin (26.76%) than 87.33% of its industry peers.
  • In the last couple of years the Operating Margin of GL has grown nicely.
Industry RankSector Rank
OM 26.76%
PM (TTM) 19.36%
GM N/A
OM growth 3Y4.71%
OM growth 5Y4.78%
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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4

2. Health

2.1 Basic Checks

  • GL has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • GL has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
GL Yearly Shares OutstandingGL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 5B 10B 15B 20B 25B

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.
  • GL's Altman-Z score of 1.03 is amongst the best of the industry. GL outperforms 82.00% of its industry peers.
  • The Debt to FCF ratio of GL is 2.18, which is a good value as it means it would take GL, 2.18 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 2.18, GL is in line with its industry, outperforming 52.00% of the companies in the same industry.
  • A Debt/Equity ratio of 0.48 indicates that GL is not too dependend on debt financing.
  • The Debt to Equity ratio of GL (0.48) is worse than 66.67% 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 RankSector Rank
Debt/Equity 0.48
Debt/FCF 2.18
Altman-Z 1.03
ROIC/WACC0.55
WACC7.83%
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 2B 4B 6B 8B

2.3 Liquidity

  • A Current Ratio of 0.62 indicates that GL may have some problems paying its short term obligations.
  • GL has a better Current ratio (0.62) than 76.00% of its industry peers.
  • A Quick Ratio of 0.62 indicates that GL may have some problems paying its short term obligations.
  • The Quick ratio of GL (0.62) is better than 76.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.62
Quick Ratio 0.62
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 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. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 17.45% over the past year.
  • The Earnings Per Share has been growing by 16.18% on average over the past years. This is quite good.
  • The Revenue has been growing slightly by 3.74% in the past 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)17.45%
EPS 3Y21.23%
EPS 5Y16.18%
EPS Q2Q%7.96%
Revenue 1Y (TTM)3.74%
Revenue growth 3Y4.75%
Revenue growth 5Y4.81%
Sales Q2Q%3.64%

3.2 Future

  • Based on estimates for the next years, GL will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.27% on average per year.
  • GL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.23% yearly.
EPS Next Y6.45%
EPS Next 2Y7.91%
EPS Next 3Y7.63%
EPS Next 5Y8.27%
Revenue Next Year5.3%
Revenue Next 2Y5.09%
Revenue Next 3Y5.24%
Revenue Next 5Y5.23%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
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

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5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.79, the valuation of GL can be described as reasonable.
  • Based on the Price/Earnings ratio, GL is valued a bit cheaper than 61.33% of the companies in the same industry.
  • GL is valuated cheaply when we compare the Price/Earnings ratio to 26.98, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 9.19 indicates a reasonable valuation of GL.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of GL indicates a somewhat cheap valuation: GL is cheaper than 60.67% of the companies listed in the same industry.
  • GL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.01.
Industry RankSector Rank
PE 9.79
Fwd PE 9.19
GL Price Earnings VS Forward Price EarningsGL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • GL's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 9.09
EV/EBITDA N/A
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.
  • The decent profitability rating of GL may justify a higher PE ratio.
PEG (NY)1.52
PEG (5Y)0.6
EPS Next 2Y7.91%
EPS Next 3Y7.63%

More info and screens

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

4

5. Dividend

5.1 Amount

  • GL has a yearly dividend return of 0.75%, which is pretty low.
  • GL's Dividend Yield is slightly below the industry average, which is at 2.62.
  • With a Dividend Yield of 0.75, GL pays less dividend than the S&P500 average, which is at 1.81.
Industry RankSector Rank
Dividend Yield 0.75%

5.2 History

  • On average, the dividend of GL grows each year by 7.26%, which is quite nice.
  • 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
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

  • GL pays out 7.35% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of GL is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP7.35%
EPS Next 2Y7.91%
EPS Next 3Y7.63%
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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GLOBE LIFE INC

NYSE:GL (2/24/2026, 5:05:00 PM)

After market: 142.29 0 (0%)

142.29

-0.36 (-0.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-04
Earnings (Next)04-28
Inst Owners85.88%
Inst Owner Change-1.39%
Ins Owners0.68%
Ins Owner Change0.77%
Market Cap11.33B
Revenue(TTM)5.99B
Net Income(TTM)1.15B
Analysts80
Price Target171.92 (20.82%)
Short Float %1.67%
Short Ratio2.56
Dividend
Industry RankSector Rank
Dividend Yield 0.75%
Yearly Dividend0.96
Dividend Growth(5Y)7.26%
DP7.35%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-05
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)-0.09%
PT rev (3m)1.26%
EPS NQ rev (1m)0.25%
EPS NQ rev (3m)-0.09%
EPS NY rev (1m)0.02%
EPS NY rev (3m)0.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)0.12%
Valuation
Industry RankSector Rank
PE 9.79
Fwd PE 9.19
P/S 1.91
P/FCF 9.09
P/OCF 8.19
P/B 1.99
P/tB 2.18
EV/EBITDA N/A
EPS(TTM)14.54
EY10.22%
EPS(NY)15.48
Fwd EY10.88%
FCF(TTM)15.65
FCFY11%
OCF(TTM)17.37
OCFY12.21%
SpS74.63
BVpS71.46
TBVpS65.3
PEG (NY)1.52
PEG (5Y)0.6
Graham Number152.9
Profitability
Industry RankSector Rank
ROA 3.77%
ROE 20.22%
ROCE 5.42%
ROIC 4.32%
ROICexc 4.36%
ROICexgc 4.73%
OM 26.76%
PM (TTM) 19.36%
GM N/A
FCFM 20.97%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y4.71%
OM growth 5Y4.78%
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 0.48
Debt/FCF 2.18
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 2.31%
Interest Coverage 250
Cash Conversion N/A
Profit Quality 108.29%
Current Ratio 0.62
Quick Ratio 0.62
Altman-Z 1.03
F-Score8
WACC7.83%
ROIC/WACC0.55
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)17.45%
EPS 3Y21.23%
EPS 5Y16.18%
EPS Q2Q%7.96%
EPS Next Y6.45%
EPS Next 2Y7.91%
EPS Next 3Y7.63%
EPS Next 5Y8.27%
Revenue 1Y (TTM)3.74%
Revenue growth 3Y4.75%
Revenue growth 5Y4.81%
Sales Q2Q%3.64%
Revenue Next Year5.3%
Revenue Next 2Y5.09%
Revenue Next 3Y5.24%
Revenue Next 5Y5.23%
EBIT growth 1Y7.81%
EBIT growth 3Y9.69%
EBIT growth 5Y9.82%
EBIT Next Year13.79%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-10.23%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-5.09%
OCF growth 3YN/A
OCF growth 5YN/A

GLOBE LIFE INC / GL 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 5 / 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 6 / 10.


How financially healthy is GLOBE LIFE INC?

The financial health rating of GLOBE LIFE INC (GL) is 4 / 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 6.45% in the next year.