GLOBE LIFE INC (GL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:GL - US37959E1029 - Common Stock
138.97 USD
-0.85 (-0.61%)
138.97 USD
0 (0%)
Taking everything into account, GL scores 5 out of 10 in our fundamental rating. GL was compared to 148 industry peers in the Insurance industry. While GL has a great profitability rating, there are some minor concerns on its financial health. GL is not valued too expensively and it also shows a decent growth rate.
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.
- Each year in the past 5 years GL had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 3.77%, GL is in the better half of the industry, outperforming 74.66% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 20.22%, GL belongs to the top of the industry, outperforming 88.36% of the companies in the same industry.
- GL has a Return On Invested Capital of 4.33%. This is in the better half of the industry: GL outperforms 73.97% of its industry peers.
- GL had an Average Return On Invested Capital over the past 3 years of 3.96%. This is significantly below the industry average of 15.11%.
- The 3 year average ROIC (3.96%) for GL is below the current ROIC(4.33%), indicating increased profibility in the last year.
| 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
- Looking at the Profit Margin, with a value of 19.36%, GL belongs to the top of the industry, outperforming 88.36% of the companies in the same industry.
- In the last couple of years the Profit Margin of GL has grown nicely.
- With an excellent Operating Margin value of 26.76%, GL belongs to the best of the industry, outperforming 89.04% 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.
- The number of shares outstanding for GL has been reduced compared to 1 year ago.
- The number of shares outstanding for GL has been reduced compared to 5 years ago.
- Compared to 1 year ago, GL has a worse debt to assets ratio.
2.2 Solvency
- Based on the Altman-Z score of 1.02, we must say that GL is in the distress zone and has some risk of bankruptcy.
- GL has a Altman-Z score of 1.02. This is amongst the best in the industry. GL outperforms 80.82% 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.
- With a Debt to FCF ratio value of 2.18, GL perfoms like the industry average, outperforming 50.68% of the companies in the same industry.
- 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 67.81% of its industry peers.
- Although GL does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 2.18 | ||
| Altman-Z | 1.02 |
ROIC/WACC0.54
WACC7.98%
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 77.40% 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 has a better Quick ratio (0.62) than 77.40% 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.
- Measured over the past years, GL shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.93% on average per year.
- The Revenue has been growing slightly by 3.73% in the past year.
- Measured over the past years, GL shows a small growth in Revenue. The Revenue has been growing by 5.00% on average per year.
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.
- The Revenue is expected to grow by 5.74% on average over the next years.
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
- GL is valuated reasonably with a Price/Earnings ratio of 9.72.
- GL's Price/Earnings ratio is a bit cheaper when compared to the industry. GL is cheaper than 65.07% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.47. GL is valued rather cheaply when compared to this.
- GL is valuated reasonably with a Price/Forward Earnings ratio of 8.99.
- Based on the Price/Forward Earnings ratio, GL is valued a bit cheaper than the industry average as 64.38% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, GL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.72 | ||
| Fwd PE | 8.99 |
4.2 Price Multiples
- GL's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. GL is cheaper than 67.81% of the companies in the same industry.
- GL's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.88 | ||
| EV/EBITDA | 6.57 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- The decent profitability rating of GL may justify a higher PE ratio.
PEG (NY)0.46
PEG (5Y)0.75
EPS Next 2Y11.76%
EPS Next 3Y10.99%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.76%, GL is not a good candidate for dividend investing.
- GL's Dividend Yield is slightly below the industry average, which is at 2.53.
- With a Dividend Yield of 0.76, GL pays less dividend than the S&P500 average, which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.76% |
5.2 History
- The dividend of GL is nicely growing with an annual growth rate of 7.26%!
- GL has paid a dividend for at least 10 years, which is 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%
138.97
-0.85 (-0.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-22 2025-10-22/amc
Earnings (Next)02-04 2026-02-04/amc
Inst Owners85.88%
Inst Owner Change0.15%
Ins Owners0.68%
Ins Owner Change1.05%
Market Cap11.06B
Revenue(TTM)5.94B
Net Income(TTM)1.15B
Analysts81.05
Price Target171.08 (23.11%)
Short Float %1.98%
Short Ratio2.88
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.76% |
Yearly Dividend0.96
Dividend Growth(5Y)7.26%
DP7.35%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-05 2026-01-05 (0.27)
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)0.87%
PT rev (3m)3.73%
EPS NQ rev (1m)-0.08%
EPS NQ rev (3m)-3.53%
EPS NY rev (1m)0%
EPS NY rev (3m)1.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.38%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.72 | ||
| Fwd PE | 8.99 | ||
| P/S | 1.86 | ||
| P/FCF | 8.88 | ||
| P/OCF | 8 | ||
| P/B | 1.94 | ||
| P/tB | 2.13 | ||
| EV/EBITDA | 6.57 |
EPS(TTM)14.29
EY10.28%
EPS(NY)15.46
Fwd EY11.13%
FCF(TTM)15.65
FCFY11.26%
OCF(TTM)17.37
OCFY12.5%
SpS74.63
BVpS71.46
TBVpS65.3
PEG (NY)0.46
PEG (5Y)0.75
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 | 1.02 |
F-Score9
WACC7.98%
ROIC/WACC0.54
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 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.
Can you provide the profitability details for GLOBE LIFE INC?
GLOBE LIFE INC (GL) has a profitability rating of 7 / 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 21.32% in the next year.