GLOBE LIFE INC (GL) Fundamental Analysis & Valuation

NYSE:GL • US37959E1029

Current stock price

136.8 USD
-0.91 (-0.66%)
At close:
136.8 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

  • GL had positive earnings in the past year.
  • In the past year GL had a positive cash flow from operations.
  • Each year in the past 5 years GL has been profitable.
  • In the past 5 years GL always reported a positive cash flow from operatings.
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 69.59% of its industry peers.
  • GL's Return On Equity of 19.44% is amongst the best of the industry. GL outperforms 82.43% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 4.30%, GL is in the better half of the industry, outperforming 67.57% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for GL is significantly below the industry average of 9.34%.
  • 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 has a better Profit Margin (19.37%) than 83.78% 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 86.49% 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

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), GL is destroying value.
  • The number of shares outstanding for GL has been reduced compared to 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 1.00, we must say that GL is in the distress zone and has some risk of bankruptcy.
  • GL's Altman-Z score of 1.00 is amongst the best of the industry. GL outperforms 81.08% of its industry peers.
  • 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.
  • With a Debt to FCF ratio value of 2.09, GL perfoms like the industry average, outperforming 47.30% of the companies in the same industry.
  • GL has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
  • GL has a worse Debt to Equity ratio (0.44) than 64.19% 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 0.44
Debt/FCF 2.09
Altman-Z 1
ROIC/WACC0.53
WACC8.1%
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

  • A Current Ratio of 0.66 indicates that GL may have some problems paying its short term obligations.
  • GL has a Current ratio of 0.66. This is in the better half of the industry: GL outperforms 75.00% of its industry peers.
  • 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.
  • GL has a better Quick ratio (0.66) than 75.00% of its industry peers.
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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5

3. GL Growth Analysis

3.1 Past

  • GL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.45%, which is quite good.
  • 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 8.83% on average per year.
  • GL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.93% yearly.
EPS Next Y7.9%
EPS Next 2Y8.07%
EPS Next 3Y8.91%
EPS Next 5Y8.83%
Revenue Next Year5.91%
Revenue Next 2Y5.73%
Revenue Next 3Y6.23%
Revenue Next 5Y5.93%

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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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

  • GL is valuated reasonably with a Price/Earnings ratio of 9.41.
  • Compared to the rest of the industry, the Price/Earnings ratio of GL is on the same level as its industry peers.
  • The average S&P500 Price/Earnings ratio is at 25.23. GL is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 8.72, the valuation of GL can be described as very reasonable.
  • 62.16% of the companies in the same industry are more expensive than GL, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 22.42. GL is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.41
Fwd PE 8.72
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of GL indicates a somewhat cheap valuation: GL is cheaper than 66.22% of the companies listed in the same industry.
  • GL's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 8.58
EV/EBITDA 6.33
GL Per share dataGL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • GL's 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)1.19
PEG (5Y)0.58
EPS Next 2Y8.07%
EPS Next 3Y8.91%

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

4

5. GL Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.96%, GL is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.84, GL is paying slightly less dividend.
  • With a Dividend Yield of 0.96, GL pays less dividend than the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 0.96%

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.
Dividend Growth(5Y)7.43%
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

  • 7.41% of the earnings are spent on dividend by GL. This is a low number and sustainable payout ratio.
  • GL's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP7.41%
EPS Next 2Y8.07%
EPS Next 3Y8.91%
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 (3/20/2026, 8:04:00 PM)

After market: 136.8 0 (0%)

136.8

-0.91 (-0.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-04
Earnings (Next)04-28
Inst Owners85.24%
Inst Owner Change-1.35%
Ins Owners0.79%
Ins Owner Change3.17%
Market Cap10.76B
Revenue(TTM)5.99B
Net Income(TTM)1.16B
Analysts80
Price Target173.4 (26.75%)
Short Float %1.84%
Short Ratio2.8
Dividend
Industry RankSector Rank
Dividend Yield 0.96%
Yearly Dividend1.06
Dividend Growth(5Y)7.43%
DP7.41%
Div Incr Years0
Div Non Decr Years0
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)0.86%
PT rev (3m)1.36%
EPS NQ rev (1m)-0.03%
EPS NQ rev (3m)-0.48%
EPS NY rev (1m)1.36%
EPS NY rev (3m)1.46%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.31%
Revenue NY rev (1m)0.58%
Revenue NY rev (3m)0.58%
Valuation
Industry RankSector Rank
PE 9.41
Fwd PE 8.72
P/S 1.79
P/FCF 8.58
P/OCF 7.7
P/B 1.8
P/tB 1.96
EV/EBITDA 6.33
EPS(TTM)14.54
EY10.63%
EPS(NY)15.69
Fwd EY11.47%
FCF(TTM)15.94
FCFY11.66%
OCF(TTM)17.76
OCFY12.98%
SpS76.22
BVpS75.97
TBVpS69.74
PEG (NY)1.19
PEG (5Y)0.58
Graham Number157.65
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
F-Score8
WACC8.1%
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)17.45%
EPS 3Y21.23%
EPS 5Y16.18%
EPS Q2Q%7.96%
EPS Next Y7.9%
EPS Next 2Y8.07%
EPS Next 3Y8.91%
EPS Next 5Y8.83%
Revenue 1Y (TTM)3.74%
Revenue growth 3Y4.75%
Revenue growth 5Y4.81%
Sales Q2Q%3.64%
Revenue Next Year5.91%
Revenue Next 2Y5.73%
Revenue Next 3Y6.23%
Revenue Next 5Y5.93%
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 6 / 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 5 / 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 7.9% in the next year.