GL
NEUTRAL
$152.07
Live
Globe Life Inc. · NYSE
Target $172.91
(+13.7%)
$111.13
52W Range
$155.08
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 28, 2026
Market cap
$11.93B
P/E
10.52
ROE
20.5%
Profit margin
19.4%
Debt/Equity
0.46
Dividend yield
0.87%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
Globe Life Inc. presents a stark contrast between attractive valuation and deteriorating fundamental health. While the stock trades below its Graham Number ($159.37) and maintains a strong ROE of 20.46%, the Piotroski F-Score of 2/9 indicates significant weakness in financial quality and operational efficiency. This fundamental decay is compounded by bearish insider sentiment, including sales by the CEO and CIO, and a low current ratio of 0.66 suggesting liquidity constraints. Despite analyst 'buy' recommendations, the deterministic health markers suggest a high-risk profile that offsets the low P/E multiple.
Key Strengths
Attractive valuation with a P/E of 10.52, well below sector averages
Strong Return on Equity (ROE) of 20.46%
Low Debt/Equity ratio of 0.46 indicating manageable leverage
Consistent long-term earnings growth (12.60% YoY)
Very low dividend payout ratio (7.89%) providing significant room for future increases
Key Risks
Critical financial health warning indicated by a Piotroski F-Score of 2/9
Poor short-term liquidity with a current ratio of 0.66 and quick ratio of 0.53
Bearish insider activity with multiple sales from C-suite executives
Recent earnings trend showing only 1 beat in the last 4 quarters
Weak technical trend score (10/100) suggesting bearish momentum
AI Fair Value Estimate
Based on comprehensive analysis
$156.5
+2.9% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
52
Moderate
85
55
70
20
30
AI Verdict
Value Trap Risk
Key drivers: Low P/E ratio, Critical Piotroski F-Score, Insider selling, Liquidity ratios < 1.0
Confidence
90%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 10.52 is highly attractive
- Price is below Graham Number of $159.37
Watchpoints
- Intrinsic value formula may be overly optimistic given health scores
Future
55/100
Ref Growth rates
Positives
- Steady YoY earnings growth of 12.60%
Watchpoints
- Recent quarterly earnings misses
- Low revenue growth (5.40%)
Past
70/100
Ref Historical trends
Positives
- Strong 5-year price change of +55.1%
- Consistent historical earnings progression
Watchpoints
- Recent deceleration in earnings surprises
Health
20/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Low Debt/Equity ratio
Watchpoints
- Piotroski F-Score of 2/9 is critically weak
- Current ratio (0.66) indicates potential liquidity issues
Dividend
30/100
Ref Yield, Payout
Positives
- Extremely low payout ratio
Watchpoints
- Very low dividend yield (0.87%)
- Low overall dividend strength score (25/100)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$152.07
Analyst Target
$172.91
Upside/Downside
+13.7%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for GL and closest competitors.
Updated 2026-04-27
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
GL
Globe Life Inc.
Primary
|
+55.1% | +43.8% | +24.1% | +13.1% | +12.8% | +0.6% |
|
BMNR
Bitmine Immersion Technologies, Inc.
Peer
|
+185.8% | +185.8% | +185.8% | -56.1% | +4.2% | -3.5% |
|
CRBG
Corebridge Financial, Inc.
Peer
|
+62.0% | +99.7% | -7.9% | -17.0% | +8.7% | -1.8% |
|
ACGLO
Arch Capital Group Ltd.
Peer
|
+2.5% | +11.6% | +0.7% | -5.5% | -3.4% | -1.5% |
|
AIZ
Assurant, Inc.
Peer
|
+91.8% | +90.7% | +14.3% | +26.2% | -3.5% | -0.3% |
GL
Globe Life Inc.
Primary
5Y
+55.1%
3Y
+43.8%
1Y
+24.1%
6M
+13.1%
1M
+12.8%
1W
+0.6%
BMN
Bitmine Immersion Technologies, Inc.
Peer
5Y
+185.8%
3Y
+185.8%
1Y
+185.8%
6M
-56.1%
1M
+4.2%
1W
-3.5%
CRB
Corebridge Financial, Inc.
Peer
5Y
+62.0%
3Y
+99.7%
1Y
-7.9%
6M
-17.0%
1M
+8.7%
1W
-1.8%
ACG
Arch Capital Group Ltd.
Peer
5Y
+2.5%
3Y
+11.6%
1Y
+0.7%
6M
-5.5%
1M
-3.4%
1W
-1.5%
AIZ
Assurant, Inc.
Peer
5Y
+91.8%
3Y
+90.7%
1Y
+14.3%
6M
+26.2%
1M
-3.5%
1W
-0.3%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
10.52
Forward P/E
9.16
PEG Ratio
1.3
P/B Ratio
1.95
P/S Ratio
1.96
EV/Revenue
2.33
EV/EBITDA
8.64
Market Cap
$11.93B
Profitability
Profit margins and return metrics
Profit Margin
19.38%
Operating Margin
23.6%
Gross Margin
33.73%
ROE
20.46%
ROA
3.32%
Growth
Revenue and earnings growth rates
Revenue Growth
+5.4%
Earnings Growth
+12.6%
Q/Q Revenue Growth
+3.64%
Q/Q Earnings Growth
+6.3%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.46
Low debt
Current Ratio
0.66
Weak
Quick Ratio
0.53
Poor
Cash/Share
$5.64
Quarterly Earnings History
EPS performance vs analyst estimates
2026-07-22
$N/A
2026-04-22
$3.43
-1.4% surprise
2026-02-04
$3.39
-1.3% surprise
2025-10-22
$4.81
+5.9% surprise
Financial Services Sector Comparison
Comparing GL against 810 companies in the Financial Services sector
(141 bullish, 345 neutral, 324 bearish)
P/E Ratio
10.52
This Stock
vs
36.39
Sector Avg
-71.1%
(Discount)
Return on Equity (ROE)
20.46%
This Stock
vs
-0.84%
Sector Avg
-2539.6%
(Below Avg)
Profit Margin
19.38%
This Stock
vs
91.26%
Sector Avg
-78.8%
(Weaker)
Debt to Equity
0.46
This Stock
vs
1.36
Sector Avg
-66.5%
(Less Debt)
Revenue Growth
5.4%
This Stock
vs
35.54%
Sector Avg
-84.8%
(Slower)
Current Ratio
0.66
This Stock
vs
3.2
Sector Avg
-79.3%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
GL
Globe Life Inc.
|
NEUTRAL | $11.93B | 10.52 | 20.5% | 19.4% | $152.07 | |
|
BMNR
Bitmine Immersion...
|
BEARISH | $11.9B | - | -175.9% | -% | $22.14 | Compare |
|
CRBG
Corebridge Financial, Inc.
|
BEARISH | $12.0B | - | -3.0% | -2.0% | $26.28 | Compare |
|
ACGLO
Arch Capital Group Ltd.
|
NEUTRAL | $11.78B | 4.31 | 19.5% | 22.1% | $20.2 | Compare |
|
AIZ
Assurant, Inc.
|
NEUTRAL | $11.78B | 14.47 | 15.4% | 6.8% | $233.39 | Compare |
GL
Globe Life Inc.
NEUTRAL
Mkt Cap
$11.9B
P/E
10.5
ROE
20.5%
Price
$152.07
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-31 | ZORN REBECCA E | Officer | Sale | 8,800 | $1,202,189 |
| 2026-03-31 | ZORN REBECCA E | Officer | Option Exercise | 8,800 | $865,216 |
| 2026-03-20 | PHILLIPS SANDRA L. | Director | Stock Award | 1,174 | - |
| 2026-03-11 | SVOBODA FRANK M | Chief Executive Officer | Gift | 5,000 | - |
| 2026-03-04 | DARDEN JAMES MATTHEW | Chief Executive Officer | Sale | 18,318 | $2,657,995 |
| 2026-03-04 | DARDEN JAMES MATTHEW | Chief Executive Officer | Option Exercise | 18,318 | $1,845,355 |
| 2026-03-02 | HENSLEY ROBERT EDWARD | Chief Investment Officer | Sale | 2,569 | $372,620 |
| 2026-03-02 | MITCHELL ROBERT BRIAN | General Counsel | Gift | 6,497 | - |
| 2026-03-02 | DARDEN JAMES MATTHEW | Chief Executive Officer | Gift | 7,358 | - |
| 2026-02-27 | ZORN REBECCA E | Officer | Stock Award | 7,463 | - |
| 2026-02-27 | KALMBACH THOMAS PETER | Chief Financial Officer | Stock Award | 11,500 | - |
| 2026-02-27 | HAWORTH JENNIFER ALLISON | Officer | Stock Award | 7,822 | - |
| 2026-02-27 | HAWORTH JENNIFER ALLISON | Officer | Sale | 10,500 | $1,525,495 |
| 2026-02-27 | HAWORTH JENNIFER ALLISON | Officer | Option Exercise | 10,500 | $866,880 |
| 2026-02-27 | HENSLEY ROBERT EDWARD | Chief Investment Officer | Stock Award | 9,708 | - |
ZORN REBECCA E
Officer
2026-03-31
8,800 shares
·
$1,202,189
ZORN REBECCA E
Officer
2026-03-31
8,800 shares
·
$865,216
PHILLIPS SANDRA L.
Director
2026-03-20
1,174 shares
SVOBODA FRANK M
Chief Executive Officer
2026-03-11
5,000 shares
DARDEN JAMES MATTHEW
Chief Executive Officer
2026-03-04
18,318 shares
·
$2,657,995
DARDEN JAMES MATTHEW
Chief Executive Officer
2026-03-04
18,318 shares
·
$1,845,355
HENSLEY ROBERT EDWARD
Chief Investment Officer
2026-03-02
2,569 shares
·
$372,620
MITCHELL ROBERT BRIAN
General Counsel
2026-03-02
6,497 shares
DARDEN JAMES MATTHEW
Chief Executive Officer
2026-03-02
7,358 shares
ZORN REBECCA E
Officer
2026-02-27
7,463 shares
KALMBACH THOMAS PETER
Chief Financial Officer
2026-02-27
11,500 shares
HAWORTH JENNIFER ALLISON
Officer
2026-02-27
7,822 shares
HAWORTH JENNIFER ALLISON
Officer
2026-02-27
10,500 shares
·
$1,525,495
HAWORTH JENNIFER ALLISON
Officer
2026-02-27
10,500 shares
·
$866,880
HENSLEY ROBERT EDWARD
Chief Investment Officer
2026-02-27
9,708 shares
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
8-K
DEF 14A
8-K
10-K
8-K
8-K
10-Q
8-K
10-Q
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
11 analysts
Truist Securities
2026-04-24
Buy
Buy
Wells Fargo
2026-04-10
Overweight
Overweight
Wells Fargo
2026-02-25
Overweight
Overweight
Evercore ISI Group
2026-02-18
In-Line
In-Line
Truist Securities
2026-02-06
Buy
Buy
JP Morgan
2026-02-05
Overweight
Overweight
TD Cowen
2025-12-11
Buy
Buy
Morgan Stanley
2025-11-17
Overweight
Overweight
Past News Coverage
Recent headlines mentioning GL from our newsroom.
Newest → oldest
No matching news yet.