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GL
Globe Life Inc.
Summary
Business
Earnings Call
Valuation
Profitability
Financial Health
Intel
Yearly Return 10Y annualized return is positive but below market average at 7.7% per year
Earnings Expectations GL has met or exceeded earnings expectations in the majority of recent quarters (8/10)
Positive Attractive P/E Ratio
Positive Low Price-to-Sales Ratio
Negative Moderate EV/EBITDA
Negative Net Profit Margin

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Overall, Globe Life demonstrates a solid business model supported by consistent premium growth and strong agent recruitment. However, challenges in specific segments and regulatory uncertainties present risks to future performance. The company appears well-positioned for growth in 2025, but ongoing monitoring of market conditions and operational efficiencies will be crucial.

Analysis Date: February 6, 2025
Last Updated: May 29, 2025

+109%
+7.7% per year

Past performance does not guarantee future results. The data presented is indicative and may not be updated in real-time.

Country US
Exchange NYSE
Industry Insurance - Life
Sector Financial Services
Market Cap $9.33B
CEO Mr. Frank Martin Svoboda

Globe Life Inc. is a company that helps people protect their families' finances by offering life insurance and health insurance products. They provide different types of life insurance that pay money to your loved ones if you pass away, and they also offer health insurance for things like accidents and serious illnesses. Additionally, Globe Life sells annuities, which are a way to save money for the future. Basically, their goal is to help middle-income families feel secure about unexpected events.

Streams of revenue

Life Segment: 70%
Health Segment: 30%

Geographic Distribution

United States: 100%

Estimations for reference only

Core Products

🛡️
Life Insurance Life coverage plans
🏥
Health Insurance Health coverage
🚑
Accident Insurance Accident protection

Business Type

B2C Business to Consumer

Competitive Advantages

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Key Business Risks

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Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.

Graham Value Metrics

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ROE: 20.800924780729915

ROA: None

Gross Profit Margin: 95.29854621775958

Net Profit Margin: 18.33373899701452

Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.

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Profitability metrics measure a company's ability to generate earnings relative to its revenue, operating costs, and other relevant metrics. Higher values generally indicate better performance.

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About Financial Health Metrics

Financial health metrics assess a company's ability to meet its financial obligations and its overall financial stability.

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Meeting Expectations

8 /10

Higher values indicate better execution and credibility

Recent Results

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EPS

3.24
Estimated
3.07
Actual
-5.25%
Difference

Revenue

$1486524500
Estimated
$1480422000
Actual
-0.41%
Difference
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Insider trading data shows purchase and sale activities by company executives and board members.

Insider Sentiment Analysis

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GL Stock Analysis: Globe Life Inc. Investment Guide

GL (Globe Life Inc.) is a Financial Services company listed on New York Stock Exchange. The stock has generated 7.7% annual returns with an overall investment score of None/100.

Overall, Globe Life demonstrates a solid business model supported by consistent premium growth and strong agent recruitment. However, challenges in specific segments and regulatory uncertainties present risks to future performance. The company appears well-positioned for growth in 2025, but ongoing monitoring of market conditions and operational efficiencies will be crucial.

GL Key Financial Metrics

GL financial analysis includes comprehensive valuation ratios, profitability metrics, and financial health indicators. The company has a valuation score of 8.75/100 with financial health rated 4.0/100.

About Globe Life Inc.

Globe Life Inc. is a company that helps people protect their families' finances by offering life insurance and health insurance products. They provide different types of life insurance that pay money to your loved ones if you pass away, and they also offer health insurance for things like accidents and serious illnesses. Additionally, Globe Life sells annuities, which are a way to save money for the future. Basically, their goal is to help middle-income families feel secure about unexpected events.

GL Investment Recommendation

Based on our comprehensive analysis of GL, investors should consider the company's positive performance track record, earnings consistency (8/10 quarters beat expectations), and current valuation metrics when making investment decisions.

Financial Services Sector Analysis

GL operates in the Insurance - Life industry within the Financial Services sector. This analysis compares Globe Life Inc. performance against industry and sector benchmarks to provide context for investment decisions.

Frequently Asked Questions about GL Stock

Is GL a good investment?

GL (Globe Life Inc.) has generated 7.7% annual returns with an overall score of None/100. Overall, Globe Life demonstrates a solid business model supported by consistent premium growth and strong agent recruitment. However, challenges in specific segments and regulatory uncertainties present risks to future performance. … Investors should consider their risk tolerance and investment goals when evaluating GL.

What is GL P/E ratio and valuation?

GL valuation metrics including P/E ratio, price-to-book ratio, and price-to-sales ratio are analyzed on this page with comparisons to Insurance - Life industry and Financial Services sector benchmarks. The company currently has a valuation score of 8.75/100.

Should I buy GL stock now?

The decision to buy GL stock should be based on comprehensive analysis of financial metrics, market conditions, and individual investment goals. Our analysis provides , financial health score of 4.0/100, and detailed performance metrics to help inform your investment decision.

What are GL financial health indicators?

GL financial health analysis includes liquidity ratios, debt levels, cash flow metrics, and profitability indicators. The company has a financial health score of 4.0/100 based on comprehensive analysis of balance sheet strength and operational efficiency.

How does GL compare to competitors?

GL performance is benchmarked against Insurance - Life industry peers and Financial Services sector averages. Our analysis includes comparative valuation ratios, profitability metrics, and growth indicators to provide context for Globe Life Inc.'s market position.

What are GL historical returns?

GL has generated 7.7% annual returns over the 10Y. Historical performance analysis includes price appreciation, dividend yields, and total shareholder returns compared to market benchmarks.

GL Key Investment Metrics Summary

  • Annual Return: 7.7%
  • Valuation Score: 8.75/100
  • Financial Health Score: 4.0/100
  • Growth Score: -49.20837154570088/100
  • Earnings Beat Rate: 8/10 quarters
  • Sector: Financial Services
  • Industry: Insurance - Life
  • Exchange: New York Stock Exchange
  • Market Cap: 9334695120

GL Investment Thesis

Globe Life Inc. (GL) represents a moderate investment opportunity in the Financial Services sector. With an overall score of None/100, the company demonstrates areas for financial improvement.

Investment Strengths

  • Attractive P/E Ratio
  • Low Price-to-Sales Ratio
  • Strong Gross Profit Margin
  • High Return on Equity
  • Excellent Liquidity Ratios
  • Low Debt Levels
  • Strong Premium Revenue Growth
  • Consistent Underwriting Margins
  • Agent Count Growth
  • Positive Growth Forecast
  • Strong Cash Flow Projections
  • Innovative Use of Technology in Sales

Investment Risks

  • Moderate EV/EBITDA
  • Net Profit Margin
  • Cash Ratio
  • Challenges in Direct-to-Consumer Channel
  • Higher Claim Costs in Health Insurance
  • Regulatory Uncertainty
  • Increased Competition
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